The Ceballos' home was destroyed by a fire. Their insurer, Citizens, paid them $125,000, the full face value of the home, but refused to pay an additional 25 percent of that amount sought by the Ceballos. The additional coverage, called "law and ordinance," is intended to cover costs that policy-holders incur due to regulations covering restoration. The trial judge ruled that the Ceballos were owed that amount; the Third District Court of Appeal overturned that decision, ruling the Ceballos had to show they had incurred those costs. The Ceballos appealed to this Court.