Florida: the AOB reform is the post-storm roofing playbook, in reverse
If a Florida homeowner has hail or wind damage and a roofer at the door offers to "handle everything with your insurance" if they sign one form, that form is almost always an assignment of benefits (AOB). Florida enacted Fla. Stat. §627.7152 and §627.7153 specifically because post-hurricane roofing AOB litigation flooded state courts through the mid-2010s. The 2019 statute set required form and rescission rules; the 2022 property-insurance overhaul (SB 2-A and SB 2-D) went further, largely eliminating the right to assign property insurance benefits on policies issued after that year.
Written by Kent Lansing, Founder & Editor·Last reviewed Verified 2026-09-08
What §627.7152 does (2019 framework)
The 2019 statute (as amended through 2022) applies to policies issued July 1, 2019 through December 31, 2022. Load-bearing provisions:
Written and executed by both parties. The AOB agreement must be in writing and signed by both the assignor (homeowner) and the assignee (contractor).
14-day rescission window. The homeowner may rescind within 14 days after execution of the agreement (or at least 30 days after work is scheduled to commence if the assignee has not substantially performed, or at least 30 days after execution if the agreement has no commencement date).
Itemized per-unit cost estimate and an indemnification clause protecting the homeowner.
Statutory disclosure notice in 18-point uppercase and boldfaced type warning about the rights being assigned.
3-business-day notice to insurer — the assignee must deliver the executed agreement to the insurer within three business days.
Unenforceability for defects. An AOB that fails these requirements is unenforceable; the assignee cannot collect from the insured, sue them, claim a lien, or report to credit agencies.
Attorney-fee provisions at §627.7153 modified the historical one-way fee-shifting statute for AOB-related litigation, reducing the litigation incentive.
What SB 2-A and SB 2-D changed after 2022
Critical current-law note. Florida's 2022 property-insurance overhaul (SB 2-A, December 2022; and earlier SB 2-D, May 2022) went substantially further than the 2019 statute. On residential property insurance policies issued on or after January 1, 2023, Florida law largely prohibits the assignment of post-loss benefits altogether. The 2019 statutory framework above applies only to policies issued within the 2019-2022 window; for policies written after that, an AOB is generally not available. Verify against the current statute text before relying on any specific provision — the property-insurance framework in Florida has been amended multiple times since 2019.
What this means for a Florida homeowner with a hail or wind roof loss
The practical rule is the same across all vintage-2019-onward policies, but the statutory backing is loudest in Florida:
Do not sign anything at the door. A licensed roofer will walk the property, write a written estimate, and hand it to you without any signature. That is the free, no-commitment path. If the person insisting on a signature is unwilling to leave the estimate without one, they are not the roofer you want. The whole post-2019 AOB reform exists because this exact pattern generated a decade of documented abuse.
If your policy was issued 2019 through 2022 and you have already signed an AOB, check whether the 14-day rescission window under §627.7152 is still open. Rescission during the window incurs no penalty.
If your policy was issued 2023 or later, an AOB is generally not enforceable at all — but the contractor may still ask you to sign one. Do not.
Run your roof claim through the roof claim calculator before you file. The AOB reform does not change the coverage answer or the deductible math; it changes who has the legal standing to sue your insurer over the payout. If your event is a covered peril and the numbers work, file directly with your carrier; you never need an AOB to file a claim.
The historical context: why Florida over-corrected
Between roughly 2011 and 2018, Florida saw an explosion of contractor-driven property insurance litigation, much of it centered on post-storm roof claims. Contractors would knock on doors after a storm, sign an AOB with the homeowner, inflate the scope of work, sue the insurer if the payout was contested, and collect the historical one-way attorney fees Florida law then provided. The volume of that litigation contributed materially to the pricing crisis in the Florida homeowners insurance market. The 2019 §627.7152 reform, the 2021 SB 76 changes, the 2022 SB 2-D and SB 2-A reforms, and subsequent bills all trace back to that pattern.
What the statutes do NOT do
They do not stop door-knocking contractors from offering AOBs. The practice is legal; the paper the homeowner is asked to sign must meet the statutory form requirements (2019-2022 policies) or is generally unenforceable (2023+ policies).
They do not change the underlying coverage answer. If your roof is old and the age-based payment schedule caps your payout at actual cash value, the AOB reform does not change that. If your percentage deductible is bigger than the estimate, the AOB reform does not change that.
They do not apply to non-property claims — the AOB reform is specific to property insurance under Chapter 627.
They do not bar nonrenewal or rate increases after a roof claim.
How Florida compares
Florida is the flagship AOB restriction state, and it got there because Florida had the abuse. Most other states have no state-specific AOB rule (see the rollup). The state rules hub maps the categories. Florida's AOB framework covers both roof and water claims — the water side of this same statute is documented on our Florida water insurance page.
Sources
Fla. Stat. §627.7152 (assignment agreements for property insurance claims). Official statute site: flsenate.gov/Laws/Statutes/2024/627.7152. Verified 2026-09-08.
Fla. Stat. §627.7153 (attorney-fee awards on assigned property insurance claims).
SB 2-A (2022) and SB 2-D (2022) — property-insurance overhaul that further restricted AOB availability on policies issued 2023 and later.
Florida Office of Insurance Regulation: floir.com.
Florida Department of Financial Services, Division of Consumer Services: complaint intake and post-storm scam alerts at myfloridacfo.com/division/consumers.
Educational information, not legal or insurance advice. Florida's property insurance framework has been amended multiple times since 2019 (SB 76, SB 2-A, SB 2-D, and subsequent bills). Verify the current text of §627.7152 and §627.7153 at the official source before relying on specific provisions in a dispute.