Blog

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

Clearance Before Occupancy: Why EFRU Is Right About Smoke and Soot Testing

Nov 16, 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

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