             Case: 19-12257   Date Filed: 03/12/2020   Page: 1 of 4



                                                       [DO NOT PUBLISH]



              IN THE UNITED STATES COURT OF APPEALS

                       FOR THE ELEVENTH CIRCUIT
                         ________________________

                               No. 19-12257
                           Non-Argument Calendar
                         ________________________

                      D.C. Docket No. 9:17-cv-80213-KAM



MT. HAWLEY INSURANCE COMPANY,

                                   Plaintiff - Counter Defendant - Appellant,

versus

ARTHUR R. ROEBUCK, III,
PATRICIA R. SWINDLE,
Trustee, d.b.a. Jupiter West Plaza,
SCRIBE ENTERPRISES, INC.,
d.b.a. Jupiter West Plaza,
RIVIERA TRADING AND MARKETING, INC.,
d.b.a. Jupiter West Plaza,

                                   Defendants - Counter Claimants - Appellees,


LESLIE J. FRYE, II,

                                    Defendant - Appellee.
                 Case: 19-12257   Date Filed: 03/12/2020    Page: 2 of 4



                             ________________________

                     Appeal from the United States District Court
                         for the Southern District of Florida
                           ________________________

                                   (March 12, 2020)

Before ED CARNES, Chief Judge, WILSON, and ANDERSON, Circuit Judges.

PER CURIAM:

         Mt. Hawley Insurance Company appeals the district court’s grant of partial

summary judgment to Arthur Roebuck, Patricia Swindle, Scribe Enterprises, Inc.,

and Riviera Trading and Marketing, Inc. Mt. Hawley provided all of them with an

insurance policy on a shopping center that they jointly owned. After the insureds

were sued by a man who was stabbed in the parking lot of their shopping center,

Mt. Hawley initiated this declaratory action asking the district court to hold that it

did not have to defend or indemnify them in the underlying lawsuit. Mt. Hawley

and the insureds filed cross-motions for summary judgment.

         Mt. Hawley argues that it had no duty to defend because the underlying

claims fall under an endorsement to the policy, and the endorsement requires the

insureds to meet conditions precedent to receive coverage. Because it is

undisputed that they did not meet the conditions precedent, Mt. Hawley argues, it

owes no duty to defend. The defendants argue that the endorsement does not

apply.


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       The district court found that, under Florida law,1 a duty to defend “depends

solely on the facts and legal theories alleged in the pleadings and claims against the

insured.” Dist. Ct. Order at 18 (April 12, 2019) (quoting Stephens v. Mid-

Continent Cas. Co., 749 F.3d 1318, 1323 (11th Cir. 2014)). And it found that “an

insurer is obligated to defend a claim even if it is uncertain whether coverage exists

under the policy.” Id. Finally, the court found that it was unclear from the

underlying complaint — that is, the complaint that the man who was stabbed made

against the insureds — whether those claims triggered the endorsement requiring

the conditions precedent, which would mean coverage did not exist, or whether the

claims fell under the regular personal injury policy, which would mean coverage

did exist. Because it was uncertain whether coverage existed under the policy, the

court granted the insured’s motion for partial summary judgment and held that Mt.

Hawley had a continuing duty to defend. 2

       Mt. Hawley appeals, asserting the same arguments that it did below. After a

de novo review, see Whatley v. CNA Ins. Cos., 189 F.3d 1310, 1313 (11th Cir.

1999), we agree with the district court that it is unclear whether, based on the facts




       1
          It is undisputed that Florida law controls.
       2
          The district court also found that it would be premature to decide whether Mt. Hawley
had a duty to indemnify the insureds until after the underlying claims were finally resolved. It
ordered the case closed for administrative purposes and instructed the parties to move to reopen
the case “when the issue of a duty to indemnify becomes ripe.” Mt. Hawley does not contest that
part of the decision.
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alleged in the underlying complaint, coverage exists. We therefore affirm based on

the well-reasoned opinion of the district court.

      AFFIRMED.




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