Anybody who joined me for our Hurricane Ida webinar yesterday could tell that Steve Mullins is an aggressive and experienced property insurance advocate. Steve was born in New Orleans and is the eldest son of Louisiana parents. Steve grew up in Baton Rouge, Louisiana, and along the Mississippi Gulf Coast in Ocean Springs. He is a proud graduate of Ocean Springs High School, where he was active in football, student government, and all sorts of fun that is available when you live along the Mississippi Gulf Coast. I know about those fun things because I lived in Waveland, Mississippi, for three of my best formative years.
Continue Reading Steve Mullins With Louisiana, Mississippi, and Alabama Ties Joins Merlin Law Group

Is your hurricane claim being adjusted promptly, fairly, and equitably? I’ve heard many stories of policyholders that have still not seen an adjuster following Hurricane Sally, and Hurricane Zeta just brought more winds and rain to already damaged properties. It’s important to know the requirements Alabama insurance companies have for the adjustment of your hurricane claim.
Continue Reading Understanding Alabama Insurance Claims Standards—Is the Insurance Company Following Alabama Code?

Americans hate to be told that we cannot do something. I think it is just in our DNA. Since the time we are little, we are taught to “never let somebody tell you that you cannot…..” Name the dream you want to accomplish because, in America, you can do it.
Continue Reading Adjusting and The Unauthorized Practice of Law—Thoughts About What Public Adjusters Can Do in Alabama

Brian Goodman is the very able General Counsel for the National Association of Public Insurance Adjusters. He also worked tirelessly to get public adjusting licensed in Alabama. He has properly corrected me that public adjusting is not “illegal” in Alabama. Mark the time, I am making a correction to this morning’s blog.
Continue Reading Stop the Presses and Mark the Time—Chip Merlin, The Wizard of Something, May Be Wrong!!!

Bad faith cases really should be named “lack of good faith” cases because the duty is on the insurance company to act in the utmost of good faith and fair dealing with the policyholder. “Bad” has nothing to do with it. Alabama, however, carries the “bad faith” definition one step further by delineating a cause of action for “abnormal bad faith.”
Continue Reading Alabama Allows Abnormal Bad Faith—Is Auto-Owners Calling Its Customers’ Fraud Bad Faith?

Alabama Insurance Commissioner Jim L. Ridling

Alabama policyholders can seek assistance with their insurance claims through the Alabama Department of Insurance website found here. When a policyholder feels they have hit a wall working with the adjuster(s) assigned to their insurance claim, Alabama provides an Online Consumer Complaint Form that can be submitted to the Department of Insurance.
Continue Reading How to File a Complaint with the Alabama Department of Insurance About Your Delaying, Denying, and Bad Treating Insurance Company