Insurance — Homeowners — Appraisal — Disinterested appraiser — Insured’s public adjuster did not qualify as “disinterested appraiser” where insured signed contract with public adjuster entitling adjuster to portion of any recovery from the insurer and assigning a portion of the claim to the public adjuster; and public adjuster inspected property, submitted claim to insurance company, and later sent letter appointing himself as the appraiser — On remand, circuit court should enter judgment for insurer on issue of this specific public adjuster’s ability to serve as disinterested appraiser for this insured