PRIDE CLEAN RESTORATION INC A/A/O VIRGINIA BENITEZ
v.
CITIZENS PROPERTY INSURANCE CORPORATION

Fla. 3d DCA | 2021-05-12
No. 21-0113
Florida District Court of Appeal, Third District (2021)

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Holding

Where insurance contract language is plain and unambiguous, the policy must be interpreted according to its plain meaning, giving effect to the policy as written.


Headnotes

[1] When an insurance policy's language is plain and unambiguous, courts must interpret the policy according to its plain meaning and give effect to it as written, reading th…

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Key Quotes

“Where the language in an insurance contract is plain and unambiguous, a court must interpret the policy in accordance with the plain meaning so as to give effect to the policy as written.”

The court's statement of the governing legal standard for insurance contract interpretation

Facts & Procedural History

Pride Clean Restoration, on behalf of Virginia Benitez, appealed a county court decision involving a property insurance contract with Citizens Propert…

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Opinion of the Court

PER CURIAM.

Affirmed. See Washington Nat’l Ins. Corp. v. Ruderman, 117 So. 3d 943, 948 (Fla. 2013) (holding: “Where the language in an insurance contract is plain and unambiguous, a court must interpret the policy in accordance with the plain meaning so as to give effect to the policy as written. See State Farm Mut. Auto. Ins. Co. v. Menendez, 70 So. 3d 566, 569–70 (Fla. 2011). In construing insurance contracts, ‘courts should read each policy as a whole, endeavoring to give every provision its full meaning and operative effect.’ U.S. Fire Ins. Co. v. J.S.U.B., Inc., 979 So. 2d 871, 877 (Fla. 2007).”) (quotations and citations omitted).


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