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Limited Code Upgrade Coverage Means No Full Replacement Costs

Jan 16, 2026 By Chip Merlin

Loss Payee Is Not Enough: A Hard Lesson for Property Owners and Managers on Tenant-Placed Insurance

Jan 14, 2026 By Chip Merlin

Tornadoes, Tenants, and Traps in the Lease: Lessons on Insurance Obligations Between Landlords and Tenants

Oct 20, 2025 By Chip Merlin

Smoke and Soot Are Covered Causes of Loss

Aug 30, 2025 By Chip Merlin

Should HOAs Take Out Construction Loans Just to Get Their Insurance Claim Paid?

Jun 01, 2025 By Chip Merlin

NFIP Escapes Payment with Form Over Substance Rules: The Need for Reform of the National Flood Insurance Program

May 06, 2025 By Chip Merlin

Property Managers and Commercial Owners Beware: Insurance Placement Should List the Property Owner as a Named Insured

Nov 11, 2024 By Chip Merlin

National Flood Lessons: Strict Enforcement of Deadlines Dooms Policyholder’s Flood Claim—A Reopened Claim Does Not Stop the Ticking Time Bomb

Oct 22, 2024 By Chip Merlin

What Are Protective Safeguard Endorsements?

Jun 01, 2024 By Chip Merlin

Is Roof Decking Replacement Covered by Insurance?

May 13, 2024 By Edward Eshoo

Can a Flood Happen on the Top of a 10-Story Roof? What Is Surface Water?

Dec 21, 2023 By Chip Merlin

Things To Consider When Selling Property With an Open Insurance Claim

Dec 03, 2023 By Merlin Law Group

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