Blog

One Year Later: What the Altadena and Palisades Fires Really Taught Us About Smoke, Contamination, and Claims

Jan 08, 2026 By Derek Chaiken

One Year After the Wildfires and the Real Insurance Fire Still Burns

Jan 07, 2026 By Chip Merlin

RoofCON a Big Hit—USAA a Winner!

Jan 06, 2026 By Chip Merlin

Wildfires, Frustration, and the Question Everyone Is Asking: What Really Happens Next?

Jan 05, 2026 By Chip Merlin

Can an Insurer Demand Multiple Proofs of Loss? A Partial Proof May Be Enough

Jan 04, 2026 By Chip Merlin

Contractors and Roofers “No Out of Pocket” Promises Are Backfiring

Jan 03, 2026 By Chip Merlin

Reading Between the Lines of California’s $22.4 Billion Wildfire Claims Announcement

Jan 02, 2026 By Chip Merlin

Risk Scores, Wildfires, and the Quiet Remaking of Property Insurance

Jan 01, 2026 By Chip Merlin

Fortuity Reconsidered: Why an Unwritten Doctrine Still Haunts Property Insurance

Dec 31, 2025 By Chip Merlin

Is a Crack to an Opal a Fortuitous Loss?

Dec 30, 2025 By Chip Merlin

The First Discussion of Fortuity by an American Court

Dec 29, 2025 By Chip Merlin

The Basics of All Risk Insurance and Fortuity

Dec 28, 2025 By Chip Merlin