National Trust Insurance Company v. Southern Heating and Cooling Inc.

USCA11 Case: 20-11292 Date Filed: 09/03/2021 Page: 1 of 26 [PUBLISH] IN THE UNITED STATES COURT OF APPEALS FOR THE ELEVENTH CIRCUIT ________________________ No. 20-11292 ________________________ D.C. Docket No. 5:19-cv-00268-LCB NATIONAL TRUST INSURANCE COMPANY, Plaintiff - Appellant, versus SOUTHERN HEATING AND COOLING INC, STEVEN HOGE, as Personal Representative of the Estate of Billy Carl Hoge, deceased and as Personal Representative of the Estate of Mary Ellen Hammon Hoge, Defendants - Appellees. ________________________ Appeal from the United States District Court for the Northern…