Blog

Doug Branham: Fifty Years of Claims, Character, and Professional Excellence

Aug 07, 2026 By Chip Merlin

Who Decides Where to Test a Wildfire Smoke Claim?

Aug 06, 2026 By Chip Merlin

Ordinance or Law Coverage Is Three Coverages—Do You Have Enough?

Aug 05, 2026 By Chip Merlin

Proof of Loss Waivers: Do Colorado Forfeiture Rules Teach Me Something Different?

Aug 04, 2026 By Chip Merlin

Maryland Statute of Limitations for Breach of Insurance Contract

Aug 03, 2026 By Chip Merlin

Insurance Coverage Analysis Should Never Stop at the Exclusion

Aug 02, 2026 By Chip Merlin

An Insurer Cannot Design a Lead Investigation Meant to Avoid Finding Lead

Aug 01, 2026 By Chip Merlin

Lead Does Not Disappear in the Smoke: What Scientific Research Is Finding Inside Standing Homes

Jul 31, 2026 By Chip Merlin

When the First Inspection Fails, the Policyholder Becomes the Adjuster

Jul 30, 2026 By Etienne Font & Javier Delgado

Cosmetic Damage Exclusion Revisited: The Eighth Circuit Gives New Meaning to “To the Same Extent”

Jul 29, 2026 By Chip Merlin

Follow the Claim System: The Discovery State Farm Wildfire Policyholders Need

Jul 29, 2026 By Chip Merlin

State Farm’s Wildfire Claim Playbook: The Rules Behind Smoke, Soot, Ash, and Valuation

Jul 28, 2026 By Chip Merlin