                                                                              F I L E D
                                                                       United States Court of Appeals
                                                                               Tenth Circuit
                                       PUBLISH
                                                                              NOV 30 1998
                      UNITED STATES COURT OF APPEALS
                                                                           PATRICK FISHER
                                                                                   Clerk
                                  TENTH CIRCUIT



 NATIONAL UNION FIRE INSURANCE
 COMPANY OF PITTSBURGH
 PENNSYLVANIA,

        Plaintiff-Appellee,
 v.
                                                             No. 96-3204
 FEDERAL DEPOSIT INSURANCE
 CORPORATION, as successor to the
 Resolution Trust Corporation, as receiver
 for Pioneer Savings and Loan Association,
 and as conservator of Pioneer Federal
 Savings and Loan Association,

        Defendant-Appellant.


           APPEAL FROM THE UNITED STATES DISTRICT COURT
                    FOR THE DISTRICT OF KANSAS
                        (D.C. No. 94-2088-GTV)


Gregory E. Gore, Counsel (Ann S. DuRoss, Assistant General Counsel, Thomas L. Hindes,
Senior Counsel, Federal Deposit Insurance Corporation, with him on the brief), Washington,
D.C., for Defendant-Appellant.

Charles M. Thomas (Charles H. Stitt and Kenton E. Snow with him on the brief), of Craft
Fridkin & Rhyne, Kansas City, Missouri, for Plaintiff-Appellee.


Before BRORBY, HOLLOWAY, and EBEL, Circuit Judges.


PER CURIAM.
                         __________________________________

       This is an appeal from a summary judgment entered in favor of an insurer in a

declaratory judgment action. The district court held that due to the late filing of proof of

loss, recovery was barred under fidelity bonds issued to the savings and loan association.

National Union Fire Insurance Co. v. FDIC, 923 F. Supp. 1402 (D. Kan. 1996). The Federal

Deposit Insurance Corporation (FDIC), as successor to the receiver for the savings and loan

association, appealed.

       Under the Uniform Certification of Questions of Law Act, K.S.A. 60-3201, et seq.,

we certified to the Kansas Supreme Court the following question: “Does the failure by an

insured to provide a proof of loss within the limit provided by a fidelity bond of the type

involved here justify denial of coverage under the bond without the insurer showing that it

has been substantially prejudiced by the untimely proof of loss?” The Supreme Court of

Kansas, on the facts submitted to it by our court in the certification, held that the answer

under Kansas law is “No.” National Union Fire Insurance Company of Pittsburgh,

Pennsylvania v. Federal Deposit Insurance Corporation, 957 P.2d 357 (Kan. 1998).

       In light of the response under Kansas law, which controls, the summary judgment

entered in the instant case by the district court must be vacated, and the case must be

remanded to that court for reconsideration and further proceedings.

       It is so ordered and the mandate shall issue forthwith.




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