Blog

Risk Scores, Wildfires, and the Quiet Remaking of Property Insurance

Jan 01, 2026 By Chip Merlin

Fortuity Reconsidered: Why an Unwritten Doctrine Still Haunts Property Insurance

Dec 31, 2025 By Chip Merlin

Is a Crack to an Opal a Fortuitous Loss?

Dec 30, 2025 By Chip Merlin

The First Discussion of Fortuity by an American Court

Dec 29, 2025 By Chip Merlin

The Basics of All Risk Insurance and Fortuity

Dec 28, 2025 By Chip Merlin

What Does “Follow the Form” Mean In Modern Insurance Practice?

Dec 27, 2025 By Etienne Font

What does “Fortuitous” Mean? Why Is “Fortuity” So Important to Property Insurance?

Dec 26, 2025 By Chip Merlin

Happy Holidays from Merlin Law Group

Dec 25, 2025 By Chip Merlin

Why Christmas Is the Right Time to Thank the People We Disagree With

Dec 24, 2025 By Chip Merlin

Public Adjuster Contract Compliance – Who is Responsible When Rules Are Not Clear?

Dec 23, 2025 By Picl Guest Blogger

A Wrong Insurance Application Answer Destroys Coverage

Dec 22, 2025 By Chip Merlin

Tackling the Toxic Aftermath: Insights from United Policyholders’ “Wildfire Smoke Damage and Your Insurance Rights” Webinar

Dec 21, 2025 By Daniel Veroff