The President of the United States and the Insurance Commissioner of Louisiana have come out publicly asking insurance companies to pay for customers’ increased living expenses under their homeowners policies. The editors of the FC&S recently published an opinion supporting these requests.
Continue Reading Hurricane Ida Additional Living Expense Coverage Supported By FC&S Editors

The Policy: Plaintiffs, Frymire Home Services, Inc. and Whitfield Capital LLC (collectively “Plaintiffs”), purchased a commercial policy for their office building in Dallas, Texas from Defendant Ohio Security Insurance Company (“OSIC”). The policy explicitly covered “windstorm and hail” losses but excluded “cosmetic” damage to the roof as well as the standard insurer defense for non-payment—“wear and tear.”
Continue Reading “Wear and Tear” or “Wind and Hail” or Both: Fifth Circuit Certifies Questions to Texas Supreme Court Regarding the Doctrine of Concurrent Causation

The Office of the Montana Commissioner of Securities and Insurance (CSI) is responsible for regulating the state’s insurance industry. One of the ways it accomplishes this mission is by “serv[ing] as the official advocate for Montana consumers in disputes with their insurance company.”1 If you live in Montana and think that your insurance claim or policy has been delayed, wrongly denied, or deliberately underpaid, you can file a complaint with CSI and request an investigation into the matter.
Continue Reading How to File a Complaint with the Montana State Auditor’s Insurance Department

For those who may own a mobile or manufactured home, purchasing insurance for your home is a necessary path to ensuring that your property is protected in the event of a loss. Just to clarify, whether such property is classified as a “mobile home” or “manufactured home” is insignificant for purposes of this blog post as the terms are relatively synonymous. The term “mobile home” is the more traditional classification, whereas the term “manufactured home” was born after new construction industry safety standards were mandated in 1976.1
Continue Reading The Auto-Treatment of Mobile Home Insurance Policies and their Ramifications: Do Not Let Your Insurance Company Roll Away with Both Your Claim and Home

Anybody who joined me for our Hurricane Ida webinar yesterday could tell that Steve Mullins is an aggressive and experienced property insurance advocate. Steve was born in New Orleans and is the eldest son of Louisiana parents. Steve grew up in Baton Rouge, Louisiana, and along the Mississippi Gulf Coast in Ocean Springs. He is a proud graduate of Ocean Springs High School, where he was active in football, student government, and all sorts of fun that is available when you live along the Mississippi Gulf Coast. I know about those fun things because I lived in Waveland, Mississippi, for three of my best formative years.
Continue Reading Steve Mullins With Louisiana, Mississippi, and Alabama Ties Joins Merlin Law Group

The Mississippi Insurance Department (MID) seeks to “impartially enforce the laws and regulations” relating to the insurance industry.1 It does this in part by reviewing and investigating consumer complaints about their insurance companies and agents. If you live in Mississippi and think that your insurance claim or policy has been delayed, wrongly denied, or deliberately underpaid, you can file a complaint with LDI and request an investigation into the matter.
Continue Reading How to File a Complaint with the Mississippi Insurance Department

Although there are many factors that may affect coverage for flood claims under the Standard Flood Insurance Policy (“SFIP”) forms, coverage issues typically fall into two categories: 1) is the property for which a claim is being made considered “covered property” under the policy; and 2) has there been “direct physical loss by or from flood.
Continue Reading Flood Claims – Understanding What Constitutes a Covered Loss in a Standard Flood Insurance Policy

In a Puerto Rico Hurricane Michael case involving a Zurich Insurance Company providing a policy to a Louisiana policyholder, an alleged delayed payment resulted in attorneys for Zurich arguing that they could delay owed payments for various excuses. The first issue was what a proof of loss meant under Louisiana law.
Continue Reading Proof Of Loss is Different Under Louisiana Law—Should You Be Insured by a Slow and Underpaying Insurance Company?

Lucas H. Morehouse has joined Merlin Law Group’s New Orleans office. Morehouse is a native of Louisiana and originally from New Orleans. He received his undergraduate degree from Louisiana State University, where he double-majored in History and Political Science. Then, he stayed in Baton Rouge and received his Law Degree from the Paul M. Hebert Law Center at Louisiana State University. Lucas is a proud Louisiana Tigers fan.
Continue Reading Louisiana Attorney Lucas Morehouse Joins Merlin Law Group