Leticia Morales v. Zenith Insurance Company

HULL, Circuit Judge:

In this diversity case, Plaintiff-Appellant Leticia Morales, on behalf of herself, the Estate of Santana Morales, Jr., and two minor children under her guardianship, along with Marciela Morales (collectively, “the Estate”), challenges the district court’s grant of summary judgment to Defendant-Appellee Zenith Insurance Company (“Zenith”) on the Estate’s breach of the insurance contract claim. After review and oral argument, we certify questions to the Florida Supreme Court.

I. BACKGROUND

A. Employer Lawns’s Insurance Policy with Zenith

On December 4, 1997, Santana Morales,…