Corey Harris and I will present a final discussion about proofs of loss, analyze a case about forfeiture of insurance benefits, and discuss claim implications from impending Tropical Storm Cristobal. This discussion will be held at 2 pm EST today. Continue Reading Proofs of Loss, Avoiding Forfeiture of Coverage Benefits, and Tropical Storm Cristobal — Check In with Chip Merlin and Corey Harris at 2PM

Want to learn a lot about how to handle and what to do with business income loss claims arising from the shut down of American business from Covid-19? Come listen to Amy Bach and I starting today at 12:30. So many attorneys and public adjusters are signing up claims and then asking me—“Chip, what do I do next with these claims? How do I determine if there is coverage? Should I file a lawsuit? What do I need to do before filing a lawsuit? Are there going to be class actions?” Continue Reading Insurance Industry Responses to Covid-19 and Proofs of Loss

Corey Harris

Corey Harris and I will be hosting the second discussion about Proofs Of Loss this Friday afternoon at 2 PM EST. Those viewers tuning in to the Livestream will also be invited to get our new Merlin Law Group educational ebook about Proofs of Loss. Continue Reading Does A Proof of Loss Have to Be Notarized? Join the Livestream Proof of Loss Discussion on Friday at 2PM EST

Insurance policies always have time deadlines to do something after a loss happens. The failure to follow these may prevent recovery. I will be discussing and answering questions about these policy time requirements over the next several weeks during our Tuesdays at 2 With Chip Merlin. Continue Reading Time Deadlines To Be Wary Of When Filing Property Insurance and Business Income Loss Claims—Do Not Miss Tuesday At 2 With Chip Merlin

Puerto Rico Hurricane Maria claims are not close to being finished. Now, we have major earthquakes impacting Puerto Rico. The worst example of poor treatment to policyholders following a hurricane catastrophe is found in Puerto Rico. It is sad and now numerous earthquakes are causing more damage and loss. Continue Reading Puerto Rico Earthquakes—Could Anything Happen At a Worse Time For Puerto Rico? What Should Those Suffering From Earthquake Damage in Puerto Rico Do?

When I wrote my first blog on this site in 2009, I discussed proofs of loss at length. Since Hurricane Michael, these blogs have received a lot of traffic and discussion from people trying to navigate their way through the claims process. An issue that keeps coming up is whether a policyholder must comply with a proof of loss request after the insurer has admitted coverage and made payment. Continue Reading A Follow-Up on Proofs of Loss

A relatively inexperienced attorney from another law firm asked in an open forum whether a Category 5 hurricane mandates that no hurricane deductible can be applied and if Hurricane Michael policyholders can get a return of their hurricane deductible. Corey Harris has been involved in hurricane work with our firm since 2005. He quickly replied that the deductible is going to be returned only if the Easter Bunny is bringing a present. Continue Reading Hurricane Michael Rumor—Category 5 Status and Deductible Refunds

As I noted in my previous blog, Business Interruption Will Play Big Role in Rebuilding the U.S. Virgin Islands After Irma, the devastation caused by Hurricane Irma in the U.S. Virgin Islands is staggering. To make matters worse, the powerful northeast eyewall of Hurricane Maria is now bearing down on the islands with what are expected to be Category 4 strength winds. The government is urging non-essential personnel to get out while there is still time. With safe structures being almost non-existent, we pray those in St. Thomas and St. John will heed these warnings. Continue Reading Time Limitations in Virgin Islands Insurance Claims After Hurricane Irma

The U.S. Virgin Islands holds a special place in my family’s heart. Nothing makes my wife Ashley and I happier than a sail full of trade winds carrying us to the next secluded cove or rowdy beach bar. While most of the national media focused on Hurricane Irma’s trek toward Florida, it is now clear that St. Thomas and St. John took the brunt of the storm while still a Category 5. Continue Reading Business Interruption Will Play Big Role in Rebuilding the U.S. Virgin Islands After Irma