Affirmed. Hartnett v. Southern Ins. Co., 181 So.2d 524 (Fla.1965); Saskatchewan Government Ins. Office Co. v. Padgett, 245 F.2d 48 (5th Cir. 1957); American Automo*1010bile Ins. Co. v. Pajor, 316 So.2d 612 (Fla. 4th DCA 1975); 18 Fla.Jur. Insurance § 455 (1971); see Floyd v. First Equities Life Ins. Co., 364 So.2d 514 (Fla. 3d DCA 1978).