Policy Language

Is the Damaged Property Covered Property?

Nov 20, 2025 By Chip Merlin

Has the Insurance Industry Forgotten the Meaning of Its Own Policies?

Oct 31, 2025 By Chip Merlin

Fine Print, Grammar, and the Cost of Getting Back to Business: A Lesson from the State Farm Extra Expense Case

Oct 29, 2025 By Chip Merlin

Paying More and Getting Less: How the Promise of Property Insurance Is Being Rewritten

Oct 25, 2025 By Chip Merlin

Public Adjusters Strike Back: FAPIA and NAPIA Sue Velocity Risk Over Anti-Public Adjuster Endorsements

Oct 12, 2025 By Chip Merlin

When “From Any Cause” Doesn’t Mean Every Cause in Marine Cargo Policies

Sep 21, 2025 By Chip Merlin

Does the Insurance Carrier Pay the Public Adjuster Fee?

Sep 07, 2025 By Chip Merlin

Does An Insurer Have a Right to Take Property or Claim Salvage Absent Policy Language?

Sep 05, 2025 By Chip Merlin

Insurance Is Not a Commodity: Don’t Buy the Cheap Farmers Homeowners Policy, Which Becomes Costly After a Fire

Jul 21, 2025 By Chip Merlin

200,000 Gallons of Water Destroyed My Home and My Good Neighbor Insurance Company Will Not Pay a Dime!

Jun 29, 2025 By Chip Merlin

Ensuing Loss Clauses Are Often Confusing

Mar 24, 2025 By Chip Merlin

Clear Language Wins the Day: Court Rules Ambiguity Favors Policyholders

Mar 13, 2025 By Chip Merlin