{"id":4719,"date":"2017-03-31T08:47:34","date_gmt":"2017-03-31T08:47:34","guid":{"rendered":"https:\/\/469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io\/?p=4719"},"modified":"2017-03-31T08:47:34","modified_gmt":"2017-03-31T08:47:34","slug":"beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost","status":"publish","type":"post","link":"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/","title":{"rendered":"Beware of the AOB\u2026..Assignment of Benefits\u2026.Avoid this at all cost."},"content":{"rendered":"<h5><span class=\"ez-toc-section\" id=\"%E2%80%9CWhat_is_an_Assignment_of_Benefits%E2%80%9D\"><\/span>\u201cWhat is an Assignment of Benefits?\u201d<span class=\"ez-toc-section-end\"><\/span><\/h5><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#%E2%80%9CWhat_is_an_Assignment_of_Benefits%E2%80%9D\" >\u201cWhat is an Assignment of Benefits?\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#Whats_in_it_for_the_contractor\" >What\u2019s in it for the contractor?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#What_are_the_potential_pitfalls_in_signing_an_AOB\" >What are the potential pitfalls in signing an AOB?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#Whats_in_it_for_the_contractor-2\" >What\u2019s in it for the contractor?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#Possible_Litigation\" >Possible Litigation:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#What_should_you_do_if_you_have_a_claim%E2%80%9D\" >What should you do if you have a claim?\u201d<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>\u201cAn Assignment of Benefits (AOB) is a contract between you and a contractor (such as a plumber, water remediation firm, roofer, etc.) where you give the contractor control of your claims benefits. They file a claim for their services and direct the insurance company to pay them directly.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"Whats_in_it_for_the_contractor\"><\/span>What\u2019s in it for the contractor?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Once you sign an AOB, you lose control of the direction of your claim. The contractor takes control, and can submit whatever they like to your insurance company, sometimes billing the company two, three, four, five times the going market rate for their services, and sometimes including work that was never performed. You don\u2019t see this, and you can\u2019t verify what they did.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"What_are_the_potential_pitfalls_in_signing_an_AOB\"><\/span>What are the potential pitfalls in signing an AOB?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<ul>\n<li>You have committed to this contractor, and you have little to no recourse if you\u2019re not satisfied with their work.<\/li>\n<li>You can no longer comparison shop if you are not satisfied with their work. Even if they walk off the job with their work incomplete, they can still claim compensation from the insurance company which gets deducted from your benefits.<\/li>\n<li>Both you, and the contractor, are still bound by the terms and conditions of the policy, and if the contractor violates those terms and conditions, those actions could potentially jeopardize coverage for your entire loss.<\/li>\n<\/ul>\n<h5><span class=\"ez-toc-section\" id=\"Whats_in_it_for_the_contractor-2\"><\/span>What\u2019s in it for the contractor?<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>This is where the age old mantra of \u201cif it seems too good to be true, it probably is,\u201d comes into play.  Has the contractor done any of the following?<\/p>\n<ul>\n<li>Solicits a job from you unannounced for damages you didn\u2019t even know were allegedly present?<\/li>\n<li>The contractor is offering you something for nothing, such as a free roof or kitchen.<\/li>\n<li>Wants to start work immediately and advises you to delay contacting your insurance company?<\/li>\n<li>Offered to \u201ctake care of\u201d your deductible.<\/li>\n<li>Any of these issues could potentially lead to a fraud investigation which could jeopardize your coverage.<\/li>\n<\/ul>\n<h5><span class=\"ez-toc-section\" id=\"Possible_Litigation\"><\/span>Possible Litigation:<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>As mentioned above, there is no standard for what the contractor can submit to the insurance company, and if the company questions the scope and\/or the pricing submitted by the contractor the company can be sued directly by the contractor.  And while you may not be a party to this lawsuit, more likely than not you will end up being a witness.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"What_should_you_do_if_you_have_a_claim%E2%80%9D\"><\/span>What should you do if you have a claim?\u201d<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Contact your insurance agent to report the claim.  He can guide you through the process.  Some insurance carriers will have contractors that they have vetted and will recommend.<\/p>\n<p><strong>This article is compliments of Federated National and SWFL Insurance Agency.