According to the National Association of Insurance Commissioners (NAIC) Florida homeowners insurance claims accounted for just over 8% of all homeowners claims opened by U.S. insurers in 2019.  However, homeowners insurance lawsuits in Florida accounted for more than 76% of all litigation against insurers nationwide. 

How do we changes those numbers?  Avoid Appraisal.  If you can’t avoid appraisal, draft an appraisal agreement that identifies the issues for appraisal.  Lock in the scope of work early. Be proactive. Get coverage disputes resolved before the anyone demands appraisal. Don’t hesitate to seek the court’s guidance if the appraisal goes beyond what appraisal was designed to be—a method of resolving damage issues not causation or scope.