Norma R. Davis and Grover C. Davis, Her Husband v. Crown Life Insurance Company, a Foreign Corporation

HATCHETT, Circuit Judge: .

Our issue is whether, under Florida law, the failure to recite in the certificate of insurance (which is available to the insured), a controlling provision recited in the master policy (which is not available to the insured) creates an “ambiguity” that must be resolved in the manner that provides the broadest coverage. Holding that an ambiguity is created, we reverse and remand the case to the trial court.

BACKGROUND

Norma Davis, a new employee of Farm Stores, Inc. (Farm Stores), submitted an enrollment card for group insurance coverage in June, 1979. Crown Life…