Buckley Towers Condominium, Inc. v. QBE Insurance Corporation

PER CURIAM: Appellee/cross-appellant Buckley Towers Condominium, Inc. (“Buckley Towers”), the owner of a pair of condominium buildings in Miami-Dade County, Florida, purchased hurricane insurance from appellant/cross-appellee QBE Insurance Corp. (“QBE”), but when Hurricane Wilma struck South Florida in October 2005, QBE did not pay. Buckley Towers sued and, after trial in federal district court, a jury awarded it nearly $20 million in damages. In a previous opinion in this case, we resolved the issues raised by QBE, but noted that we were reserving our judgment on the two issues raised by Buckley Towers on cross-appeal because another panel of our Court had already certified both of these questions to the Florida Supreme Court in Chalfonte Condominium Apartment Ass’n, Inc. v. QBE Ins. Corp., 561 F.3d 1267, 1274-75 (11th Cir.2009). See Buckley Towers Condominium, Inc. v. QBE Ins. Corp., 395 Fed.Appx. 659, n. 3 (11th Cir.2010). These two questions involved: (1) whether Florida law recognizes a claim for breach of the implied warranty of good faith and fair dealing; and (2) whether an insured may bring a claim against an insurer for failure to comply with the language and type-size requirements established by Fla. Stat. § 627.701(4)(a). The Florida Supreme Court has now answered these two questions in the negative. See QBE Ins. Corp. v. Chalfonte Condo. Apartment Ass’n Inc., 94 So.3d 541 (Fla.2012). Thus, we conclude that the district court did not err in dismissing Buckley Towers’ claim that QBE breached an implied warranty of good faith and fair dealing, nor did it err in dismissing the part of Buckley Towers’ declaratory judgment claim pertaining to QBE’s violation of Fla. Stat. § 627.701(4)(a). Accordingly, *961 we affirm the district court’s determinations raised on cross-appeal. AFFIRMED.