Chip Merlin

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Voss Law Firm Found Guilty of Fraud, Intentional Litigation Misconduct and A Pattern and Practice of Deficient Representation

I have written about the problem of the Voss Law Firm before in Policyholders Should Carefully Pick Their Lawyers — Voss Law Firm Loses Hundreds of Hurricane Lawsuits, and Is the Use of Runners and Cappers in Texas Going to Result in Prosecution of Lawyers and Public Adjusters. The problem with Voss is that they … Continue Reading

Few Judges and Insurance Regulators Worked in Property Claims: Understanding New Depreciation Rulings

Most judges and insurance regulators have never worked in property insurance claims departments. For that matter, few insurance attorneys have either (Merlin Law Group’s Javier Delgado worked his way through school as an independent adjuster). But, when I was starting out, an older and experienced GAB adjuster told me they never depreciated labor and the … Continue Reading

Insurance Commentary with Bill Wilson is a Good Insurance Coverage Read

Bill Wilson writes an excellent commentary about insurance. While Wilson’s discussion generally concerns what insurance product is sold and how it is sold, insurance coverage is always discussed. Wilson’s commentary reminds us that the heart of insurance sales and disputes is the depth and service of coverage afforded which transfers the financial risk of loss … Continue Reading

Contractors Need to Use Carefully Drafted Contracts and Not Practice Public Adjusting

I discussed the Lon Smith Roofing class action case against a contractor accused of practicing public adjusting in, Unauthorized Practice of Public Adjusting and the Lon Smith Roofing Case Should Scare Contractors and Roofers with Contingent Contracts. An appellate court reaffirmed the dangers contractors face when negotiating claims and benefits with insurance companies and contracting … Continue Reading

Trial Attorney Ryan Fowler Joins Merlin Law Group

Ryan Fowler wants to help people by becoming a great trial attorney. If you want to help people, Gerry Spence’s Trial Lawyer’s College is where you go to help ground your dedication to serving people through trial work. Merlin Law Group trial attorney, Mike Poli, attended this school. Ryan Fowler is joining us in the … Continue Reading

Super Lawyer Rene Sigman Joins Merlin Law Group in Texas

Rene Sigman first came to my attention in 2008 at a Hurricane Ike hearing in Galveston. I told Javier Delgado that “this lawyer has her act together.” I then watched as she headed-up Mostyn Law Firm’s litigation department, winning thousands of cases resulting from Hurricane Ike and then in New York following Superstorm Sandy. We … Continue Reading

Appraisers Agreeing Not To Include Issues of Loss May Render Policyholders with No Later Recovery

Appraisals can result in losing propositions for policyholders. I often teach that policyholders need to make certain that they do their best during appraisal and not expect a bad award to get overturned. Policyholders need very hardworking, honest, and knowledgeable persons selected as their appraisers.… Continue Reading

Cracks Caused by Construction Operations May Be Covered

Judges often make erroneous decisions based on the information presented and argued to them by the attorneys selected by the parties. I was thinking about this while writing my post, Experts Regarding Causation Can Be More Important Than Witnesses — or, Don’t Believe Your Lying Eyes When Your Insurance Company Hires an Expert.… Continue Reading

Experts Regarding Causation Can Be More Important Than Witnesses — or, Don’t Believe Your Lying Eyes When Your Insurance Company Hires an Expert

Insurance companies hire all kinds of experts to help them for all kinds of reasons. The problem is that some experts are not honest and never try to find the truth. The other problem is some policyholders or their under-financed attorneys do not hire experts or very good experts.… Continue Reading

Insurance Consultants and People Not Licensed as Public Adjusters Cannot Work on Property Insurance Claims

Florida law is significantly more specific about who may work on, aid in, or prepare a claim for a policyholder. Many insurance restoration contractors, all insurance consultants, and all those non-licensed third parties who help contractors, policyholders and public adjusters with insurance claims should get ready for a new way of doing business when a … Continue Reading
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