Hurricane Florence insurance claims are the headache that starts after Florence damages your business or home. There is nothing easy about having your property destroyed—either emotionally or financially. It is going to hurt. I and a number of Merlin Law Group lawyers have been doing this work full time for as long as anybody in the business. We have seen the emotional toll from hurricanes and the insurance claim process. We have seen the financial stress caused when dealing with insurance company payments that are not fast enough and simply not enough. We are here to help policyholders get over this hurt and frustration.
Continue Reading Your Hurricane Florence Insurance Claim: Tips From an Experienced Policyholder Lawyer For Business and Homeowner Insurance Hurricane Claims

At this point, it seems that Hurricane Florence will strike and cause damage to buildings and homes beginning on Thursday, September 13, 2018. While hurricanes seem to always have an ingredient of unpredictability, the experts at the National Hurricane Center are warning of extreme winds, intense rain and storm surge.
Continue Reading What Your Property Insurance Company Doesn’t Want You to Know about Hurricane Florence

The Carolinas are bracing for the impacts of Hurricane Florence – currently a Category 4 hurricane at time of publication. Unlike many storms when the hurricane track is hotly debated, and landfall is anyone’s guess, the tracking models seem to be in agreement:

Hurricane Florence


Continue Reading Hurricane Florence Categorized as Extremely Dangerous – Precautions Mandatory

Riggings Homeowners, Inc. (“Riggings”), has filed suit against Hartford Insurance Company of the Midwest (“Hartford”) for damages sustained to Building 1 of the condominium association during Hurricane Joaquin. In a 10-count complaint filed in the U.S. District Court for the Eastern District of North Carolina,1 Riggings alleges that Hartford “has a pattern and practice of wrongfully denying larger, legitimate flood insurance claims.”
Continue Reading Condominium Association Sues Carrier for Damages Sustained During Hurricane Joaquin

Next up in our whirlwind 50-state tour of claims handling requirements is the Tar Heel State. Unlike our previous stops in New Jersey and Pennsylvania, North Carolina has relatively few explicit claims handling requirements. This may be why North Carolina ranked dead last in a 50-state ranking of insurance regulations as pointed out by my colleague, Nicole Vinson.
Continue Reading Claims Handling Requirements by State – North Carolina

In the wake of Hurricane Matthews, President Obama declared a “major disaster” for North Carolina. As such, on October 10, 2016, FEMA announced that federal disaster assistance is available to residents of the State of North Carolina to supplement recovery efforts in the areas affected by Hurricane Matthew. Specifically, funding will be available to affected individuals in Beaufort, Bladen, Columbus, Cumberland, Edgecombe, Hoke, Lenoir, Nash, Pitt, and Robeson counties. Assistance includes, among other things, grants for temporary housing and home repairs, low-cost loans to cover uninsured property losses, and other programs to help individuals and business owners recover from the effects of the disaster.


Continue Reading Assistance for North Carolina Individuals and Businesses affected by Hurricane Matthew

All too often, policyholders contact us when their residential or commercial carriers send a notice that they will no longer provide insurance coverage. It is critically important that all insureds understand the major difference between an insurance company canceling a current policy and a notice of non-renewal. Every policyholder should carefully study any written notifications about changes or potential changes in insurance coverage so they understand the insurance company’s actions.


Continue Reading Carolina Coverage: Help! My Insurance Company Wants to Drop Me