What Is Contingency Agreement?
A contingency agreement is a contract a homeowner signs with a roofing contractor that only takes effect if the insurance company approves the claim, authorizing the contractor to do the work contingent on the insurer agreeing to pay for it.
$300 setup + $199 per booked appointment.
A contingency agreement is a contract a homeowner signs with a roofing contractor that only takes effect if the insurance company approves the claim, authorizing the contractor to do the work contingent on the insurer agreeing to pay for it.
Contingency Agreement explained
Unlike Assignment of Benefits, a contingency agreement does not transfer the homeowner's right to collect the insurance payment directly to the contractor. The homeowner still receives the insurance check; the agreement simply locks in the contractor for the job once, and only if, the claim is approved.
That structure fits the storm-restoration sales cycle well. Because the timeline compresses to 1 to 3 days from first contact to signed contract, a contingency agreement lets a rep lock in the job at the homeowner's door before an adjuster has even inspected the roof, with the actual work triggered once approval comes through.
The agreement has taken on more weight in Florida specifically since AOB was banned outright for policies issued or renewed on or after January 1, 2023. With that option off the table for newer policies, a contingency agreement is now the primary contractual tool Florida storm-restoration sales teams use to tie a signed job to claim approval.
Why it matters when you're buying
A contingency agreement is not the same paperwork as an AOB, and the two are not interchangeable. In Florida specifically, where AOB is banned for policies issued or renewed since 2023, a storm-restoration sales team that does not understand this distinction is one signature away from using paperwork that no longer applies to the claim in front of them.
Frequently Asked Questions
How is a contingency agreement different from an AOB?
Why do storm-restoration sales teams sign a contingency agreement before the adjuster inspects?
Put the playbook to work
VA Horizon books qualified Roofing appointments and builds the systems behind Contingency Agreement and the rest of your pipeline.
Book a Roofing Call$300 one-time setup · $199 per booked appointment · No-shows replaced free
Recommended next steps