Insurance — Homeowners — Appraisal — Trial court erred in determining that Preferred Contractor Endorsement subjecting scope of work disputes to appraisal is invalid because of insurer’s alleged failure to provide a statutory notice of change in policy terms — Notice of Change in Policy Terms included in policy renewal package was sufficient to provide statutory notice of change — Trial court erred in determining that insurer waived its right to appraisal because of its failure to provide statutory notice of insureds’ right to participate in mediation at the time insureds first filed a claim of loss — When attorneys for insureds signified that the means and costs of repair estimated by parties had ripened into a dispute, insurer gave timely and compliant notice to insureds of their right to participate in mediation under Department of Financial Services program