Harmon v. State Farm Mutual Automobile Insurance Co.

I respectfully dissent from the majority’s holding that State Farm breached the policy when it offered to pay the cost to repair the vehicle on May 29, 2014. The Harmons disagreed with the amount State Farm offered to repair the vehicle, but instead of submitting the issue to the appraisal process, per the terms of the policy, they sued State Farm. Eventually, the appraisal process was initi*103ated and the dispute was settled, albeit after the unnecessary delay caused by the Har-mons’ lawsuit.

It is important to contextualize this appeal. The Harmons’ insurance claim has been settled. They…