Case Name: KISSIMMEE UTILITIES AUTHORITY, Appellant, v. FLORIDA MUNICIPAL INSURANCE TRUST, Appellee
Court: Florida District Court of Appeal
Jurisdiction: Florida
Decision Date: 1997-01-17
Citations: 686 So. 2d 766
Docket Number: No. 96-1255
Parties: KISSIMMEE UTILITIES AUTHORITY, Appellant, v. FLORIDA MUNICIPAL INSURANCE TRUST, Appellee.
Judges: GRIFFIN and ANTOON, JJ., concur.
Reporter: Southern Reporter, Second Series
Volume: 686
Pages: 766–766

Head Matter:
KISSIMMEE UTILITIES AUTHORITY, Appellant, v. FLORIDA MUNICIPAL INSURANCE TRUST, Appellee.
No. 96-1255.
District Court of Appeal of Florida, Fifth District.
Jan. 17, 1997.
Edward Brinson of Brinson, Smith, Smith & Starr, P.A., Kissimmee, for Appellant.
Richard H. McDuff of Johnson, Anselmo, Murdoch, Burke & George, Fort Lauderdale, for Appellee.

Opinion:
TOMBRINK, R., Jr., Associate Judge.
From a careful review of the record, it is clear and obvious that the only expressed basis for the grant of summary judgment by the judge below was on the authority of Doe v. Allstate Ins. Co., 653 So.2d 371 (Fla.1995). The trial judge's exclusive reliance on Doe was misplaced, as Doe does not preclude, and in fact recognizes, a narrow exception in which the doctrine of promissory estoppel may be utilized to create insurance coverage when a refusal to do so would sanction fraud or injustice. Therefore, as the trial judge's only expressed reason for granting summary judgment was erroneous, and there being facts arguably in dispute or not fully developed, this cause is reversed and remanded for further proceedings.
REVERSED AND REMANDED.
GRIFFIN and ANTOON, JJ., concur.