<\/p>\n<p>Questions or need a Homeowners or Property coverage quote, call <a href=\"tel:2392659577\">239-265-9577<\/a> or email <a href=\"mailto:joshw@swflagency.com\">joshw@swflagency.com<\/a>.  We are Your Insurance Answer People in SWFL.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cWhat is an Assignment of Benefits?\u201d \u201cAn Assignment of Benefits (AOB) is a contract between you and a contractor (such as a plumber, water remediation firm, roofer, etc.) where you give the contractor control of your claims benefits. They file a claim for their services and direct the insurance company to pay them directly. What\u2019s in it for the contractor? Once you sign an AOB, you lose control of the direction of your claim. The contractor takes control, and can submit whatever they like to your insurance company, sometimes billing the company two, three, four, five times the going market rate for their services, and sometimes including work that was never performed. You don\u2019t see this, and you can\u2019t verify what they did. What are the potential pitfalls in signing an AOB? You have committed to this contractor, and you have little to no recourse if you\u2019re not satisfied with their work. You can no longer comparison shop if you are not satisfied with their work. Even if they walk off the job with their work incomplete, they can still claim compensation from the insurance company which gets deducted from your benefits. Both you, and the contractor, are still bound by the terms and conditions of the policy, and if the contractor violates those terms and conditions, those actions could potentially jeopardize coverage for your entire loss. What\u2019s in it for the contractor? This is where the age old mantra of \u201cif it seems too good to be true, it probably is,\u201d comes into play. Has the contractor done any of the following? Solicits a job from you unannounced for damages you didn\u2019t even know were allegedly present? The contractor is offering you something for nothing, such as a free roof or kitchen. Wants to start work immediately and advises you to delay contacting your insurance company? Offered to \u201ctake care of\u201d your deductible. Any of these issues could potentially lead to a fraud investigation which could jeopardize your coverage. Possible Litigation: As mentioned above, there is no standard for what the contractor can submit to the insurance company, and if the company questions the scope and\/or the pricing submitted by the contractor the company can be sued directly by the contractor. And while you may not be a party to this lawsuit, more likely than not you will end up being a witness. What should you do if you have a claim?\u201d Contact your insurance agent to report the claim. He can guide you through the process. Some insurance carriers will have contractors that they have vetted and will recommend. This article is compliments of Federated National and SWFL Insurance Agency. Questions or need a Homeowners or Property coverage quote, call 239-265-9577 or email joshw@swflagency.com. We are Your Insurance Answer People in SWFL.<\/p>\n","protected":false},"author":2,"featured_media":4721,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"What is an Assignment of Benefits? An Assignment of Benefits (AOB) is a contract between you and a contractor (such as a plumber, water remediation )","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_metasync_otto_title":"","_metasync_otto_description":"","rank_math_title":"","rank_math_description":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-4719","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-swfl-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Beware of the AOB\u2026..Assignment of Benefits\u2026.Avoid this at all cost. - SWFL Insurance<\/title>\n<meta name=\"description\" content=\"What is an Assignment of Benefits? An Assignment of Benefits (AOB) is a contract between you and a contractor (such as a plumber, water remediation )\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Beware of the AOB\u2026..Assignment of Benefits\u2026.Avoid this at all cost. - SWFL Insurance\" \/>\n<meta property=\"og:description\" content=\"What is an Assignment of Benefits? An Assignment of Benefits (AOB) is a contract between you and a contractor (such as a plumber, water remediation )\" \/>\n<meta property=\"og:url\" content=\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/\" \/>\n<meta property=\"og:site_name\" content=\"SWFL Insurance\" \/>\n<meta property=\"article:published_time\" content=\"2017-03-31T08:47:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2017\/03\/Benefit-img.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"450\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"SWFL Insurance\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"SWFL Insurance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/\",\"url\":\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/\",\"name\":\"Beware of the AOB\u2026..Assignment of Benefits\u2026.Avoid this at all cost. - SWFL Insurance\",\"isPartOf\":{\"@id\":\"https:\/\/swflinsurance.