Baldwin Mutual Insurance Co. v. Edwards

LYONS, Justice.

Baldwin Mutual Insurance Company, Inc. (“Baldwin Mutual”), appeals from the Mobile Circuit Court’s certification of a class action against it. We reverse and remand.

Factual Background and Procedural History

Dean Edwards sued Baldwin Mutual on July 12, 2007, asserting a breaeh-of-eon-tract claim. Specifically, Edwards stated that, in August 2005, his house was damaged by Hurricane Katrina and that Baldwin Mutual was his homeowner’s insurer at the time. Edwards alleged that, under his homeowner’s policy with Baldwin Mutual, he was entitled to recover the “actual cash value” of his…