American argues that Three Palms Pointe, Inc., prevents Liberty American from challenging, after entry of a final judgment, an appraisal award as not being covered under the policy. In Three Palms Pointe, Inc., the Eleventh Circuit interpreted the Florida Supreme Court’s opinion in State Farm Fire & Casualty v. Licea, 685 So.2d 1285 (Fla.1996), to hold that once the matter has been Submitted to appraisal, the insurer can only dispute coverage for the claim as a whole and not anything less. We conclude, however, that the court in Three Palms Pointe, Inc. misinterpreted the holding of Licea. And, we are, of course, not bound by the Eleventh Circuit’s decisions on questions of Florida law. See Int’l Assoc. of Bridgeworkers v. Blount Int’l, Ltd., 519 So.2d 1009, 1012 (Fla. 2d DCA 1987) (<HOLDING>). The dispositive issue in Licea was whether an
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