Chip Merlin

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Appraisals: A Comment on the Scott deLuise Post Regarding Colorado Appraisals and Failed Colorado Appraisal Legislation

American politics and government can make people extraordinarily upset. The very nature of democracy, modern regulation, those being regulated and those regulating promotes active and emotional disagreements of what is the best public policy and how it should be determined. So, my first observation from yesterday’s post, Colorado House Bill 18-1153 Concerning Appraisals for Insurance … Continue Reading

Proof of Loss Rules in Kentucky

Proof of loss rules are not what I normally think about Kentucky. Kentucky usually makes me think of beautiful rolling hills, great basketball, fast horses and the Kentucky Derby. But, we recently had some questions about proof of loss in Kentucky and thought we would share our findings.… Continue Reading

Does Smoke Damage Electrical Gadgets, Computers or Apparatus?

Fires, and especially the recent California wildfires, are going to raise questions related to the long-term impact of fire, smoke, and the effects of smoke particulates on electrical gadgets, computers, and apparatus. We live in a day when computers and small computer chips are in virtually everything electrical or mechanical. It is an obvious question … Continue Reading

2017 Hurricane Season Recap

The Ruskin National Weather Service in conjunction with the Port Heavy Weather Advisory Group, which covers West Florida, published the attached recap of the 2017 Hurricane Season. I thought it was a great summary of what happened and discusses the major storms we faced during the 2017 Hurricane Season. The summary warns that La Niña … Continue Reading

California Wildfire Victims and Policyholders Need Information About Their Claims Rights

All states have unique insurance laws following disasters. Many important rights and options are not contained in the insurance contract. California wildfire victims and policyholders are discovering first-hand that some insurance adjusters are not being honest or upfront regarding their rights following the 2017 wildfires.… Continue Reading

Nationwide Insurance Adjuster Mistakes Flowers for Pot—Nationwide Insurance Policyholders Wrongfully Arrested

Nationwide Insurance Company claims managers may need to add botany and common-sense training to their claims education program. A Nationwide claims specialist sent photos of hibiscus plants to police indicating that Nationwide policyholders with a fallen tree loss were growing marijuana. The Nationwide policyholders look straight out of central casting as the “perfect aging couple” … Continue Reading

The Best Hurricane Insurance Seminar Regarding Hurricanes Irma and Maria—Seriously, This Is The Best!

Have you noticed that some seminars have just a few speakers and they are not in the middle of the issues, but pretenders? Harris Martin Publishers asked me to co-chair a Hurricane Maria and Hurricane Irma seminar and if you are an insurance attorney, public adjuster, insurance claims manager or governmental counsel with FEMA claims, … Continue Reading

Insurance Catastrophe Claims Often Deserve a Second Opinion and Possibly a Legal Opinion

Barry Zalma recently wrote an excellent article, Claims in a Catastrophe, in the The CPA Journal. Zalma is a very experienced property insurance attorney. He is a prolific writer of articles and books involving property insurance claims. To all policyholders having felt the impact of 2017 catastrophe claims, one important point in Zalma’s article is … Continue Reading

Insurance Appraisal—The Law and Procedure

The Law and Procedure of Insurance Appraisal is a fantastic work by Jonathan Wilkofsky. It is in its third edition and 1,400 pages explaining in full everything a property insurance practitioner would want to know about the topic. Here is a video of Jonathan describing the benefits of his treatise:… Continue Reading

Hurricane Irma Closed Claim Statistics Questioned

The Florida Senate Banking and Insurance Committee held a public hearing last Tuesday. The video above is my very brief testimony at the hearing where I questioned the Hurricane Irma Closed Claim statistics provided by Florida’s Insurance Commissioner, David Altmaier. The Commissioner was a math teacher before joining the Office of Insurance Regulation. I have … Continue Reading

Hurricane Irma Policyholders Should File a Written Complaint About Slow, No or Low Paying Claims Insurance Adjusters

Amy Bach of United Policyholders and Paula Palozzi, Associate Director of the Rhode Island Department of Business Regulation, Insurance Division, held a seminar at the First Party Claims Conference and called on aggrieved policyholders to file written complaints with departments of insurance. Palozzi explained that when insurance companies pay too little, a written complaint about … Continue Reading
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