Shaw v. National Union Fire Ins. Co. of Pittsburgh

KRAVITCH, Circuit Judge:

James Shaw broke both legs and his back, shattered his ankles, and lost one-third of his right heel when he fell from the roof of a building. Because he could no longer work, Shaw submitted a claim to National Union Fire Insurance Company for “permanent total disability” benefits under an insurance policy issued in Florida the previous year. After National Union denied Shaw’s claim, he sued, and National Union removed the case to federal court. 1 The question before us is whether the policy’s definition of permanent total disability unambiguously made dismemberment,…