(October 4, 2021, 12:46 PM EDT) -- LAKELAND, Fla. — A trial court erred in entering judgment for insureds seeking coverage for damages caused by the overflow of water from a septic tank because the homeowners insurer did not waive its right to assert coverage defenses by invoking the appraisal process and because the appraisal panel failed to consider whether a fungus exclusion applies to the insureds’ fungus-related damages, the Second District Florida Court of Appeal said Oct. 1....