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Liberty Ritchie grew up in Provo, Utah, but moved to Oklahoma when she was 14 and has called Oklahoma home ever since. Less than a year after she moved to the state, Moore, Oklahoma was devastated by an EF5 tornado. Liberty and her family volunteered for cleanup efforts in the storm’s aftermath. It was the first time she witnessed the destruction and very real human cost of a natural disaster. The experience made a lasting impression on her and later sparked her interest in first-party property insurance litigation.

As an adoptee, Liberty was exposed to the legal world at a young age through the adoption process. She saw the power the law had to change lives and decided early on she wanted to learn to use it for good. In pursuit of this goal, she attended the University of Oklahoma, her stepfather’s alma mater. During her time at the University of Oklahoma, she rushed Alpha Chi Omega and participated in numerous fundraisers and events in support of their philanthropy, which focuses on domestic violence awareness and prevention. Her involvement further solidified her desire to learn how to use the law to help people in their most vulnerable moments.

After graduating from the University of Oklahoma in 2019 with a bachelor’s degree in Political Science, Liberty attended the University of Oklahoma College of Law. There, she served as an Assistant Managing Editor for the American Indian Law Review, where she researched the effect recent judicial decisions interpreting the Indian Child Welfare Act had on adoptees and their families. During her first year of law school, she worked for a family law firm and volunteered with Oklahoma Legal Aid to connect low-income individuals with free legal services. In May 2021, she joined Merlin’s OKC office as a law clerk, where she was immediately drawn to the firm’s collaborative, client-first approach. She also loves the inclusive, supportive culture of the firm, and that her coworkers championed her and her success the same way they do that of their clients. So, after graduating from law school with honors in the top ten percent of her class and passing the bar, Liberty was thrilled to join Merlin Law Group’s OKC team full-time as an attorney. Her favorite part of the job is interacting with policyholders, but she also enjoys drafting briefs and conducting research to help her team make winning legal arguments. Every day, Merlin Law provides her with the opportunity she had been looking for to use her legal knowledge to advocate for people when they need it most.

The Tennessee Department of Commerce and Insurance (“TDCI”) “regulates and licenses both individuals and corporations, assesses suspicions of fraud, and provides resources to . . . citizens of Tennessee.”1 One way the TDCI does this is by investigating consumer complaints against insurance companies, agents, and agencies.
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The Division of Insurance in South Dakota’s Department of Labor and Regulation (“SDDOI”) seeks to “protect the public and make insurance available and affordable.”1 One of its main functions is to answer consumer questions and investigate consumer complaints. If you think that your claim has been delayed, unfairly denied, or otherwise poorly handled, you can file a complaint with SDDOI requesting an investigation.
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The North Dakota Insurance Department (“NDID”) regulates insurance companies and provides and promotes the “public good by fairly and effectively administering the laws of North Dakota.”1 One way it does this is by investigating consumer complaints of wrongdoing by insurance companies, agencies, and agents. If you think that your claim has been delayed, unfairly denied, or otherwise poorly handled, you can file a complaint with NDID requesting an investigation.
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Since 1999, the Oklahoma Insurance Department (“OID”) has provided free mediation services for policyholders who find themselves at odds with their insurance company.1 The program is called “E.A.G.L.E. Mediation,” which stands for “Ending Arguments Gently, Legally, and Economically.” Per the OID website, E.A.G.L.E.’s purpose is to “reduc[e] the amount of litigation that ultimately costs policyholders money” by helping “citizens and insurance companies settle disputes early enough to avoid becoming embroiled in lawsuits.”2
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The mission of the Nevada Division of Insurance (“NDI”) is to “protect the rights of Nevada consumers in their experiences with the insurance industry.”1 Its Consumer Services Section responds to approximately 25,000 consumer inquiries every year and has recovered millions of dollars for Nevada policyholders.2 One of the core functions of the NDI’s Consumer Services Section is to investigate consumer complaints about insurance companies, agents, and adjusters. If your claim has been delayed, wrongly denied, deliberately underpaid, or otherwise improperly managed, you can file a complaint with NID requesting an investigation.
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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.
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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.
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Minnesota regulates its insurance industry through the state’s Commerce Department (MCD). One of the purposes of the MCD is to investigate consumer complaints to ensure that insurance companies, agents, and adjusters are complying with all state laws and regulations. If you think that your insurance claim or policy has been delayed, wrongfully denied, or deliberately underpaid, you can file a complaint with the MCD.
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The goal of the Michigan Department of Insurance and Financial Services (DIFS) is to ensure that “[a]ll Michigan consumers. . . have access to insurance . . . provided by companies that treat them fairly.”1 DIFS’s Office of Consumer Services helps achieve this goal by investigating consumer complaints of wrongdoing by insurance companies, agencies, and agents. If you think your claim has been delayed, unfairly denied, or otherwise poorly handled, you can file a complaint with DIFS requesting an investigation
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The Louisiana Department of Insurance receives, on average, more than 3,600 complaints every year from consumers who are dissatisfied with how they have been treated by their insurance provider.1 If you live in Louisiana 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.
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