Florida’s Fourth District Court of Appeal has ruled that policyholders may openly make audio and video recordings during home inspections by insurance company appraisers—despite the state’s “two-party consent” law, because appraisers have no expectation of privacy while in the insured’s home.

The decision came in a case involving State Farm Insurance Co., in which the appellate panel reverse a ruling from the trial court, which had ruled in the insurer’s favor against a property owner who wanted to videotape the inspection.