WEST PALM BEACH, Fla. - A Florida appeals panel on April 2 affirmed a trial judge's order that an appraisal panel should determine the amount of loss under an insolvent insurance company's policy sustained by an insured for ordinance or law coverage regarding reconstruction following Hurricane Wilma (Florida Insurance Guaranty Association v. Coral Palms Village Homeowner's Association Inc., No. 4D13-856, Fla. App., 4th Dist.; 2014 Fla. App. LEXIS 4737).