2 different HOA townhome property appraisals

Hi,
Our previous property appraisal for our townhomes,(S.E.Florida) was done in 2007. We just had a new one done with a different company in Aug. 2009. The numbers are lower on the latest one, which would in turn lower our Citizens Insurance. We have our insurance agent involved and our property manager involved also. It looks like the measurements that were used to calculate the property are different between the two appraisals. That looks like the main reason there is such a difference in the replacement values and in turn why our premium would be lowered. The terms used to describe the total size of all the units, by the appraisers, are also different. Of course, Citizens wants to know why the value of our complex has decreased so much. Our new appraiser is willing to stand by his numbers and send a letter to Citizens Insurance. The other factor is, if the first appraiser was incorrect with his measurements, we feel we should be entitled to a partial refund for our premium, over the last few years, due to a miscalculation from our first appraisel.

Anyone else have a similar situation??
Thanks!
Pete

This appraisal is for 96 units which encompass 24 buildings. We have access to the County property appraisers website and our individual sq.foot.measurements are closer to the new appraisal. I agree that the Board presented the appraisal back in 2007 to Citizens Insurance and that was the amount that would have been paid out. Each unit would be responsible for thier own appraisal at the time they bought their unit. This is the insurance that the HOA requires on the entire complex.