Insurance Claims made easy

We understand that no one actually wants to file an insurance claim. So at Heritage, we go out of our way to make your claim experience as hassle-free as possible. Our claims professionals will respond to your needs with speed, compassion, and integrity. We always show a dedication to the fair handling of your loss in order to minimize the disruption to your life.

Our customer service representatives are ready to answer your questions and guide you through the claims process 24 hours a day, seven days a week.

To report a claim, call us toll-free at (855) 415-7120.

What is an Assignment of Benefits?

An assignment of benefits (AOB) is a contract between you and a third party – typically a contractor, roofer or water mitigation company – giving them the right to deal directly with Heritage and receive payment for your claim.  When you sign an AOB, you give up your right to manage your claim and ensure it is resolved to your complete satisfaction. 

In 2019, the Florida Legislature passed common sense reforms aimed at bringing balance to the AOB process. As a result of these reforms, AOB vendors must adhere to certain legal requirements to receive payment for your claim. In addition, policyholders have been given the right to cancel an assignment agreement under certain circumstances and take back control of their claim. 

Policyholders, vendors and legal representatives can submit AOB-related documents electronically or by mail.

To submit electronically, email to

To submit by regular mail or via overnight mail send to:

Heritage Property & Casualty Insurance
Attn. AOB Department
1401 N Westshore Blvd
Tampa, FL  33607