ARROW PROPERTY INSURANCE ADJUSTERS, INC.
v.
PEOPLE'S TRUST INSURANCE COMPANY

Fla. 3d DCA | 2024-02-07
No. 2022-2162
357 So. 3d 182 Florida District Court of Appeal, Third District (2024) Caution
Cited by 140 cases

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Holding

Extrinsic evidence cannot be admitted to interpret a contract unless the words used are unclear and create an ambiguity on the face of the contract itself.


Headnotes

[1] Extrinsic evidence may only be admitted to interpret contract language when the words themselves are unclear and create an ambiguity on the face of the contract; such evi…

[2] A contractual phrase is ambiguous only when it is of uncertain meaning and may be fairly understood in more ways than one.

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Key Quotes

“It is axiomatic that 'extrinsic evidence . . . should not be used to introduce [a contractual] ambiguity where none exists.'”

The court's primary statement of the rule governing use of extrinsic evidence in contract interpretation.

Facts & Procedural History

Arrow Property Insurance Adjusters, Inc. appealed a circuit court decision in Miami-Dade County regarding a contractual dispute with People's Trust In…

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Opinion of the Court

PER CURIAM.

Affirmed. See EcoVirux, LLC v. BioPledge, LLC, 357 So. 3d 182, 187 (Fla. 3d DCA 2022) (“It is axiomatic that ‘extrinsic evidence . . . should not be used to introduce [a contractual] ambiguity where none exists.’”) (quotation omitted); Emergency Assocs. of Tampa, P.A. v. Sassano, 664 So. 2d 1000, 1002 (Fla. 2d DCA1995) (“It is a fundamental tenet of contract law that a ‘phrase in a contract is “ambiguous” only when it is of uncertain meaning, and may be fairly understood in more ways than one.’” Friedman v. Virginia Metal Prods. Corp., 56 So. 2d 515, 517 (Fla.1952)). In the event of such an ambiguity, a trial court is authorized to admit parol evidence to explain the words used and how the contracting parties intended them to be interpreted. Joseph U. Moore, Inc. v. Howard, 534 So. 2d 935 (Fla. 2d DCA 1988). However, before a trial court can consider such extrinsic evidence in interpreting a contract, the words used must be unclear such that an ambiguity exists on the face of the contract. Boat Town U.S.A., Inc. v. Mercury Marine Div. of Brunswick Corp., 364 So. 2d 15 (Fla. 4th DCA 1978).”) (emphasis added); Webster v. Ocean Reef Cmty. Ass’n, Inc., 994 So. 2d 367, 370 (Fla. 3d DCA 2008) (“In the case of competing interpretations of the words used in the articles of incorporation at issue here, any ambiguity is to be construed against the Association as the drafter.”) (quoting Vargas v. Schweitzer–Ramras, 878 So. 2d 415, 417 (Fla. 3d DCA 2004)).


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Citator

Cited By (74 total)

  • …Judge. The Diener Firm, P.A., and Erik D. Diener (Plantation), for appellant. Cole, Scott & Kissane, P.A., and Daniel J. Maher, for appellee. Before LOGUE, C.J., and EMAS and BOKOR, JJ. PER CURIAM. Affirmed. See EcoVirux, LLC v. BioPledge, LLC, 357 So. 3d 182, 187 (Fla. 3d DCA 2022) (“It is axiomatic that ‘extrinsic evidence . . . should not be used to introduce [a contractual] ambiguity where none exists.’”) (quotation omitted); Emergency Assocs. of Tampa, P.A. v. Sassano, 664 So. 2d 1000, 1002 (Fla…
  • Laufer v. Norma Fashions, Inc., 418 So. 2d 437 (Fla. 3d DCA 1982)
  • Jaar v. The Univ. OF Miami, 474 So. 2d 239 (Fla. 3d DCA 1985)

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