RESTORATION CFL v. STATE FARM FLORIDA INSURANCE COMPANY (2016)

Restoration 1 CFL (“Restoration”), a/a/o I. Joy White (“White”), appeals the trial court's order granting final summary judgment on behalf of State Farm Florida Insurance Company (“State Farm”). State Farm contends that the assignment of benefits from White to Restoration transferred the right to collect benefits but not the right to participate in a suit to determine coverage under the policy regarding those benefits. The trial court determined that the assignment was not valid because White intended to retain control of her rights, basing its conclusion largely upon statements made by White during a deposition. For the following reasons, we reverse.

First, we conclude that the assignment of benefits from White to Restoration is clear and unambiguous. Therefore, it was error to allow introduction of extrinsic evidence to determine the meaning of the agreement. See, e.g., King v. Bray, 867 So.2d 1224, 1226 (Fla. 5th DCA 2004) (“[T]he party seeking to introduce parol evidence must establish that the document is ambiguous and in need of interpretation.”). Accordingly, White's deposition testimony regarding her interpretation of the assignment should not have been considered by the trial court.

We further conclude that the assignment of insurance benefits transferred to the assignee, Restoration, standing to litigate the coverage issue raised by State Farm when it denied the claim. See Bioscience W., Inc. v. Gulfstream Prop. & Cas. Ins. Co., 185 So.3d 638, 641 (Fla. 2d DCA 2016); United Water Restoration Grp., Inc. v. State Farm Fla. Ins. Co., 173 So.3d 1025, 1026 (Fla. 1st DCA 2015). Because Restoration had standing to participate in the suit to determine coverage under the policy for the benefits assigned, it was error for the trial court to grant State Farm's motion for summary judgment. We therefore reverse and remand this case for further proceedings consistent with this opinion.

REVERSED and REMANDED.

PER CURIAM.

SAWAYA, COHEN and LAMBERT, JJ., concur.