States

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

Jul 28, 2026 By Chip Merlin

Chip Merlin’s View of Florida’s Insurance Marketplace: The Insurance Industry Is Healthy. Why Do Policyholders Still Feel Sick?

Jul 27, 2026 By Chip Merlin

The Hail Claim Playbook: Why State Farm’s Training May Become Exhibit A in Oklahoma

Jul 27, 2026 By Chip Merlin

Oklahoma’s Attorney General Sues While Florida Splits the File

Jul 26, 2026 By Chip Merlin

The One Church Decision Says Much About Appraisal and Claims Culture

Jul 25, 2026 By Chip Merlin

Can a Metal-Roof Hail Endorsement Be “Largely Illusory” — A Texas Federal Court Says the Facts May Matter

Jul 23, 2026 By William "Trey" Flournoy

Pollock v. Federal: Nine Lessons for Palisades and Altadena Wildfire Smoke Claims

Jul 22, 2026 By Daniel Veroff

The Gap Between Insurer White-Glove Promises and Policy Fine Print

Jul 17, 2026 By Chip Merlin

Are California Policyholders Being Asked to Pay More While Their Watchdog Is Being Put on a Leash?

Jul 14, 2026 By Chip Merlin

The Genuine Dispute Doctrine: A Critical Consideration in California Insurance Bad Faith Litigation

Jul 13, 2026 By Rob Rahmani

An Insurer in Reinsurer’s Clothing?

Jul 12, 2026 By Chip Merlin

When Rain Finds a Defect, Coverage Should Not Disappear

Jul 11, 2026 By Chip Merlin