Baldwin Mutual Insurance Company v. Melissa Adair

Summary

The Alabama Supreme Court reversed the circuit court's April 2011 order, holding that insureds must satisfy their post‑loss obligations before invoking the appraisal clause and that a genuine disagreement over the loss amount is required to trigger appraisal; the case is remanded for further proceedings. Justice Moore dissented, arguing the policies do not make post‑loss duties a condition precedent and would have affirmed the lower court.