Tag Archives: Georgia

To Plea or Not to Plea? Insurer’s Denial of Coverage for Residential Fire Loss Upheld

I recently came across an interesting opinion, Fuller v. Mercury Insurance Company of Georgia,1 where the Eleventh Circuit Court of Appeals discussed the effect of a guilty plea on a policyholder’s civil action against their insurance carrier. The opinion stemmed from a residential fire loss and the insured’s subsequent claim for benefits under her homeowner’s … Continue Reading

We Had a Hailstorm Months Ago, But I Just Realized the Severity of the Damage: Is It Too Late to Make an Insurance Claim?

We’ll let the jury decide. Policyholders must meet post-loss obligations under their property insurance policy prior to receiving coverage for a loss. A common condition precedent requires policyholders to provide prompt notice of the loss to their carrier. The carrier must be able to conduct a reasonable investigation of the property conditions as close to … Continue Reading

Join us in Atlanta

Chip Merlin and I will be speaking on behalf of the Merlin Law Group at the Fall Georgia Association of Public Insurance Adjusters Meeting on October 4, 2016, at the Cobb Galleria Centre in Atlanta.… Continue Reading

Is Your Claim Too Late in Georgia?

Some losses are not as readily apparent to policyholders as a fire or significant water loss. The policyholder may not discover the damage until days, weeks or months after the loss occurred. This can often be the case for hail losses to roofs. However, when the policyholder gives notice weeks or months after the loss, … Continue Reading

Insurance Company Has to Have Reasonable Requests Pursuant to the Policy

When submitting a claim to an insurance company, a policyholder has certain obligations that must be followed. The insurance policy contract lists the obligations. The policy document was written by the insurance company and approved (most of the time) by the insurance regulatory agency for the state where the property is located. Insurance contracts are … Continue Reading

Georgia Adjusters Seminar with Chip Merlin Next Week

There is still time to register for the Georgia Seminar on Tuesday, May 12, 2015. The Georgia Association of Public Insurance Adjusters (GAPIA) is hosting their annual conference at the Cobb Galleria in Atlanta. Click here to register online. Click here for a detailed agenda, including the educational presentation topics.… Continue Reading

Georgia Unfair Claims Handling

I recently received my license to practice law in Georgia and a common question I am asked is whether the insured’s claim is being handled in “good faith” by the insurance carrier and whether an action for unfair claims handling is appropriate.… Continue Reading
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