Blog

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

Los Angeles County Takes on State Farm Over Wildfire Claims

Nov 20, 2025 By Chip Merlin

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