Blog

Court Rejects Appraisal Protocol

Nov 13, 2025 By Chip Merlin

Smoke Is Physical Damage Which May Not Be Paid Without Verification

Nov 12, 2025 By Chip Merlin

How Different States Treat Proof of Loss Mistakes and Deficiencies

Nov 11, 2025 By Chip Merlin

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

Nov 10, 2025 By Chip Merlin

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

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

Nov 04, 2025 By Chip Merlin

The Ethics of Insurance Company Role-Playing

Nov 03, 2025 By Chip Merlin

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

Nov 02, 2025 By Chip Merlin