In a reversal, a Florida appellate court ruled an appraisal was warranted rather than litigation after an insurer did not wholly denied coverage of its insured homeowner claim and the dispute hinged on the amount of the loss.

Jose and Stefania Colucciello submitted a claim to their insurer, First Protective Insurance Co., doing business as Frontline Insurance Co., for damage caused by water intrusion from Hurricane Irma in 2017.