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"These claims occurrences are collectively known as “loss creep,” according to COIN Re CEO Ted Blanch. Blanch adds the factors contributing to this “loss creep” are not only affecting insurers and reinsurers, but it is also taking money out of the pockets of Florida homeowners.
Related: Insurers promoting resilience can save lives, properties

Factors driving increased claims
The JLT Re report attributes the increased hurricane losses partly to loss adjustment expenses, meaning costs incurred in the processing of claims, Blanch explains. Some loss adjustment expenses could be private investigator’s fees and expenses for claims investigations.

Another factor driving these rising claims costs is the growing volume of assignment-of-benefits (AOB) agreements. This is when a policyholder transfers to a third party the right to collect an insurance claim as total or partial payment for the contractor’s repair work."

https://www.propertycasualty360.com/2019/02/20/loss-creep-from-major-recent-hurricanes-threatens-premium-hike-in-florida/