Here, like in Tracey<\/em>, the insurer admitted coverage for the insured\u2019s loss as a whole and determined the initially reported roof damage was covered\u2026.The claim was never settled and was still open when the insured subsequently reported additional roof damage and damage to its windows and doors. We have generally recognized that a subsequent claim should be treated as part of the initial claim if the insurer has accepted coverage for the initial claim and the claim has not been settled. Compare Luciano<\/em>, 156 So. 3d at 1109\u201310 (treating subsequent claims as part of the initial claim where coverage accepted for initial claim and not settled or resolved), with Corridori<\/em>, 28 So. 3d at 130\u201331 (treating subsequent claim as a \u2018separate claim\u2019 where coverage accepted for initial claim but settled, resolved, or otherwise closed).<\/p>\n\n\n\n

Like the insureds in Tracey<\/em>, the insured in this case has only one claim, and because the insurer has not wholly denied coverage, any dispute as to whether the insurer is required to pay for all the reported damage is an \u2018amount of loss\u2019 or causation dispute that must be resolved in appraisal\u2026.<\/p>\n\n\n\n

In summary, the insured\u2019s claim is ripe for appraisal because the insurer admitted coverage for the initial claim, and the claim remained open for adjustment when the insured reported additional damage pursuant to the policy. The parties\u2019 disagreement as to whether the insurer is required to pay for the additional damage is an \u2018amount-of-loss\u2019 issue for appraisal to resolve, not a coverage issue. We therefore affirm the order staying the litigation and compelling appraisal.<\/p>\n<\/blockquote>\n\n\n\n

The new Florida terms regarding supplemental and re-opened claims are certain to be litigated much more frequently. I can appreciate that many readers from other states are thinking, \u201cWhat will Florida Man do next regarding insurance?\u201d <\/p>\n\n\n\n

Thought For The Day <\/strong><\/p>\n\n\n\n