ATLANTA - An insurer does not owe coverage to an insured for an underlying suit alleging that the insured sent unwanted fax ads because the policies' exclusion for "sending of materials" is not ambiguous or in violation of Florida law, the 11th Circuit U.S. Court of Appeals said April 15 (Interline Brands Inc., et al. v. Chartis Specialty Insurance Co., f/k/a American International Specialty Lines Insurance Co., No. 13-10025, 11th Cir.; 2014 U.S. App. LEXIS 6945).