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What are Assignments of Benefits and How Do They Affect Homeowners?

What are Assignments of Benefits and How Do They Affect Homeowners?

How does Assignment of Benefits affect homeowners?  And what are the advantages to using one?

What are Assignment of Benefits

According to the Florida Department of Financial Services,

“an assignment of benefits, often referred to as an “AOB” is a legal tool that allows a third party to be paid for services performed for an insured homeowner who would normally be reimbursed by the insurance company directly after making a claim.”  

Here is how AOB works and how they affect the homeowner

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How Can I Prevent My Pipes from Freezing and What Should I Do if They Do Freeze?

How Can I Prevent My Pipes from Freezing and What Should I Do if They Do Freeze?

We don’t get as much cold weather as they do in other parts of the country.  Most of us who live here in Florida live here because we like the warm weather.

We joke about palm trees and wearing shorts and flip flops in December, spending the holidays on the beach and having only one day of Winter.  We tease our friends and family in colder climates about our warm weather.

Also, because we are accustomed to the warmer weather, we tend not to spend as much time preparing our homes for Winter as those in colder, more northern climates are accustomed to spending.

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Should I Repair or Replace My Roof?

Should I Repair or Replace My Roof?

The short answer is you should replace your roof. Yes, it can be argued whether to repair or replace a roof depends on the extent of the damage. Some insurance companies even say that if most of your roof is still in good shape, you may be able to repair the damaged spot.

The reality is that if your roof has been compromised as a result of windstorm or hail event then you’re only placing a Band-Aid on the problem and will likely have additional roof issues in the near future. Additionally, when there are signs the roof is wearing out, or if it is close to the end of its expected lifespan, you are always better off replacing it.

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