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Floridians are in for sticker shock when they see their annual property insurance premium. Some might think the rate hikes are caused by recent hurricanes, but a little-known phenomenon called Assignment of Benefits (AOB) abuse is one of the main drivers causing the increase. An AOB transfers the rights to an insurance claim to a third party, such as a contractor. It gives third parties authority to file claims, make repair decisions and collect insurance payments on behalf of, and sometimes without the knowledge of, the homeowner.