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Homeowner’s Academy
This is your guide to interesting facts, tips and general homeowner information. We hope you find the information useful – and feel free to share with friends!

How Assignment of Benefits Scams Work

Spring cleaning often comes with a fresh coat of paint. Painting can be a great way to change the feel of a room or give your home some great curb appeal. Painting also plays a role in home repair by protecting the wood of your home against the elements, essential here in Florida.

If you decide to try your hand at painting this spring, People’s Trust has some tips that can keep the experience enjoyable and safe for everyone in your family.

Try Some Eco-friendly Paint

Spring conjures up the sniffles for many people in the great outdoors, but paint may do the same thing inside of your home. Household paints have previously contained up to 300 toxic chemicals, including the hazardous volatile organic compounds (VOCs) that release particles into the air for years after you paint.

Try a low-VOC paint, which tends to be water-based, for any home interior painting. These have taken off in recent years and come in every shade and finish imaginable. Some brands also create no-VOC paints by replacing chemicals with more natural ingredients. These no-VOC paints are often pet-safe, but always check the label and never leave your pet unattended in a room where paint cans are open.

Home Repair Supervision

If you have children, never let them be in a room with open paint cans by themselves. If children are under the age of 10, they should never be in a room with any open painting materials. Even eco-friendly paints are extremely dangerous if ingested. If you believe your child has ingested any paint, immediately call poison control at 1-800-222-1222.

Try Cloth Catchers for Indoor and Outdoor Painting

You can pick up plastic sheets to protect your floors and lawn, but these often move and tear as you walk around painting. Turn to cloth or canvas drop cloths that will stay in place easier and can be weighed down with objects without the risk of tearing.

For painting the outside of your home, try a tarp with tie-holes. These can be staked into the ground to provide a steadier surface for a ladder.

Ventilate: Make Room to Breathe

If you’re painting inside, open the doors and windows. If your room has a fan, turn it on. You want proper ventilation for any space you’re painting to help air out the room and not breathe in paint fumes. If you can’t ventilate where you’re working, get a respirator and only paint in short stints.

Ventilation is essential to most common home repair improvements.

Stick to the Shade

If painting outside, you know that you need to take a break in the shade, but what about your materials? Paint, paint thinner and lacquer all need to stay in the shade as much as possible when painting outdoors.

Not only can heat and sun alter some of these items when they’re sitting in the can, but heat can also be a big problem for these flammable items. The city of Las Vegas actually warns its citizens to be careful when painting their homes or canvases outside because paint thinner has been ignited by the sun and started home fires.

Clean Up after Home Repairs

When you finish painting for the day, clean up the entire space. This will prevent spills and any accidental exposure.

Latex paints can typically be cleaned from surfaces and your skin with soap and water. Oil-based paints will have specific cleaning instructions located on the paint can itself. Take a look at your can before you start painting and write down what it says, because paint often spills on the outside of the can during the painting process.

Gasoline was once used to clean paint off of brushes, but this should never be used. Gasoline is extremely dangerous and should never be used as a cleaner for any object.

It’s always a smart practice to clean up and watch your space clearly when doing any home repair project.

 

When a home is damaged, the owner calls a repair contractor – for example, a roofer or plumber. The contractor gets the homeowner to sign a broadly worded Assignment of Benefits, or AOB, form, which lets the contractor get paid directly by the insurance company. The problem is, some underhanded contractors inflate the value of their repair job. When the insurance company refuses to pay the bogus amount, the contractor teams up with a lawyer and sues the insurance company.

What Does This Mean for Homeowners?

Everyone who has a Florida homeowners insurance policy pays the price for Assignment of Benefits abuse – including you. For one thing, if you’re a victim of an Assignment of Benefits scam, a lawsuit could be going on regarding your insurance policy – and you may not know anything about it! On top of that, the insurance company has to pay to defend itself … and that drives up the cost of everyone’s insurance.

Assignment of Benefits Prevention Resources

Good news: Assignment of Benefits abuse is preventable. Review the following resources to protect yourself.

Home in Need of a Repair? Beware of Scary Contractors

While most home restoration contractors are reliable, Florida has witnessed a frightening increase in cases related to the scary concept of Assignment of Benefits abuse in recent years.

7 Ways to Avoid Getting Caught in a Home Repair Insurance Scam

Assignment of Benefits abuse is preventable. Here are some simple steps you can take to avoid getting caught in the middle of a home repair insurance scam.

The Consumer Protection Coalition has created the following guide to help educate Florida homeowners on Assignment of Benefits fraud and abuse, including:

  • What is Assignment of Benefits abuse?
  • What are the risks of signing an AOB?
  • How can I avoid being an AOB scam victim?

Download

Policyholders: In the Event of a Loss… Call People’s Trust First.

Your People’s Trust Insurance policy makes it easy for you to stop these cheats and do your part to keep everyone’s rates down (including your own). If disaster strikes, Call People’s Trust First at 561-609-1002, and we’ll handle everything from there. No tricks, no schemes.

You get our seamless, hassle-free recovery process – and as always, our work is backed by an industry-leading 3-year, 100% customer satisfaction guarantee. Thanks to your policy with People’s Trust, you can avoid this scam and make sure your repairs are done right. And, with our preferred contractor, you can avoid the trap of assigning your benefits to shady Florida contractors and losing control of your own home repairs.

People’s Trust Insurance
18 People’s Trust Way
Deerfield Beach, FL 33441-6270

 

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