ROTHENBERG, J.
The appellant, Leroy Edwards ("Edwards"), who sustained damage to his home from Hurricane Frances on September 4, 2004, made a claim with his insurer, State Farm Florida Insurance Company ("State Farm"). Although State Farm admitted coverage, State Farm made no payment because the amount of loss was below Edwards' hurricane deductible. State Farm contended there was no need for additional repairs or a roof replacement, and Edwards did not object.
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