Case ID: f3d_731/html/1188-01.html
Source: Caselaw Access Project
Author: {"author": "PER CURIAM:", "license": "Public Domain", "url": "https://static.case.law/"}
Date Created: 2024-08-24T03:29:51.129683

Sydelle RUDERMAN, by and through her Attorney-in-fact, Bonnie SCHWARTZ, Sylvia Powers, by and through her Attorney-in-fact, Les Powers, individually and on behalf of all others similarly situated, et al, Plaintiffs-Appellees, v. WASHINGTON NATIONAL INSURANCE CORPORATION, Successor in Interest to Pioneer Life Insurance Company, Defendant-Appellant.
    No. 10-14714.
    United States Court of Appeals, Eleventh Circuit.
    Sept. 24, 2013.
    Neil Rose, Bernstein Chackman Liss & Rose, Hollywood, FL, Steven Michael Dunn, Steven M. Dunn, PA, Bay Harbor Island, FL, Mark S. Fistos, Steven R. Jaffe, Farmer Jaffe Weissing Edwards Fistos & Lehman, PL, Fort Lauderdale, FL, Richard Lantinberg, The Wilner Firm, PA, Jacksonville, FL, Lee A. Weiss, Browne Woods George, LLP, New York, NY, for Plaintiffs-Appellees.
    Daniel J. Koleos, Koleos Rosenberg, PA, Fort Lauderdale, FL, Jeffrey J. Amato, Adam J. Kaiser, Winston & Strawn, LLP, Paula C. Ro, Dewey & Leboeuf, LLP, New York, NY, for Defendant-Appellant.
    Before MARTIN, EDMONDSON, and SUHRHEINRICH, Circuit Judges.
    
      
       Honorable Richard F. Suhrheinrich, United States Circuit Judge for the Sixth Circuit, sitting by designation.
    
   PER CURIAM:

This case involves a dispute about the proper interpretation of a home health care insurance policy under Florida law. The case returns to us after we certified this question to the Supreme Court of Florida: “In this case, does the Policy’s Automatic Benefit Increase Percentage’ apply to the dollar values of the ‘Lifetime Maximum Benefit Amount’ and the ‘Per Occurrence Maximum Benefit’?” We noted that answering this question might involve answering three sub-questions:

A. Does an ambiguity exist about whether the Policy’s “Automatic Benefit Increase Percentage” applies only to the “Home Health Care Daily Benefit” or whether it also applies to the “Lifetime Maximum Benefit Amount” and the “Per Occurrence Maximum Benefit”?
B. If an ambiguity exists in this insurance policy — as we understand that it does — should courts first attempt to resolve the ambiguity by examining available extrinsic evidence?
C. Applying the Florida law principles of policy construction, does the Policy’s “Automatic Benefit Increase Percentage” apply to the “Lifetime Maximum Benefit Amount” and to the “Per Occurrence Maximum Benefit” or does it apply only to the “Home Health Care Daily Benefit”?

Ruderman v. Wash. Nat’l Ins. Corp., 671 F.3d 1208, 1212 (11th Cir.2012).

The Supreme Court of Florida has advised us that the answer is “yes” to the main certified question, “yes” to sub-question A, “no” to sub-question B, and “yes” to sub-question C. Wash. Nat’l Ins. Corp. v. Ruderman, 38 Fla. L. Weekly S. 511 (Fla.2013). We thank the Florida court for its guidance. In the fight of these definite responses, we affirm the district court’s grant of summary judgment in favor of the Plaintiff-Appellees.

AFFIRMED. 
      
      . For background, see Ruderman, 671 F.3d at 1210-11.
     
      
      . To the extent that a party seeks any kind of award of attorneys’ fees for the work performed during the course of this appeal— including for the work performed in resolving the certified question in the Supreme Court of Florida — that party must file a proper application for those attorneys' fees with this Court. See generally 11th Cir. R. 39-2.