N.A. v. First State Ins. Co., 899 F.2d 1045, 1059 (11th Cir. 1990). 19 Jim Walter Homes and Jim Short Ford Sales were overruled on other grounds by State Farm Fire and Casualty Co. v. Owen, 729 So. al 634, 838-42 (Ala. 1998). where the Alabama Supreme Court held that the duty to disclose is a question of law to be determined b