Policy Language

The Gap Between Insurer White-Glove Promises and Policy Fine Print

Jul 17, 2026 By Chip Merlin

A Sewer Backup Endorsement That Vanished When It Was Needed Most

May 30, 2026 By Chip Merlin

Can Insurers Ban Policyholders from Hiring Public Adjusters? A New York Lawsuit Raises Troubling Questions

May 20, 2026 By Chip Merlin

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