Researching the origins of the appraisal clause, I posted about one found in a 1793 property policy in An Appraisal Clause From 1793. I came across the same clause in a 1761 maritime policy that was found in a virtual Harvard library.
Continue Reading Appraisal Clause in 1761 Maritime Policy and Reflections on Fast Resolution of Controversies

It did not take long for part of the recent anti-policyholder legislation to be declared illegal. Last Friday, Chief U.S. District Judge Mark Walker heard arguments in a lawsuit filed by Gale Force Roofing and Restoration, LLC, that claims the portion of SB 76 that prevents contractors from advertising to encourage property owners to file roof-damage claims violated free speech protections. Judge Walker ruled in favor of Gale Force Roofing and issued an injunction stopping Florida officials from enforcing part of the bill.
Continue Reading Contractors and Roofers Can Advertise! Part of SB 76 Already Found Unconstitutional

Appraisal clauses, a common component of property insurance policies, set forth an alternative dispute resolution process by which the parties to an insurance contract can resolve disputes concerning the amount of a covered loss. While most property insurance policies’ appraisal clauses do not expressly set forth a time period to demand appraisal, waiver of the appraisal clause can occur if not timely invoked. Courts tasked with determining whether an appraisal clause was waived focus on whether the demand for appraisal was made within a “reasonable time.”
Continue Reading How Long Is Too Long To Demand Appraisal?

Policyholders should remain vigilant in confirming their property insurance policies are aligned with their current coverage needs – before disaster strikes. Tropical Storm Elsa will certainly not be the last bit of potentially threatening tropical activity during this year’s hurricane season. While Elsa was certainly not the strongest storm Florida has ever seen, it was another reminder of the heavy rains and winds these tropical storms and hurricanes can bring.
Continue Reading Tropical Storm Elsa Serves As Reminder To Address Any Coverage Gaps

Merlin Law Group supports the work public adjusters do for policyholders in helping them obtain justice on property insurance claims. As part of being The Policyholder’s Advocate™, our firm has developed several guides for individual states that public adjusters can reference for information on statutes and procedures.
Continue Reading Merlin Guides – Helpful State-By-State Resource for Public Adjusters