At Ramirez Enriquez, PLLC, we represent contractors that perform services after a loss in exchange for an assignment of benefits. Water extraction companies, mold remediators, fire/smoke remediators and other contractors operating through assignments of benefits have protected homeowners from exposure to mold, carcinogens and other harmful toxins.  They perform services without requiring payment upfront, allowing insureds to move back into their homes and get back to their normal lives faster.  They have saved insurance companies major money by protecting properties from further damage.

In exchange for this invaluable service, insurance companies have gone on an all-out crusade to stop contractors from operating under valid assignments of benefits.  Insurers have made legal arguments that assignments are not valid, have attempted to require the consent of third parties to effectuate an assignment, have placed arbitrary caps on services rendered by contractors, have issued checks that clearly violate the terms of the assignment and tried to appraise an assignee’s bill for services rendered directly with homeowners.