Norman David Freeman and Christy Ann Freeman v. American Integrity Insurance Co. of Florida

Appellants, Norman David Freeman and Christy Ann Freeman, appeal a final summary judgment entered in favor of Appellee, American Integrity Insurance Company of Florida. Appellants argue that section 627.702, Florida Statutes (2008), Florida’s Valued Policy Law (“FVPL” or “VPL”), applied to their insurance claim, entitling them to recover the full policy limits for the total loss of their mobile home, or at least a genuine issue of material fact remained about its applicability. For the reasons that follow, we reverse the final summary judgment and remand for further proceedings.

Facts

Appellee…