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Does Functional Replacement Cost Coverage Make Sense for Older Homes?

Nov 09, 2025 By Chip Merlin

The Price of Homeownership: When Insurance Becomes the Breaking Point

Nov 08, 2025 By Chip Merlin

The Seven-Page Myth: Chubb’s Incredible Claim That It Has No Claims Manuals

Nov 07, 2025 By Chip Merlin

The Stupidity of Taking Matching Out of Actual Cash Value

Nov 06, 2025 By Chip Merlin

When Whistleblowers Speak: Heritage’s Lawsuit Against Its Own Adjuster Opens the Claims Handling Black Box

Nov 05, 2025 By Chip Merlin

When Insurers’ Own Science Shows Small Hail Can Wreck Roofs

Sep 18, 2025 By Chip Merlin

Between Watchdogs and Wildfires: Rethinking Prop 103 in California’s Insurance Crisis

Sep 16, 2025 By Chip Merlin

Smoke, Soot, and Ash Testing Is Important

Aug 31, 2025 By Chip Merlin

Miss the 100-Day Deadline? How California Appraisal Law Ends Insurance Disputes Fast

Aug 13, 2025 By Chip Merlin

A Deep Dive into Insurance Claims: Insights from Chip Merlin’s Interview with Steven Bush

Jul 27, 2025 By Chip Merlin

Racing to Hawaii, Chasing Wind and Looking For Insurance

Jul 17, 2025 By Chip Merlin

Happy 4th of July from Merlin Law Group

Jul 04, 2025 By Chip Merlin

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