{"id":104284,"date":"2014-10-27T06:58:23","date_gmt":"2014-10-27T12:58:23","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=104284"},"modified":"2014-10-22T11:58:53","modified_gmt":"2014-10-22T17:58:53","slug":"florida-appellate-court-opinion-regarding-extent-scope-appraisal","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/florida-appellate-court-opinion-regarding-extent-scope-appraisal\/","title":{"rendered":"Florida Appellate Court Opinion Regarding the Extent or Scope of Appraisal"},"content":{"rendered":"<p>Shaun Marker | \u00a0Property Insurance Coverage Law Blog | October 13, 2014<\/p>\n<p>This is part two of my earlier post, Florida Appellate Court Defines The Meaning Of The Term &#8220;Disinterested&#8221; As It Relates To Appraisal Provision, concerning the recent opinion in FIGA v. Branco.1 The 5th DCA opinion discussed the scope of appraisal. This is often a common issue that policyholders and insurance carriers have when a claim proceeds to appraisal \u2013 does the dispute concern coverage or amount of loss? Often the insurance carrier will assert that the dispute involves a question of coverage which is not appropriate for appraisal. Appraisal deals with an amount of loss question. Well the Branco case has a good discussion and analysis on this topic.<\/p>\n<p>FIGA argued that the trial court was wrong in ordering the parties to appraisal because their dispute was over the \u201cmethod of repair\u201d rather than the \u201camount of loss.\u201d The Florida Court considered the question:<\/p>\n<p>[W]hether the method or extent of necessary repairs is within the scope of an \u2018amount of loss\u2019 appraisal policy provision.<\/p>\n<p>The Court cited to an opinion from the Eastern District of Pennsylvania in support of its holding that:<\/p>\n<p>FIGA\u2019s interpretation of the appraisal clause in the policy would render the appraisal meaningless. Although FIGA may characterize the dispute over the necessary repairs as a coverage issue, in reality, it is an \u2018amount of loss\u2019 issue. There is no dispute that Homewise insured the Branco\u2019s home at the relevant time for sinkhole losses, and FIGA has now admitted that the Brancos have sustained a covered loss. The logical disagreement between an insured and the insurer after a covered loss would be, as the court in Williamson stated, \u2018disagreement as to whether the covered occurrence actually caused a certain portion of the putative damage, as well as disagreements about the scope and method of necessary repairs.\u2019 The extent and cost of the necessary repairs to the Branco\u2019s property will determine, in large part, the amount FIGA owes. To accomplish their task, the appraisers will have to consider the necessary method and scope of required repairs to evaluate the amount of the Brancos\u2019 loss.<\/p>\n<p>The 5th DCA held that the appraisal panel can determine the method or scope of the necessary repairs when determining the amount of loss. This opinion that looks at the issue with common sense. Appraisal is a contractual alternative dispute resolution process. When coverage is admitted for a loss, the appraisers should not be prohibited from deciding all issues other than the price for the scope of repairs the insurance carrier paid in its estimate. If the appraisal panel is so limited, it would essentially strike the appraisal provision from the contract, render it meaningless, and congest the court system with litigation over the disputes \u2013 the exact thing the appraisal provision is meant to avoid by contractual agreement.<\/p>\n<p>1 Florida Insurance Guaranty Association v. Branco, 5D13-2929, 2014 WL 4648208 (Fla. 5th DCA Sept. 19, 2014).<\/p>\n<p>via <a href=\"http:\/\/www.propertyinsurancecoveragelaw.com\/2014\/10\/articles\/insurance\/florida-appellate-court-opinion-regarding-the-extent-or-scope-of-appraisal\/index.html\">Florida Appellate Court Opinion Regarding the Extent or Scope of Appraisal : Property Insurance Coverage Law Blog<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Shaun Marker | \u00a0Property Insurance Coverage Law Blog | October 13, 2014 This is part two of my earlier post, Florida Appellate Court Defines The Meaning Of The Term &#8220;Disinterested&#8221; As It Relates To Appraisal Provision, concerning the recent opinion in FIGA v. Branco.1 The 5th DCA opinion discussed the scope of appraisal. This is&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/florida-appellate-court-opinion-regarding-extent-scope-appraisal\/\">Continue reading <span class=\"screen-reader-text\">Florida Appellate Court Opinion Regarding the Extent or Scope of Appraisal<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[3],"tags":[3,5266],"class_list":["post-104284","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-insurance-claims","tag-scope-of-appraisal","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Florida Appellate Court Opinion Regarding the Extent or Scope of Appraisal - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/florida-appellate-court-opinion-regarding-extent-scope-appraisal\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Florida Appellate Court Opinion Regarding the Extent or Scope of Appraisal - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Shaun Marker | \u00a0Property Insurance Coverage Law Blog | October 13, 2014 This is part two of my earlier post, Florida Appellate Court Defines The Meaning Of The Term &#8220;Disinterested&#8221; As It Relates To Appraisal Provision, concerning the recent opinion in FIGA v. 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