Chip Merlin

Are “Trade Secrets” Becoming the Insurance Industry’s Shield Against Accountability?

Mar 28, 2026 By Chip Merlin

Think You Have a Bad Faith Case? Here’s What Courts Actually Require in California

Mar 27, 2026 By Chip Merlin

Did You or Your Business Suffer a Denied Claim? The Real Problem May Have Started Before the Loss

Mar 26, 2026 By Chip Merlin

Commercial Vacancy Clause Defeated Coverage, While Tools Stayed, but the Business Didn’t

Mar 25, 2026 By Chip Merlin

Are Engineering Standards Being Rewritten to Control Outcomes?

Mar 24, 2026 By Chip Merlin

Engineering Standards or Engineered Outcomes for Insurance Companies?

Mar 23, 2026 By Chip Merlin

Why Are They Called “Declarations” Pages? Because They Declare More Than Most Policyholders Realize

Mar 21, 2026 By Chip Merlin

What Is Reasonable Care to Maintain Heat in a Frozen Pipe Claim?

Mar 20, 2026 By Chip Merlin

State Farm Deserves Credit for Wildfire Risk Awareness

Mar 19, 2026 By Chip Merlin

Georgia’s One-Year Suit Limitation Strikes Again

Mar 18, 2026 By Chip Merlin

Guess What the Court Will Do with the Appointment of an Umpire

Mar 17, 2026 By Chip Merlin

How Do Judges Decide Which Appraisal Umpire to Appoint?

Mar 16, 2026 By Chip Merlin