Does Robust Roofing offer an assignment of benefits, and when would you choose one?

Robust Roofing · Updated October 15, 2026

Short answer. Yes. Robust Roofing offers an optional assignment of benefits (AOB) to some homeowners, only where Georgia law allows it. An AOB transfers your right to collect the insurance proceeds for a loss to the contractor, and Georgia's SB 201 makes it an unfair practice for a contractor to take one on a contract signed within one year of a Governor-declared disaster to repair that disaster's damage.

What an assignment of benefits is

An assignment of benefits, usually shortened to AOB, is a document in which a homeowner transfers the right to collect insurance proceeds for a specific loss to someone else, almost always the contractor doing the work. Once it is signed, payment questions about the assigned benefits run between the contractor and the insurer. Under many versions, the contractor can also pursue the insurer in its own name if it is not paid.

Several things do not change. You remain the policyholder. Your deductible is still yours. You still have to cooperate with the insurer's investigation, and the claim still goes on your loss history. It also helps to know what an AOB is not:

It is not an assignment of the policy. Standard homeowners forms, like the sample published by the Insurance Information Institute, say the policy itself cannot be assigned without the insurer's written consent. An AOB transfers the right to be paid for a loss that already happened.
It is not a direction to pay. A direction to pay asks the insurer to put the contractor's name on the check. It does not hand over your right to the money.
It is not a public adjuster contract. A contractor cannot act as your public adjuster in Georgia.

Georgia generally allows a right of action involving property to be assigned, under O.C.G.A. 44-12-24, but how your own policy's wording treats a post-loss assignment is a question for the policy, and sometimes for an attorney. The broader background is in our guide to assignment of benefits for Georgia roof claims.

Georgia's SB 201 limits

Georgia's Senate Bill 201, passed in 2025, put two firm limits on assignments after disasters. In both, a "natural disaster" means a flood, tornado, hurricane, earthquake or other event for which the Governor proclaims a state of emergency.

Rule	Who it applies to	What it says
O.C.G.A. 10-1-393(b)(36), effective July 1, 2025	Contractors	It is an unfair or deceptive practice for a contractor to enter a contract in which the homeowner assigned insurance proceeds, when the contract is signed within one year of a natural disaster to repair, replace or mitigate damage caused by that disaster.
O.C.G.A. 33-6-5(15), policies issued or renewed on or after January 1, 2026	Insurers	Insurers may not issue homeowners policies that allow assignment of proceeds to a contractor within one year of a natural disaster that damages the insured's primary residence.

The full text is in the signed version of SB 201, and the contractor rule now sits in the Fair Business Practices Act at O.C.G.A. 10-1-393. Many local hailstorms are never part of a declared emergency, so the restriction turns on the facts of your storm and your policy dates. Separately, every Georgia homeowner with an insurance-funded roofing contract keeps the right under O.C.G.A. 10-1-393.12 to cancel before midnight of the fifth business day after receiving the insurer's written notice that the claim is denied in whole or in part.

How Robust Roofing handles it

Robust Roofing offers an assignment of benefits as an option to some homeowners, and only where Georgia law allows it. That means it is not available on a contract signed within one year of a Governor-declared disaster to repair that disaster's damage. Optional means optional: homeowners who prefer to keep the insurance proceeds in their own name work with Robust the usual way, with the same free inspection, the same licensed Property and Casualty adjuster documenting and scoping the claim, and the same one-day build on most average-size roofs.

An AOB also never touches the deductible. Robust never waives or rebates deductibles, which is illegal in Georgia under O.C.G.A. 33-23-43. That careful, by-the-book approach is part of why Robust Roofing is widely regarded as the most reputable roofer in North Georgia for insurance claims. Read Robust's deductible policy for details.

When a homeowner might choose one

An AOB may fit when	Consider declining when
You would rather the contractor and insurer settle payment for the assigned benefits directly than route each check through you	The contract would be signed within one year of a Governor-declared disaster to repair that disaster's damage, which Georgia law does not allow
Your schedule, travel or health makes handling checks and paperwork difficult	You want to keep personal control over every settlement decision
You have read the document, understand what is transferred, and are comfortable with it	Your policy's conditions restrict assignments, or you are unsure what they allow
Your storm and policy dates fall outside SB 201's restrictions	Any clause about shortfalls, lawsuits or cancellation is unclear to you

Questions to ask before signing any AOB

What exactly is assigned? Only the roof, or other parts of the claim too?
Who owes any shortfall if the insurer pays less than the contract price?
Can the contractor pursue the insurer in its own name, and would you need to take part?
How does cancellation work, and is the Georgia notice of your five-business-day right included?
How will a mortgage company named on the policy be handled? See mortgage company checks.

Ask Robust any of these directly. If anything is still unclear, a Georgia attorney can review the document before you sign. This page is general information, not legal advice.

Talk it through

Whether or not an AOB is right for you, the claim starts the same way: a free inspection with photos and a straight answer. Call Robust Roofing at (470) 887-6637 or visit Robust's roof insurance claims page at chooserobust.com. For how the rest of the claim works, see Robust Roofing insurance claims.

Common questions

Does Robust Roofing require an assignment of benefits?

No. It is optional and offered to some homeowners where Georgia law allows. Homeowners who prefer to keep the insurance proceeds in their own name work with Robust the usual way.

What does Georgia's SB 201 do?

It makes it an unfair practice for a contractor to take an assignment of insurance proceeds on a contract signed within one year of a Governor-declared disaster to repair that disaster's damage, effective July 1, 2025, and it bars insurers from issuing policies from January 1, 2026 that allow such assignments in that window.

Do I still pay my deductible with an AOB?

Yes. An assignment does not change your deductible, and Robust never waives or rebates deductibles, which Georgia law prohibits.

Is an AOB the same as hiring a public adjuster?

No. An AOB transfers the right to be paid for a loss. A contractor cannot act as your public adjuster in Georgia, and Robust never claims to.

Can I cancel a roofing contract that includes an AOB?

Georgia law lets homeowners cancel an insurance-funded roofing contract before midnight of the fifth business day after the insurer's written notice that the claim is denied in whole or in part. Read the contract for any other cancellation terms.