{"id":902845,"date":"2024-06-18T16:20:06","date_gmt":"2024-06-18T22:20:06","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=902845"},"modified":"2024-06-18T16:20:10","modified_gmt":"2024-06-18T22:20:10","slug":"appraisal-can-be-compelled-even-if-coverage-issues-remian","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/","title":{"rendered":"Florida Supreme Court Rules Appraisal Can Be Compelled Even If Coverage Issues Remain"},"content":{"rendered":"\n<p>Gabrielle Wright | <a href=\"https:\/\/marshalldennehey.com\/articles\/florida-supreme-court-rules-appraisal-can-be-compelled-even-if-coverage-issues-remain\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Marshall Dennehey<\/a><\/p>\n\n\n\n<p><strong>Am. Coastal Ins. Co. v. San Marco Villas Condo. Ass\u2019n, Inc., SC2021-0883, 2024 WL 369079 (Fla. 2024)<\/strong><\/p>\n\n\n\n<p>The defendant, San Marco, filed a property claim with its insurer, American Coastal, for damage sustained to its property after Hurricane Irma. American Coastal paid San Marco for the claimed damage. Thereafter, San Marco provided an estimate of repairs which far exceeded the prior payment and demanded appraisal, which American Coastal refused, stating it was premature in light of its ongoing investigation. In response, San Marco sued and asked the court to compel appraisal. American Coastal responded via correspondence, stating it was denying coverage based on fraud. San Marco then moved to <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-before-coverage-decided\/\">compel appraisal<\/a>, which was ultimately granted by the trial court. The Second District Court affirmed the order.\u00a0<em>Am. Coastal Ins. Co. v. San Marco Villas Condo Ass\u2019n, Inc.<\/em>, 346 So. 3d 78, 79 (Fla. 2d DCA 2021). The Florida Supreme Court reviewed the applicable policy, which states: \u201cEach party has the right to demand an appraisal whether there is a disagreement as to the \u2018amount of loss.\u2019\u201d The Florida Supreme Court determined there was a disagreement over the amount of loss and, thus, appraisal was appropriate. Furthermore, as it relates to the coverage dispute, the Florida Supreme Court held the trial court had discretion to determine the order on which coverage and amount of loss issues are resolved due to the \u201cretained rights provision\u201d in the policy. Specifically, the \u201cretained-rights\u201d provision gives the insurer the \u201c\u2018right to deny a claim\u2019 even \u2018if there is an appraisal\u2019.\u201d Citing to precedent, the Supreme Court ruled the retained-rights provision contemplates appraisals occurring prior to resolution of coverage.\u00a0<em>See, State Farm Fire &amp; Cas. Co. v. Licea<\/em>, 685 So. 2d 1285, 1288 (Fla. 1996) (interpreting retained-rights provision as allowing an insurer to raise \u2013 following appraisal \u2013 coverage issues like \u201cviolation of the usual policy conditions such as fraud, lack of notice, and failure to cooperate.\u201d).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gabrielle Wright | Marshall Dennehey Am. Coastal Ins. Co. v. San Marco Villas Condo. Ass\u2019n, Inc., SC2021-0883, 2024 WL 369079 (Fla. 2024) The defendant, San Marco, filed a property claim with its insurer, American Coastal, for damage sustained to its property after Hurricane Irma. American Coastal paid San Marco for the claimed damage. Thereafter, San&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/\">Continue reading <span class=\"screen-reader-text\">Florida Supreme Court Rules Appraisal Can Be Compelled Even If Coverage Issues Remain<\/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":[10235],"tags":[9895,131],"class_list":["post-902845","post","type-post","status-publish","format-standard","hentry","category-insurance-appraisal","tag-advise-consult","tag-insurance-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 Supreme Court Rules Appraisal Can Be Compelled Even If Coverage Issues Remain - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"description\" content=\"Each party has the right to demand an appraisal whether there is a disagreement as to the \u2018amount of loss.\" \/>\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\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Florida Supreme Court Rules Appraisal Can Be Compelled Even If Coverage Issues Remain - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Each party has the right to demand an appraisal whether there is a disagreement as to the \u2018amount of loss.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/\" \/>\n<meta property=\"og:site_name\" content=\"Advise &amp; Consult, Inc.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-18T22:20:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-18T22:20:10+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:site\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"Florida Supreme Court Rules Appraisal Can Be Compelled Even If Coverage Issues Remain\",\"datePublished\":\"2024-06-18T22:20:06+00:00\",\"dateModified\":\"2024-06-18T22:20:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/\"},\"wordCount\":364,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"Advise &amp; Consult\",\"insurance appraisal\"],\"articleSection\":[\"Insurance Appraisal\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/\",\"name\":\"Florida Supreme Court Rules Appraisal Can Be Compelled Even If Coverage Issues Remain - Advise &amp; Consult, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\"},\"datePublished\":\"2024-06-18T22:20:06+00:00\",\"dateModified\":\"2024-06-18T22:20:10+00:00\",\"description\":\"Each party has the right to demand an appraisal whether there is a disagreement as to the \u2018amount of loss.