Based on the parties’ responses to this court’s April 27, 1995, order to show cause, we reverse the summary judgment entered by the trial court, and remand for further proceedings consistent with the holdings in Grant v. State Farm Fire & Casualty Co., 638 So.2d 936 (Fla. 1994), State Farm Fire & Casualty Co. v. Petersen, 638 So.2d 938 (Fla. 1994), as well as any other applicable case law.