The history
AOBs proliferated in Florida water-mitigation and roofing after 2010. Vendors would get a post-loss AOB signed, then litigate against the carrier directly.
The 2022 reform
Fla. Stat. 627.7152 (enacted 2019, tightened 2022) requires specific language, notice periods, and restricts one-way fee shifting. HB 837 in 2023 eliminated most fee-shifting for AOB claims.
What this means today
Most Florida contractors no longer operate on AOB. You pay the contractor and get reimbursed by the carrier: or the contractor takes a Direction to Pay rather than an assignment.