Blog

Untangling Loss, Delay, and Coverage: A California Appraisal Lesson from an Out-of-State Claim

Dec 05, 2025 By Chip Merlin

Court Orders USAA to Appraisal Despite Remaining Coverage Concerns

Dec 04, 2025 By Chip Merlin

Pre-Loss Roofing and Construction Assignments Under Fire: Iowa Says No

Dec 03, 2025 By Chip Merlin

Residency, Responsibility, and Risk: Who Lives in a Home Is a Huge Coverage Issue

Dec 02, 2025 By Chip Merlin

Enhancing Community Safety Starts with Honest Conversations About Wildfire Risk

Dec 01, 2025 By Chip Merlin

Have Policyholder Rights and Protections Eroded?

Nov 30, 2025 By Chip Merlin

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

Nov 29, 2025 By Chip Merlin

Why Courts Should Demand More Than a Rubber Stamp Regarding Regulator-Approved Policy Wording

Nov 28, 2025 By Chip Merlin

A “Vacant” Building Isn’t Vacant at All: What Stempel Teaches Us About Real-World Insurance Promises

Nov 26, 2025 By Chip Merlin

The Insurance Policy as a “Thing” – Why Jeffrey Stempel Still Has the Insurance World Thinking

Nov 25, 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