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A Christmas Message

Dec 25, 2024 By Chip Merlin

The Difference between an Insurance Agent and an Insurance Adjuster

Oct 10, 2024 By Merlin Law Group

Understanding recoverable depreciation is important to make sure you receive the full replacement cost for the parts of your home that were lost or damaged.

What Is Recoverable Depreciation in Home Insurance?

Sep 15, 2024 By Mara Essick

The image shows the California coast. In recent years, more and more California residents in regions throughout the state have had to turn to the CA FAIR Plan for insurance.

What Is the California FAIR Plan?

Sep 10, 2024 By Daniel Veroff

Insurance Policy Assignment Provisions: What They Are and When Insurers Have to Consent

Aug 18, 2024 By Merlin Law Group

An image of space debris in orbit around the Earth demonstrates just how expansive the definition of “falling objects” can be.

What Are Specified Perils? What Counts as a “Falling Object”?

Aug 15, 2024 By Chip Merlin

No Vacancy! Is a Good Thing When It Comes to Coverage for Your Property

Aug 07, 2024 By Merlin Law Group

What Is Cosmetic Damage?

Jul 25, 2024 By Chip Merlin

A Policyholder Must Have an Insurable Interest in Property at the Time the Insurance Policy Is Issued and at Time of Loss

Jul 23, 2024 By Shaun Marker

Two roofers replacing a roof with like kind and quality shingles

“Like Kind and Quality” Is an Appraisable Issue

Jul 03, 2024 By Christina Phillips

Is There Such a Thing as Lava Insurance in Hawaii?

Jul 01, 2024 By Chip Merlin

How Do You Define “Surface Water” and Is It Covered Under My Policy?

Jun 05, 2024 By Merlin Law Group