Opinion ID: 1667733
Heading Depth: 1
Heading Rank: 5

Heading: Bad FaithReplacement Cost

Text: In a normal case, such as this one, to prevail on a claim based on bad faith refusal to pay, the plaintiff must be entitled to a directed verdict on the underlying contract claim. Kizziah v. Golden Rule Insurance Co., 536 So.2d 943 (Ala. 1988); Payne v. Nationwide Mutual Insurance Co., 456 So.2d 34 (Ala.1984). Although this case involves a summary judgment, not a directed verdict, the standards of review for both are essentially the same. See Kizziah v. Golden Rule Insurance Co., supra. Having affirmed Allstate's summary judgment as to the Hilleys' breach of contract claim with regard to replacement cost, we must also affirm that summary judgment as to the Hilleys' bad faith claim with regard to replacement cost. See Strickland v. Alabama Farm Bureau Mutual Cas. Ins. Co., 502 So.2d 349 (Ala. 1987); Madison County Sheriff's Posse, Inc. v. Horseman's United Ass'n, Inc., 434 So.2d 1387 (Ala.1983).