AOB Fraud primarily in only South Florida(Compared to the entire country)   is now so out of control with overestimated water loss claims that a national insurance rating company DEMOTECH is planning on downgrading Florida insurance carriers due to this growing issue. Why does this effect me ??? Well if you are with a carrier that is scheduled to be downgraded from anything below an “A” your lender will now require you to secure another carrier with at least and “A” or better rating.  This in some cases might not even be available depending on the home location, age, and coverage . Any FDIC loan requires that any monies borrowed must be secured and insured by an “A” or better insurance company.

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