Policy Language

The Illusion of Cyber Coverage: How a Court Narrowed Social Engineering Insurance

Apr 14, 2026 By Chip Merlin

Why Do Judges Keep Demanding That Policyholders Understand the Insurance Contract?

Apr 11, 2026 By Chip Merlin

Ambiguity Is Discovered by Those Who Know Where to Look

Apr 09, 2026 By Chip Merlin

A Rare COVID Insurance Victory Proves Courts Must Read the Full Policy

Mar 10, 2026 By Chip Merlin

Excess Insurance Towers Are Complex and Not for Rookie Claims Handlers

Mar 08, 2026 By Chip Merlin

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