Our pledge is to provide competent, creative and honest legal counsel, service, and advocacy to policyholders and claimants.
Joined March 2012
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When it comes to #ClaimsHandling, can technology replace field experience? Etienne Font and Javier Delgado explore how the industry's growing "inspection gap" is affecting claim outcomes. Read more in @CJournal: hubs.ly/Q04lg0w_0.
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Could #AI influence your homeowners' insurance coverage? š¤
A recent @USNews article featuring Chip Merlin explained what policyholders should know as insurers increasingly rely on AI and remote assessments: hubs.ly/Q04l8dBV0.
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A business lost more than one million to a vendor impersonation scam and recovered only $100,000 from its insurer. The problem was not the theft. It was the coverage.
Learn why every business should review its cyber and crime policies. hubs.ly/Q04kC7BY0
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#Wildfire smoke can cause major losses for #wineries, even without direct fire damage. š· In @ITLupdates, Victor Jacobellis discusses how smoke exposure can affect grape quality and lead to insurance disputes over when the damage occurred. Read more: hubs.ly/Q04kvNPR0.
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Merlin Law Group is proud to be recognized in the 2026 #ChambersUSA Guide.
Congrats to Jon Bukowski and Drew Houghton on their individual rankings, and to our OK team on its recognition in the Insurance category.
We appreciate the clients and colleagues who made this possible.
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For years, fraud has been blamed for insurance market problems. But Hurricane Milton data suggests fraud was almost nonexistent while thousands of claims were closed over valuation issues. Is claim undervaluation the real crisis?
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The insurance industry often blames fraud for rising costs. But Florida Hurricane Milton data shows only 18 fraud-related claim closures among tens of thousands of unpaid claims. What do the numbers actually tell us? bit.ly/4xmXhES
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California homeowners are fireproofing their homes, yet still losing insurance coverage. #SB1076 would have required insurers to cover fire-safe homes. Instead, the bill failed, marking the fourth failed attempt since 2020. As wildfire season looms, policyholders need reform.
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A railroad prevented Hurricane Irma damage, then faced a coverage denial because the damage never happened. The Eleventh Circuitās ruling shows why mitigation, preservation clauses, and deductible wording matter. bit.ly/435NIw7
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The Portofino appraisal dispute is now before the Eleventh Circuit.
Can courts look behind an appraisal award and scrutinize the appraisal process itself? The answer could reshape property insurance appraisal disputes for years to come.
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AI is increasingly inspecting roofs and influencing insurance coverage decisions without a human ever visiting the property. See why regulatory oversight is becoming even more important. bit.ly/43bUEI2
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June marks the start of #HurricaneSeason, but #CoverageDecisions are often decided before a storm even hits. Homeowners in FL, TX, OK, & LA, prepare by:
ā¢ Reviewing your policy
ā¢ Understanding key terms
ā¢ Documenting your property
ā¢ Preparing an emergency plan
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The fight over anti-public adjuster endorsements just escalated. SMW has responded to Velocity's motion to dismiss and is seeking discovery into the insurer's use of these endorsements. Read Chip Merlin's analysis. hubs.ly/Q04jlN_g0
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#HurricaneSeason is near. šŖļø Chip Merlin joined @FOX13News Tampa Bay with 3 questions every homeowner should ask before the next storm:
1ļøā£ Is my coverage enough to rebuild?
2ļøā£ Any hidden policy gaps?
3ļøā£ Can I afford my deductible?
Watch Chip's interview š hubs.ly/Q04jhbbs0
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Where did the term ālowballingā come from? A recent Safeco case explores how the phrase became tied to insurance bad faith allegations and unfair claim payments. hubs.ly/Q04jdNLv0
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An April #Hailstorm may become Greater Clevelandās costliest natural disaster in years. Property owners are still recovering from widespread damage and navigating complex claims. Merlin Law Groupās alliance with Rutter & Russin supports #OhioPolicyholders through recovery.
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One Oklahoma hail claim has become a major fight over State Farm, consumer protection, and the Attorney Generalās power to address alleged systemic claims misconduct.
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A new federal lawsuit challenges insurance policy endorsements that allegedly prohibit policyholders from hiring public adjusters without risking coverage. If upheld, these endorsements could reshape claims handling practices.
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A California court reversed State Farmās water damage denial and limited the reach of the genuine dispute defense. The ruling is a major reminder that insurers must fairly investigate before denying pipe leak claims. hubs.ly/Q04hY9b40
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This Memorial Day, we honor the courage, service, and selflessness of those who defended our freedoms. Today and always, we remember.
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