“Homeowners need to be more responsible for fraud and material misrepresentation during the claims process,” said Austin Flickstein, a principal at Bressler, Amery & Ross’s insurance practice. “Right now, there is a lot of leeway for a homeowner to say they aren’t an expert. If it were codified in law that homeowners are responsible if they let the roofer submit something inflated or inaccurate, it would cut down on (fraudulent claims).” (Credit: Michael O'Keene/Adobe Stock) “Homeowners need to be more responsible for fraud and material misrepresentation during the claims process,” said Austin Flickstein, a principal at Bressler, Amery & Ross’s insurance practice. “Right now, there is a lot of leeway for a homeowner to say they aren’t an expert. If it were codified in law that homeowners are responsible if they let the roofer submit something inflated or inaccurate, it would cut down on (fraudulent claims).” (Credit: Michael O’Keene/Adobe Stock)

Florida is nicknamed The Sunshine State, but exactly how bright that sun shines may depend on who you ask.

For home insurers, Florida is not exactly a hospitable environment. Hurricanes aside, there is the added threat of litigation not only from homeowners, but also from roofing contractors who have secured an “assignment of benefits” (AOB) from a policyholder.

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