( November 17, 2025, 7:29 AM EST) -- MIDDLETOWN, Ohio — A trial court did not err in denying an insured’s motion to compel appraisal and granting a homeowners insurer’s motion for summary judgment on breach of contract and bad faith claims because matters of law and coverage cannot be determined through appraisal, the Ohio 12th District Court of Appeals said in affirming the lower court’s rulings....