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Ohio Supreme Court sides with insurer over appraisal award - Business Insurance Skip to content Register for free Search Search Log In Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2025 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2025 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2025 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2025 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Ohio Supreme Court sides with insurer over appraisal award by Richard Sine Catastrophes , Claims Disputes , P/C Insurers , Property Jul 24, 2026 An Indiana insurance company will not have to pay a church more than $200,000 in additional storm damage claims after the Ohio Supreme Court ruled on Thursday that the church failed to properly allege that the binding appraisal process was flawed. The case, One Church v. Brotherhood Mutual Insurance Company , stemmed from wind damage to buildings owned by One Church, of Gahanna, Ohio. After a February 2019 windstorm damaged the church’s property, the two sides could not agree on the loss amount and invoked the appraisal process outlined in their policy. Each side selected an independent appraiser, and the appraisers agreed on a loss of more than $313,000. Brotherhood paid that amount, minus a $900 deductible, in 2020. One Church later sued, claiming it had discovered additional hidden damage worth more than $200,000 that Brotherhood refused to pay. The trial court dismissed the case, finding no evidence of fraud or mistake to justify reopening the binding appraisal. The Tenth District Court of Appeals reversed, but the Ohio Supreme Court reinstated the trial court’s dismissal. Writing for the six-justice majority, Justice Joseph T. Deters explained that appraisal awards can be undone only by fraud or a “gross mistake,” not “a mere error of judgment.” The court found that One Church’s complaint never used the word “mistake” and failed to explain “who discovered the damages, how they were discovered, where they were found, why they were previously hidden, or why they rise to the level of a manifest mistake.” Justice Patrick F. Fischer dissented, arguing the case wasn’t about mistake at all, but whether the binding appraisal covered damage that wasn’t discoverable at the time. “There is no evidence in the pleadings indicating that any language from the insurance contract refutes One Church’s claim that the binding appraisal award covered only known and discoverable damage,” Justice Fischer wrote. He wrote that he would have affirmed the appeals court’s ruling and let One Church’s claims proceed. Several industry groups submitted briefs in support of Brotherhood, including the Ohio Insurance Institute, the National Association of Mutual Insurance Companies, the American Property Casualty Insurance Association and the Ohio Association of Civil Trial Attorneys. Related News Munich Re reports preliminary Q2 net profit July 24, 2026 Mass. high court says federal law preempts cell tower shutdown order July 24, 2026 Iowa court orders dismissal of worker’s bad-faith claim July 24, 2026 Appeals court overturns nearly $10 million award to disabled former officer July 24, 2026 Fine wine aged in mold? 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