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I’Ll Huff, And I’Ll Puff, And I’Ll Blow Your Parol Evidence Down: The Eleventh Circuit Explains Why The Plain Text Of An Insurance Policy Wins In The Face Of Contractual Ambiguity, Chloe E. Bonds

Mercer Law Review

Imagine that a small business in sunny, central Florida is evaluating its insurance policy. The business notices that the policy includes seemingly unnecessary coverage for losses caused by landslides. Before the end of the current year, the business contacts its insurance agency and successfully negotiates to remove the existing landslide coverage from next year’s policy. Following the negotiations, the agent issues an updated insurance binder reflecting the change. Although the insurance agency is aware that the business no longer wants landslide coverage, the principal policy issued after negotiations conspicuously does not include any language regarding the coverage or exclusion of …