Industry Professionals

Washington’s Insurance Fraud Modernization Bill Raises an Important Question: Does It Apply to Everyone?

Feb 24, 2026 By Chip Merlin

Can Policyholders Rely Upon What Property Claims Adjusters Tell Them?

Feb 15, 2026 By Chip Merlin

Not Every “Flood” Is a Flood and Why the Source of the Water Matters

Feb 14, 2026 By Chip Merlin

Responding to Engineers and Consultants Routinely Hired by Insurance Companies

Jan 23, 2026 By Chip Merlin

Limited Code Upgrade Coverage Means No Full Replacement Costs

Jan 16, 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 “Follow the Form” Mean In Modern Insurance Practice?

Dec 27, 2025 By Etienne Font