States

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

A Burst Pipe Becomes an “Earth Movement,” Defeating The Purpose of Insurance

Nov 04, 2025 By Chip Merlin

Bad Faith by Delay: What About Timelines and the Duty to Move the Money?

Nov 02, 2025 By Chip Merlin

Does California’s New Wildfire Contents Rule Help—or Create New Coverage Gaps?

Nov 01, 2025 By Derek Chaiken

Fine Print, Grammar, and the Cost of Getting Back to Business: A Lesson from the State Farm Extra Expense Case

Oct 29, 2025 By Chip Merlin