Legal decision The court found the evidence supported the conclusion that the First Award was indeed final and that there was "a decision agreed to by any two." (Photo: Pixelbliss/Fotolia)

A federal district court in Florida has ruled that a first appraisal award was final under the provisions of an insurance policy, rejecting an insurer's contention that an email trail demonstrated that the first award was preliminary and that a second — and lower — award should be upheld.

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