When mold or water damage hits your home, restoration companies often show up fast with paperwork in hand. One of the documents they want you to sign is called an Assignment of Benefits, or AOB. Before you put your name on anything, you should understand exactly what you're giving away.
An AOB transfers your insurance rights to a third party. Once signed, the company, not you, controls your claim. They communicate with your insurer directly, make decisions about repairs, and collect payment without your involvement. You lose the ability to negotiate, mediate, or have any meaningful say in how your claim is handled. And there is no cancellation provision. Once you sign, you are bound.
FixMold does not use AOBs. We work directly with you, from the initial assessment through the final invoice. Your policy stays in your hands, your decisions stay yours, and you're never left dealing with consequences you didn't agree to.
Call 786-882-1823. Honest work, direct communication, no fine print. $150 off remediation services.
FixMold focuses on eliminating mold from your environment.
But for some individuals, recovery doesn’t stop there.
Even after successful remediation, the body may continue responding to past exposure. In these cases, a structured, medically guided approach may be necessary to support full recovery.
In theory, it can simplify the claims process by letting a contractor handle communication with an insurer. In practice, particularly in Florida's property restoration market, the risks to homeowners have consistently outweighed the convenience. You give up control of your claim, your policy rights, and your ability to dispute decisions. FixMold's position is that those are not things worth trading away for paperwork convenience.
It is not required. No company can legally compel you to sign an AOB as a condition of service. If a company is pressuring you to sign before you've read the document or before work begins, that is a significant warning sign about how they intend to operate on your job.
Yes. All FixMold inspection and remediation reports are formatted for insurance and legal purposes, with laboratory documentation, photographic evidence, and written scope that meets the standards insurers and attorneys require. You retain full control of your claim while having professional documentation behind it.
Consult an attorney who handles insurance or property law in Florida before taking any further action. The AOB is a binding contract and your options depend on the specific language in the agreement and what has occurred since signing. FixMold can provide an independent assessment of conditions if needed for any dispute that follows.
Yes. We work alongside public adjusters representing homeowners throughout South Florida. Our documentation supports the public adjuster's claim work while we handle the environmental assessment and remediation side directly with the client.
