Buildings and Roofs Not In "Reasonable Condition" Are Still Covered for...
Insurance companies insure all kinds of buildings in all sorts of conditions. Insurers that decide to insure older structures and buildings with older roofs in various states of wear and tear love to...
View ArticleMerlin Law Group Wins Hailstorm Trial Against Travelers--Hard Work Pays Off!!
I was crying as the verdict was read in the Phoenix federal district courthouse. So was my client. We won a very hard fought multi-million dollar hailstorm trial against Travelers. It came only...
View ArticleInsurance Company Claims People Are Important
Insurance company claims adjusters and claims managers are most important people. Their jobs are not easy and the stakes of their decisions can be very high. My post yesterday, Merlin Law Group Wins...
View ArticleCalifornia Insurable Interest and the Merlin Law Blog Search Function
Last week's post by Chase Mathis about California Insurable Interest made me think, "we've written about Insurable interest issues in California before." So, I did something that I suggest others do...
View ArticleHow Do We Get Better and Be the Best at Helping Policyholders?
I often give speeches and challenge those in the audience to better themselves through education and joining with others in endeavors so that, by mutual experience, the best practices can be copied for...
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A Special Father's Day as Diane Swerling Becomes NAPIA's President
Fathers love to see their children flourish and live a meaningful life. We all keep an extra eye out for our daughters. Every father watching Diane Swerling's induction as President of the National...
View ArticleUnauthorized Practice of Public Adjusting Trends
Unauthorized Practice of Public Adjusting (UPPA) has become the predominant discussion among public adjusters at virtually every public adjuster association meeting I attend. Brian Goodman, general...
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Insurance Company Representative Says Merlin Law Group Las Vegas Seminar...
Why should I go to Chip Merlin’s Las Vegas public adjuster seminar in August? A number of public adjusters understandably have asked this question, but an insurance company adjuster who publicly...
View ArticleDo Not Gamble on Being Ignorant About Depreciation of Labor--The MERLIN Las...
Some insurance companies seem to be in a race to the bottom by searching and questioning every possible way to pay their customers less following a loss. Taking depreciation on labor charges is a...
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Christina Phillips Becomes Chair of the ABA Property Insurance Law Subcommittee
Christina Phillips justly received an honor that has eluded me. At the American Bar Association's Annual Convention this weekend in San Francisco, Christina became the Chair of the Property Insurance...
View ArticleLouisiana Flood Insurance Claims - Secrets That Flood Adjusters Will Not Tell...
“I am here to help you and get you everything you deserve to get.” That is the script and the first lie Louisiana flood insurance adjusters will say. They will not tell this dirty secret to any flood...
View Article"Ten Tips for Flood Insurance Claims"
Were you preparing for a flood from Hurricane Hermine that hit with some warning or even if it surprised you, most flood policyholders are in the same position: “Where do I go from here and what do I...
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Sean Shaw Wins Election
Last Tuesday night, I held my head in my hands almost crying after Sean Shaw confirmed he won election to Florida's House of Representatives by a little more than a hundred votes. I could see the...
View Article60 Day Time Limit to Make Louisiana and Florida Flood Claims
Louisiana and Florida have suffered severe flood disasters. A second disaster may occur if the Federal Government does not extend the 60-day time limit for filing flood insurance claim forms and a...
View ArticleFEMA Provides Extension for Louisiana Policyholders to file Flood Claims
Mathew is my favorite gospel. One of my favorite verses reads something like this: "Ask and it will be given to you; seek and you will find; knock and the door will be opened to you." So, last week, I...
View ArticlePublic Adjusters in the Bahamas
Public adjusters have been calling our Florida offices regarding Hurricane Matthew. One of the frequent questions asked is if they can practice public adjusting in the Bahamas. Only the Almighty knows...
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Jeff Diamond Talks About Considerations Public Adjusters Should Remember to...
Jeff Diamond is a very good insurance lawyer. I was in the audience of the Georgia Association of Public Insurance Adjusters (GAPIA) yesterday when Diamond gave a speech about how public adjusters can...
View ArticleHow Many Deductibles for Multiple Loss Locations--Using FC&S to Help Judges...
Many commercial property owners and investors hit by Hurricane Matthew may insure multiple buildings under one policy. Depending on the insurance coverage form, one or multiple deductibles may apply. I...
View ArticleCosmetic and Functional Damage - An Academic Discussion by Neil Hall
Insurance companies have turned the property insurance world upside down by denying claims based on engineers who claim that no "functional damage" occurred and only "cosmetic damage" was sustained at...
View ArticleColorado Hail Storm Seminar
Colorado Springs was hit by epic hail storms this past July. Reports noted tennis ball size hail and citizens shoveling away hail as if it were a snowstorm. A massive number of hail storm insurance...
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