Nicole Vinson

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Carriers Fail to List or Mention the Important Print in a Policy Once Dollars are at Stake

Frequent readers of our blog know that property insurance losses center on the insurance policy. The Policy provisions are the most fundamental and are always important in a breach of contract case. Despite the importance of the policy, you would think that insurance company adjusters, independent adjusters, and the representatives working on insurance claims would … Continue Reading

Behind Closed Doors at People’s Trust Insurance Company

Merlin Law Group has often questioned the representatives and adjusters of People’s Trust Insurance Company (“PTIC”) during depositions about what has transpired in our client’s insurance claims for damages, but it would be very interesting to see the processing of my client’s claims before Merlin Law Group was hired and understand what goes on behind … Continue Reading

When the Insurance Company Labels Your Loss a Collapse, Can It Still Deny Your Collapse Claim?

At least one Michigan court has ruled that even when the execute general adjuster calls a building’s damage a collapse and labels it as a “cave in,” the denial will stand where the policy language supports an exclusion.1 This case arises out damages that occurred to a large commercial shop that repairs commercial trucks. There … Continue Reading

Where Wind Meets Fire – Wildfire

Last week, Richard Tutwiler of Tutwiler and Associates, Matthew Garnett of Vernis and Bowling, Heather Filegar of Southern Healthy Homes, and I presented at the 2018 Windstorm Insurance Conference at the Rosen Shingle Creek Hotel. Rick Tutwiler who will be the President of the Windstorm Insurance Network in 2020, wanted to expand the course offering … Continue Reading

Hurricane Irma Mandatory Evacuations Taken Seriously by Tampa Bay Area and Merlin’s Tampa Office

On Friday, I took a deposition from our Tampa office via video conference questioning an adjuster in Charlotte. At about 1:45 pm, Erin Dunnovant rushed in our boardroom to tell me the office building and our entire area was being evacuated. I had to suspend the deposition and grab my computer. Opposing counsel said they … Continue Reading

Essential Property Insurance Coverage Information Withheld from Consumers

An April 2017 report by United Policyholders reveals the state rankings of homeowner insurance protections that impact buying insurance. The research revealed that many major insurance companies and many states withhold coverage and policy provisions from consumers during the purchase. These same companies and states also withhold payment information.… Continue Reading
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