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In Florida, insurance policies often contain a “right to repair” provision. This clause, also knowns as the “option to repair,” gives insurance companies considerable power when it comes to making decisions about repairs to your home.

You pay for property insurance in case an emergency happens and you need your home repaired. But things don’t always work out that way. Most people expect that when a storm or hurricane causes damage to their property, their insurance company will pay the claim and they won’t have to pay for the repairs out of pocket. After all, that’s why we have insurance in the first place.

An Assignment of Benefit Agreement is a contract that allows property owners to transfer insurance claim rights or policy benefits to a third party, such as a contractor or repairman. This is often done after an emergency so that repairs can be made to your home quickly.

If you are new to Florida or unsure what steps to take, the state of Florida has a variety of resources available online to help you with your evacuation plan. Remember, having a serious evacuation plan in place is the best way to protect your family and your property in the event that a hurricane arrives.

As a Florida resident, being prepared for hurricanes comes with the territory. In Florida, the hurricane season officially starts on June 30th and lasts until November 30th.