Florida Insurance Guaranty v. Reynolds

The Florida Insurance Guaranty Association (“FIGA”)1 appeals, a non-final order, compelling it to participate in an appraisal in its sinkhole homeowner’s insurance dispute with Frank and Tracey Reynolds. FIGA contends that the Reyn-oldses waived their rights to appraisal. We agree and reverse the trial court’s order.2

In April 2010, the Reynoldses had a homeowner’s insurance policy with Home-Wise Preferred Insurance Company. Their home sustained suspected sinkhole damage, but HomeWise denied their claim. In February 2011, the Reynoldses sued HomeWise for breach of contract. Home-Wise answered,…