After a disaster, United Policyholders is always a good resource to review for policyholders and family members of those with a home or business affected by the hurricane. This non-profit organization has many programs and services that may guide you in the aftermath of a storm when stress levels are high, and you have many questions.
Continue Reading Hurricane Florence Online Resources Available from United Policyholders

Frequent readers of our blog know that property insurance losses center on the insurance policy. The Policy provisions are the most fundamental and are always important in a breach of contract case. Despite the importance of the policy, you would think that insurance company adjusters, independent adjusters, and the representatives working on insurance claims would also have the insurance policies at their fingertips when working on a claim, but that is often not the case.
Continue Reading Carriers Fail to List or Mention the Important Print in a Policy Once Dollars are at Stake

As many Californians continue to repair, rebuild, and regain financial health after the disasters throughout the State, many are looking at insurance reform as a solution for the future. Insurers should provide the funds due to individuals and businesses after a disaster, but as surveys have shown, these funds don’t always flow as they should.1
Continue Reading Why California Insurance Reform Can Improve Disaster Recovery in the Future

Chase Mathis

Chase Mathis called me on Tuesday morning as soon as my plane touched down in New Jersey to ask if he could be interviewed by a San Francisco radio station about the insurance issues those suffering from the California wildfires were facing. He explained the radio station called and wanted him to answer certain questions about insurance issues facing California wineries and policyholders. While Chase is a young star attorney in the Merlin Law Group, he is also located in New Jersey and has not litigated losses in California. So, I said “sure, but be certain to pull all the research our firm has been doing over the last couple of weeks regarding this disaster before the interview.”
Continue Reading California Wildfire Insurance Questions, Claims and Recovery

Amy Bach of United Policyholders and Paula Palozzi, Associate Director of the Rhode Island Department of Business Regulation, Insurance Division, held a seminar at the First Party Claims Conference and called on aggrieved policyholders to file written complaints with departments of insurance. Palozzi explained that when insurance companies pay too little, a written complaint about a low paying claims adjuster may allow a new set of eyes to set the matter straight and call attention to the possibility of a market conduct study if insurers are repetitively making the same claims handling mistake.
Continue Reading Hurricane Irma Policyholders Should File a Written Complaint About Slow, No or Low Paying Claims Insurance Adjusters

Amy Bach of United Policyholders was honored as the Consumer Champion by the Florida Association for Insurance Reform. I was privileged to deliver the introduction for Amy as seen in the above video. Merlin Law Group has been an active and long-time financial and pro bono supporter of United Policyholders. We also applaud the efforts of the Florida Association for Insurance Reform (FAIR), led by Jay Neal.
Continue Reading Amy Bach Honored by the Florida Association for Insurance Reform

Truthfully, we asked Amy Bach of United Policyholders to help request an immediate extension. As the oldest and largest non-profit organization dedicated solely to advocating for policyholders, she has a lot of pull and respectful working relationships with those administrating the National Flood Program.
Continue Reading Federal Insurance Administrator Responds to Merlin and Provides Hope For Fair Claims Process

The California Department of Insurance recently issued a press release announcing that the California Supreme Court affirmed the homeowner reimbursement protections recently decided in California Fair Plan Association v. Garnes.1 Back in June, my colleague Kevin Pollack wrote about the recent decision and whether actual cash value means fair market value or replacement

An April 2017 report by United Policyholders reveals the state rankings of homeowner insurance protections that impact buying insurance. The research revealed that many major insurance companies and many states withhold coverage and policy provisions from consumers during the purchase. These same companies and states also withhold payment information.
Continue Reading Essential Property Insurance Coverage Information Withheld from Consumers