Policy Language

Is a Tornado a Windstorm? A Question That Deserves More Than a Knee-Jerk Answer

Mar 01, 2026 By William "Trey" Flournoy

Plain Meaning Prevails: What the Texas Supreme Court’s Windstorm Ruling Means for Policyholders

Feb 21, 2026 By Larry Bache

Insurance Readability Isn’t Improving and Insurance Agents Need to Step Up

Dec 15, 2025 By Chip Merlin

Homeowners Cannot Understand Their Policy Even When They Read It

Dec 13, 2025 By Chip Merlin

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