Chip Merlin

Contractors and Roofers “No Out of Pocket” Promises Are Backfiring

Jan 03, 2026 By Chip Merlin

Reading Between the Lines of California’s $22.4 Billion Wildfire Claims Announcement

Jan 02, 2026 By Chip Merlin

Risk Scores, Wildfires, and the Quiet Remaking of Property Insurance

Jan 01, 2026 By Chip Merlin

Fortuity Reconsidered: Why an Unwritten Doctrine Still Haunts Property Insurance

Dec 31, 2025 By Chip Merlin

Is a Crack to an Opal a Fortuitous Loss?

Dec 30, 2025 By Chip Merlin

The First Discussion of Fortuity by an American Court

Dec 29, 2025 By Chip Merlin

The Basics of All Risk Insurance and Fortuity

Dec 28, 2025 By Chip Merlin

What does “Fortuitous” Mean? Why Is “Fortuity” So Important to Property Insurance?

Dec 26, 2025 By Chip Merlin

Happy Holidays from Merlin Law Group

Dec 25, 2025 By Chip Merlin

Why Christmas Is the Right Time to Thank the People We Disagree With

Dec 24, 2025 By Chip Merlin

A Wrong Insurance Application Answer Destroys Coverage

Dec 22, 2025 By Chip Merlin

The “Cosmetic Damage Exclusion” Won: What a Court Said About Hail-Dented Metal Roofs

Dec 20, 2025 By Chip Merlin