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West Palm Beach- The Florida Fourth District Court of Appeal. Photo: J. Albert Diaz/ALM. West Palm Beach- The Florida Fourth District Court of Appeal. Photo: J. Albert Diaz/ALM.

Despite Florida’s “two-party consent” law, the state’s Fourth District Court of Appeal has ruled that policyholders may openly make audio and video recordings during home inspections by insurance company appraisers. The reason for the ruling is that appraisers have no expectation of privacy while in an insured’s home.

The decision came in a case involving State Farm Insurance Co., in which the appellate panel reversed a ruling from the trial court, which had ruled in the insurer’s favor against a property owner who wanted to videotape the inspection.

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