NY-00 19722 EFTA_00 167468 EFTA01295735 Page 103 2015 U.S. Dist. LEXIS 86119, * v. Mutual of Omaha Ins. Co., 49 Ala. App. 214.270 So. 2d 87.90 (Ala. Civ. App. 1972) (similar). The Brown-Marx panel distinguished between claims for breach of an obligation expressly set forth in the contract (which are