KOGAN, Justice.
This case is before us on three questions of Florida law certified by the United States Court of Appeals for the Eleventh Circuit. Grant v. New Hampshire Insurance Co., No. 91-5255 (11th Cir. Feb. 10, 1992). We have jurisdiction pursuant to article V, section 3(b)(6) of the Florida Constitution.
The following recitation of the undisputed facts as set forth by the Circuit Court of Appeals is necessary to place the certified questions...
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