NEW ORLEANS - Because there is a dispute over the scope of coverage under a standard flood insurance policy (SFIP), the insured's invocation of the appraisal clause is improper, a Louisiana federal judge ruled June 3 (Michael Vernon Sharpe v. American National Property and Casualty Co., No. 13-161, E.D. La.; 2014 U.S. Dist. LEXIS 76088).