Joseph SALERA, Appellant v. STATE FARM FIRE AND CASUALTY COMPANY, Appellee; James Mee, Appellant v. Safeco Insurance Company of America, Appellee; Ihor Helo and Diane Helo, h/w, Appellants v. Encompass Insurance, Appellee; Karol DiCicco, Appellant v. Allstate Insurance Company, Appellee; Richard Crowley and Patti Crowley, h/w, and Adam Skelding and Cheri Skelding, h/w, v. The Travelers Property Casualty Insurance Company. Appeal of Adam Skelding and Cheri Skelding