\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"name\":\"Advise &amp; Consult, Inc.\",\"description\":\"Construction Expert Witnesses\",\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.myconstructionexpert.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\",\"name\":\"Advise & Consult\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png\",\"contentUrl\":\"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png\",\"width\":162,\"height\":75,\"caption\":\"Advise & Consult\"},\"image\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\",\"https:\/\/x.com\/adviseconsult\",\"https:\/\/www.linkedin.com\/company-beta\/204526\/\",\"https:\/\/www.youtube.com\/user\/MrConstructionExpert\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg\",\"caption\":\"admin\"},\"sameAs\":[\"http:\/\/www.expertwitnessinconstruction.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Florida Supreme Court Rules Appraisal Can Be Compelled Even If Coverage Issues Remain - Advise &amp; Consult, Inc.","description":"Each party has the right to demand an appraisal whether there is a disagreement as to the \u2018amount of loss.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/","og_locale":"en_US","og_type":"article","og_title":"Florida Supreme Court Rules Appraisal Can Be Compelled Even If Coverage Issues Remain - Advise &amp; Consult, Inc.","og_description":"Each party has the right to demand an appraisal whether there is a disagreement as to the \u2018amount of loss.","og_url":"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/","og_site_name":"Advise &amp; Consult, Inc.","article_publisher":"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","article_published_time":"2024-06-18T22:20:06+00:00","article_modified_time":"2024-06-18T22:20:10+00:00","author":"admin","twitter_card":"summary_large_image","twitter_creator":"@adviseconsult","twitter_site":"@adviseconsult","twitter_misc":{"Written by":"admin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/#article","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/"},"author":{"name":"admin","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7"},"headline":"Florida Supreme Court Rules Appraisal Can Be Compelled Even If Coverage Issues Remain","datePublished":"2024-06-18T22:20:06+00:00","dateModified":"2024-06-18T22:20:10+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/"},"wordCount":364,"commentCount":0,"publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"keywords":["Advise &amp; Consult","insurance appraisal"],"articleSection":["Insurance Appraisal"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/","name":"Florida Supreme Court Rules Appraisal Can Be Compelled Even If Coverage Issues Remain - Advise &amp; Consult, Inc.","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website"},"datePublished":"2024-06-18T22:20:06+00:00","dateModified":"2024-06-18T22:20:10+00:00","description":"Each party has the right to demand an appraisal whether there is a disagreement as to the \u2018amount of loss.","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myconstructionexpert.com\/blog\/appraisal-can-be-compelled-even-if-coverage-issues-remian\/"]}]},{"@type":"WebSite","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website","url":"https:\/\/www.myconstructionexpert.com\/blog\/","name":"Advise &amp; Consult, Inc.","description":"Construction Expert Witnesses","publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.myconstructionexpert.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization","name":"Advise & Consult","url":"https:\/\/www.myconstructionexpert.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png","contentUrl":"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png","width":162,"height":75,"caption":"Advise & Consult"},"image":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","https:\/\/x.com\/adviseconsult","https:\/\/www.linkedin.com\/company-beta\/204526\/","https:\/\/www.youtube.com\/user\/MrConstructionExpert"]},{"@type":"Person","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg","caption":"admin"},"sameAs":["http:\/\/www.expertwitnessinconstruction.com"]}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p2ztG6-3MS1","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/902845","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/comments?post=902845"}],"version-history":[{"count":1,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/902845\/revisions"}],"predecessor-version":[{"id":902846,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/902845\/revisions\/902846"}],"wp:attachment":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=902845"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=902845"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=902845"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}