Once the homeowner notified People's Trust of the damage, and they inspected, the insurer advised the homeowner that coverage existed for the claim. The company also advised it would use its preferred contractor to complete repairs. But the homeowner used appellee First Call 24/7 Inc. to make the repairs. (Credit: Felix Mizioznikov/Shutterstock.com) Once the homeowner notified People's Trust of the damage, and they inspected, the insurer advised the homeowner that coverage existed for the claim. The company also advised it would use its preferred contractor to complete repairs. But the homeowner used appellee First Call 24/7 Inc. to make the repairs. (Credit: Felix Mizioznikov/Shutterstock.com)

A ruling from Florida's Fourth District Court of Appeal reiterates a key principle.

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