THURSDAY, SEPTEMBER 14, 2017
Many insurance companies have reporting deadlines, so it is important to act quickly. Take steps to make temporary repairs that prevent further damage, but remain in contact with your insurance company regarding any outside vendors that are brought in to make repairs. If you need help locating contact information for your insurance company, click here to access the Office of Insurance Regulation’s (Office) directory. Helpline experts working the Insurance Consumer Helpline at 1-877-693-5236 can also help Floridians locate their insurance company’s contact information.
While making temporary repairs, obtain the licensing or training credentials of all third-party vendors before signing any work agreements. Beware of fly-by-night repair companies and hire only licensed and reputable vendors. Use the Department of Business and Professional Regulation’s Contractor License lookup to make sure all contractors are properly licensed and bonded. Access DBPR’s licensee search here.
Fully review all documentation you are asked to sign and ask questions to make sure you understand the agreements you are signing. Ask specifically who is responsible for paying the vendor, you as the consumer, or your insurance company. For more information about how an assignment of benefits (AOB) for repairs works, visit the DFS “AOB” or Office's “AOB Resources” webpages.
If considering the assistance of a public insurance adjuster, ask for identification to verify that the adjuster is licensed. Visit CFO Patronis’ Hurricane Irma Insurance Resources website to verify the license of any Florida insurance agent or adjuster.
CFO Patronis’ Insurance Consumer Helpline (1-877-693-5236) is available from 8:00am EST to 5:00pm EST to answer all insurance-related questions for Floridians and businesses.
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