Safeco Insurance Co. v. Mobile Power and Light Co.
Alabama Supreme Court
810 So.2d 756 (2001)
Audrey and Brenda Loyd (plaintiffs) owned a home that was destroyed by a fire in 1996. There had been two previous fires in that home, one in 1994 and one earlier in 1996. After the 1994 fire, the Loyds hired Mobile Power and Light Company, Inc. (defendant) to repair the electrical system. After the repair, an inspector from the Mobile County Building Inspection Department examined the electrical system. The inspector had previously approved the overall plans, the type and size of the wire to be used, and the installation methods proposed. After the repair, the inspector tested the circuits and approved the activation of power to the Loyds’ home. The final inspection occurred in December of 1994. The Loyds hired a different company to perform the repair after the first fire in 1996, which involved replacing a fused disconnect. After the second fire in 1996, Safeco Insurance Company (plaintiff) paid out a claim under the Loyd’s homeowner’s insurance policy. Safeco hired an expert technical consultant to determine the cause of the fire. The expert testified that the fire was likely caused by one of three possible defects: (1) improper lug torque during installation, (2) mechanical failure of the screwed lug, or (3) thermal shrinkage of the conductor inside the lug. Safeco and the Loyds sued Mobile Power and Light. The inspector from the Mobile County Building Inspection Department testified that Mobile Power and Light’s work conformed to the National Electrical Code and did not breach any applicable standard of care. Mobile Power and Light filed a motion for summary judgment, which was granted. The court of appeals reversed, and Mobile Power and Light appealed to the Alabama Supreme Court.
Rule of Law
Holding and Reasoning (Moore, C.J.)
What to do next…
Unlock this case brief with a free (no-commitment) trial membership of Quimbee.
You’ll be in good company: Quimbee is one of the most widely used and trusted sites for law students, serving more than 723,000 law students since 2011. Some law schools—such as Yale, Berkeley, and Northwestern—even subscribe directly to Quimbee for all their law students.Unlock this case briefRead our student testimonials
Learn more about Quimbee’s unique (and proven) approach to achieving great grades at law school.
Quimbee is a company hell-bent on one thing: helping you get an “A” in every course you take in law school, so you can graduate at the top of your class and get a high-paying law job. We’re not just a study aid for law students; we’re the study aid for law students.Learn about our approachRead more about Quimbee
Here's why 723,000 law students have relied on our case briefs:
- Written by law professors and practitioners, not other law students. 45,500 briefs, keyed to 983 casebooks. Top-notch customer support.
- The right amount of information, includes the facts, issues, rule of law, holding and reasoning, and any concurrences and dissents.
- Access in your classes, works on your mobile and tablet. Massive library of related video lessons and high quality multiple-choice questions.
- Easy to use, uniform format for every case brief. Written in plain English, not in legalese. Our briefs summarize and simplify; they don’t just repeat the court’s language.