Case Name: COMPREHENSIVE BENEFIT ADMINISTRATORS, INC., Appellant, v. NU-CAPE CONSTRUCTION, INC., Lawrence Kirby and Joan Kirby, Appellees
Court: Florida District Court of Appeal
Jurisdiction: Florida
Decision Date: 1989-08-30
Citations: 549 So. 2d 700
Docket Number: No. 89-01049
Parties: COMPREHENSIVE BENEFIT ADMINISTRATORS, INC., Appellant, v. NU-CAPE CONSTRUCTION, INC., Lawrence Kirby and Joan Kirby, Appellees.
Judges: RYDER, A.C.J., and PARKER, J., concur.
Reporter: Southern Reporter, Second Series
Volume: 549
Pages: 700–700

Head Matter:
COMPREHENSIVE BENEFIT ADMINISTRATORS, INC., Appellant, v. NU-CAPE CONSTRUCTION, INC., Lawrence Kirby and Joan Kirby, Appellees.
No. 89-01049.
District Court of Appeal of Florida, Second District.
Aug. 30, 1989.
Mark B. Yeslow of Jeffrey D. Troy, P.A., Fort Myers, for appellant.
Steven Carta of Simpson, Henderson, Savage & Carta, Fort Myers, for appellees.

Opinion:
LEHAN, Judge.
We affirm the summary judgment entered against defendant insurer. The summary judgment determined coverage existed under a group health insurance policy issued to appellee company for medical expenses incident to cancer suffered by the wife of a company employee.
We agree with the trial court's determination that coverage was not precluded due to a misrepresentation through a negative answer to a question in the policy application about knowledge of cancer suffered by the wife. The question was ambiguous as to whether it asked about a then existing condition (in which case the negative answer would have been correct) or about a prior condition (in which case the negative answer would have been incorrect). The trial court properly construed the ambiguity against the insurer and found that coverage was not precluded. See Hulse v. Blue Cross/Blue Shield of Florida, Inc., 424 So.2d 191, 192 (Fla. 5th DCA 1983); Ellenwood v. Southern United Life Insurance Co., 373 So.2d 392, 394 (Fla. 1st DCA 1979); United Services Automobile Ass'n v. Porras, 214 So.2d 749, 750 (Fla. 3d DCA 1968).
Affirmed.
RYDER, A.C.J., and PARKER, J., concur.