The above photo is of Kaye Beneke, Justin Skipton, and Kalon deLuise, taken while we prepared for a session regarding claims ethics for next Monday’s joint session hosted the Texas Association of Public Insurance Adjusters (TAPIA) and the Rocky Mountain Association of Public Insurance Adjusters (RMAPIA).
Continue Reading Welcome to The Twilight Zone! Texas and Rocky Mountain Public Adjusters Hold a Joint and Virtual Property Claims Training Next Week

The National Flood Insurance Program (“NFIP”) permits an insured to file a supplemental Proof of Loss that adds or changes an earlier submitted version. To be valid, the supplemental Proof of Loss must be filed within 60 days of the loss. No exception allows the insured to submit a supplemental Proof of Loss after the 60 days, even if the insured later determines that the flood damage it sustained exceeds the amount stated in the original Proof of Loss.
Continue Reading Can an Insured Submit a Supplemental Flood Proof of Loss If the Insurer Has Already Paid the Initial Proof of Loss?

Insurance claims education is important for everybody in the property insurance claims business. Insurance restoration contractors, independent, company and public adjusters, as well as insurance defense and policyholder attorneys should be constantly learning so we can serve the public trust and make the insurance claim business work to fulfill the public’s expectation. “Insurance serves the public trust” is a statement of law found in most states, including Louisiana.
Continue Reading Can Chip Merlin Answer 21 Hurricane Laura Claims Questions in 15 Minutes? Watch Friday @2 With Chip Merlin to Find Out

On Monday, I was writing a cease and desist letter to a young and naïve commercial business development person working for a contractor who was using our firm’s name to promote his business and wrongfully indicating that we were part of a “team.” Already aggravated, I kept getting interrupting text messages from public adjusters asking whether public adjusters could solicit claims for attorneys.
Continue Reading Public Adjusters and Those Directly Soliciting Insurance Claims on Behalf of Attorneys Are Committing a Crime and Can Go to Jail Along With the Attorneys

Note: This guest blog post is by Holly Soffer, Esq., a policyholder attorney and General Counsel to the American Association of Public Insurance Adjusters.

Great food, friendly people, charm, and character all combine to make Louisiana wonderfully unique. What also makes Louisiana unique is its set of laws. Historically, Louisiana law is largely based upon the Napoleonic Code, instead of the English common law, as is the rest of the U.S. The public adjuster law is no exception.
Continue Reading Public Adjusting in Louisiana

Earl Carr has a story every public adjuster practicing in Louisiana should read. He lives in Louisiana and I met him following Florida’s four 2004 hurricanes. The following year, Katrina devastated Louisiana. Earl was busy and even started a radio show which I once appeared on discussing property insurance claim issues.
Continue Reading Warning! Public Adjusters Thinking of Working in Louisiana Should First Read the Case of Earl Carr

Join us tomorrow for a public adjuster webinar. Jason Cieri and I, from the Merlin Law Group Red Bank, New Jersey office, will be presenting two courses starting at 2:00 pm (Eastern Time). Jason’s course will cover a very common issue up in the Northeast: Frozen Pipes and Sewer Backups.

I will discuss the

Friday at 2 is a quick recap of a few timely items of interest to the property insurance claims industry. It is a 15-minute summary by me of some of the recent important property insurance claims industry topics, and allows for some quick answers to questions posed to me earlier from the Tuesday At 2 With Chip, which is longer and more in depth on just one topic per week.
Continue Reading Want A Hail Damage Claim Tip Which Helps Policyholder Recovery? Do Not Miss Friday At 2 With Chip Today

The end is near! It truly is when it comes to Hurricane Irma insurance claims. The three-year notice to submit all claims is coming due very shortly. In a little more than a month, the deadline will pass. So, why not have a top-notch seminar to learn all about what to do and not to do regarding Hurricane Irma claims and earn four continuing education requirements at the same time?
Continue Reading Hurricane Irma Insurance Claims Virtual Seminar on August 10—The Deadline to Submit Hurricane Irma Claims Draws Near