Insurance — Homeowners — Res judicata — Where court granted summary judgment for insurer in insured’s initial breach of contract action, and appellate court affirmed, insured’s second action which was identical to first action, except that it alleged a greater amount of damages, was barred by res judicata — Intervening change in the law exception to res judicata was not applicable — Insured’s second lawsuit was not a supplemental claim where insured had undertaken no repairs to home