States

A Hard Lesson About Proving Wind-Caused Openings When Water Enters a Building

Nov 29, 2025 By Chip Merlin

DOAH for Everyone? What Citizens’ “arbitration” teaches us about fairness for all Florida policyholders

Nov 22, 2025 By Steven Bush

Travelers Smoke and Soot Case Opinion Revised

Nov 21, 2025 By Chip Merlin

Los Angeles County Takes on State Farm Over Wildfire Claims

Nov 20, 2025 By Chip Merlin

Is the Damaged Property Covered Property?

Nov 20, 2025 By Chip Merlin

Do Insurance Policies Cover Mudslides from Atmospheric Rivers? California’s Efficient Proximate Cause Rule Explained

Nov 19, 2025 By Derek Chaiken

Citizens’ DOAH Numbers Tell the Real Story: It’s About Cutting Costs and Not Helping Policyholders

Nov 18, 2025 By Chip Merlin

“Matching” Meets Appraisal: Why Ohio Missed the Mark on What Appraisal Really Means

Nov 17, 2025 By Chip Merlin

Travelers’ $27 Million Soot and Smoke Case Takes a Turn: The Panel Opinion Has Been Vacated

Nov 15, 2025 By Chip Merlin

Gimme the Money Back! Can an Insurer Change Its Mind After Payment?

Nov 14, 2025 By Chip Merlin

Smoke Is Physical Damage Which May Not Be Paid Without Verification

Nov 12, 2025 By Chip Merlin

Signed, Sworn, and Sealed: The Tower Crossing Lesson Every Public Adjuster Must Learn

Nov 10, 2025 By Chip Merlin