The insured, the municipality of the Village of Golf, settled a claim with a farmer based upon alleged damages to a crop from a chlorine leak at a City facility. The City then brought this suit against its insurer, Florida Municipal Insurance Trust, claiming that it was prejudiced by the insurer's inadequate pre-suit investigation, which should estop the insurer from denying coverage. The trial court agreed and awarded damages to the insured based upon estoppel, which was affirmed by the Fourth District. This Court granted jurisdiction to review the Fourth District's certified question of great public importance.