Blog

Insurance Coverage Analysis Should Never Stop at the Exclusion

Aug 02, 2026 By Chip Merlin

An Insurer Cannot Design a Lead Investigation Meant to Avoid Finding Lead

Aug 01, 2026 By Chip Merlin

Lead Does Not Disappear in the Smoke: What Scientific Research Is Finding Inside Standing Homes

Jul 31, 2026 By Chip Merlin

When the First Inspection Fails, the Policyholder Becomes the Adjuster

Jul 30, 2026 By Etienne Font & Javier Delgado

Cosmetic Damage Exclusion Revisited: The Eighth Circuit Gives New Meaning to “To the Same Extent”

Jul 29, 2026 By Chip Merlin

Follow the Claim System: The Discovery State Farm Wildfire Policyholders Need

Jul 29, 2026 By Chip Merlin

State Farm’s Wildfire Claim Playbook: The Rules Behind Smoke, Soot, Ash, and Valuation

Jul 28, 2026 By Chip Merlin

Chip Merlin’s View of Florida’s Insurance Marketplace: The Insurance Industry Is Healthy. Why Do Policyholders Still Feel Sick?

Jul 27, 2026 By Chip Merlin

The Hail Claim Playbook: Why State Farm’s Training May Become Exhibit A in Oklahoma

Jul 27, 2026 By Chip Merlin

Oklahoma’s Attorney General Sues While Florida Splits the File

Jul 26, 2026 By Chip Merlin

The One Church Decision Says Much About Appraisal and Claims Culture

Jul 25, 2026 By Chip Merlin

Causation Gets the Case to the Jury, Damages Experts Get the Insured Paid

Jul 24, 2026 By Stephanie Thompson and Stephanie Rowe