Insurance Fraud

Learn about your rights as an insurance consumer

Suspect Fraud?

 You can report suspected insurance fraud directly to Tower Hill using our online form or by phone at 866.265.6590.

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Know Your Rights: Assignment of Benefits


Be sure to read the fine print before you sign on the dotted line! An Assignment of Benefits Agreement is sometimes provided by contractors that specialize in home repair and restoration, as well as roofers and plumbers.

Before signing any document that includes Assignment of Benefits language, please read carefully and consider speaking with your insurance agent. Also referred to as an “AOB,” the agreement authorizes the contractor to act on your behalf and may allow the contractor to receive funds directly from your insurance company. By signing an Assignment of Benefits document, you may be signing away your rights.

When a contractor comes to your door…

 The National Insurance Crime Bureau (NICB) offers these recommendations:


 Work only with licensed and insured contractors

 Work only with licensed and insured contractors. Ask for references!

Get more than one estimate

Always get more
than one estimate.

Beware of contracts

Don’t be pushed into signing
a contract right away.


Get everything in writing.

Total cost and payment schedule

Time schedule, guarantees, and warranties provided

Detailed list of what the project includes

Never, ever sign a contract that includes blanks.

Report Fraud

Please complete the following or call us at 866.265.6590 to report suspected fraud.

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