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2017\/03\/Benefit-img.jpg\",\"datePublished\":\"2017-03-31T08:47:34+00:00\",\"author\":{\"@id\":\"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b\"},\"description\":\"What is an Assignment of Benefits? An Assignment of Benefits (AOB) is a contract between you and a contractor (such as a plumber, water remediation )\",\"breadcrumb\":{\"@id\":\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#primaryimage\",\"url\":\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2017\/03\/Benefit-img.jpg\",\"contentUrl\":\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2017\/03\/Benefit-img.jpg\",\"width\":450,\"height\":250},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/swflinsurance.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Beware of the AOB\u2026..Assignment of Benefits\u2026.Avoid this at all cost.\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/swflinsurance.com\/#website\",\"url\":\"https:\/\/swflinsurance.com\/\",\"name\":\"SWFL Insurance\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/swflinsurance.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b\",\"name\":\"SWFL Insurance\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/swflinsurance.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g\",\"caption\":\"SWFL Insurance\"},\"url\":\"https:\/\/swflinsurance.com\/author\/designer1mandmmultimedia-com\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Beware of the AOB\u2026..Assignment of Benefits\u2026.Avoid this at all cost. - SWFL Insurance","description":"What is an Assignment of Benefits? An Assignment of Benefits (AOB) is a contract between you and a contractor (such as a plumber, water remediation )","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/","og_locale":"en_US","og_type":"article","og_title":"Beware of the AOB\u2026..Assignment of Benefits\u2026.Avoid this at all cost. - SWFL Insurance","og_description":"What is an Assignment of Benefits? An Assignment of Benefits (AOB) is a contract between you and a contractor (such as a plumber, water remediation )","og_url":"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/","og_site_name":"SWFL Insurance","article_published_time":"2017-03-31T08:47:34+00:00","og_image":[{"width":450,"height":250,"url":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2017\/03\/Benefit-img.jpg","type":"image\/jpeg"}],"author":"SWFL Insurance","twitter_card":"summary_large_image","twitter_misc":{"Written by":"SWFL Insurance","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/","url":"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/","name":"Beware of the AOB\u2026..Assignment of Benefits\u2026.Avoid this at all cost. - SWFL Insurance","isPartOf":{"@id":"https:\/\/swflinsurance.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#primaryimage"},"image":{"@id":"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#primaryimage"},"thumbnailUrl":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2017\/03\/Benefit-img.jpg","datePublished":"2017-03-31T08:47:34+00:00","author":{"@id":"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b"},"description":"What is an Assignment of Benefits? An Assignment of Benefits (AOB) is a contract between you and a contractor (such as a plumber, water remediation )","breadcrumb":{"@id":"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#primaryimage","url":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2017\/03\/Benefit-img.jpg","contentUrl":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2017\/03\/Benefit-img.jpg","width":450,"height":250},{"@type":"BreadcrumbList","@id":"https:\/\/swflinsurance.com\/beware-of-the-aob-assignment-of-benefits-avoid-this-at-all-cost\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/swflinsurance.com\/"},{"@type":"ListItem","position":2,"name":"Beware of the AOB\u2026..Assignment of Benefits\u2026.Avoid this at all cost."}]},{"@type":"WebSite","@id":"https:\/\/swflinsurance.com\/#website","url":"https:\/\/swflinsurance.com\/","name":"SWFL Insurance","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/swflinsurance.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b","name":"SWFL Insurance","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/swflinsurance.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g","caption":"SWFL Insurance"},"url":"https:\/\/swflinsurance.com\/author\/designer1mandmmultimedia-com\/"}]}},"_links":{"self":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/posts\/4719","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/comments?post=4719"}],"version-history":[{"count":0,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/posts\/4719\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/media\/4721"}],"wp:attachment":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/media?parent=4719"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/categories?post=4719"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/tags?post=4719"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}