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What Your Insurance Company Might Not Want You to Realize

Allstate

Can My Insurance Company Deduct Labor Costs When I Have A Replacement Cost Policy? What Allstate Does Not Say In Its AdsAsk an Allstate Insurance AgentFederal District Court Weighs in on Whether Labor Can Be Depreciated in Arriving at an Actual Cash Value Loss Settlement

Articles

Hurricane Losses and the Statute of LimitationsDoes Gender Preference Help Women Get Elected As Judges

Bad Faith

Does the Lack of Good Faith Mean the Insurer Was Bad and With Evil Intent? Indiana Case Suggests It Does Arkansas Allows Bad Faith Claims For Wrongful Denial of A Property Insurance ClaimMichigan Does Not Recognize First-Party Bad Faith

Business Property

“Physical Loss” and “Physical Damage” Are Still Being Debated—United Policyholders Is Still Fighting The Good Fight Where Did the Term “Physical” Come From In Business Income Form Policies?If Your Home Office Is Now Your Work Headquarters, Will Your Homeowners Insurance Policy Cover You?

Citizen's Property

Citizens Property Insurance Corporation is Shielded by Sovereign Immunity from Bad Faith ClaimsCitizens May Eliminate AppraisalSinkhole Coverage and Losses are Extraordinarily Complex

Citizens Mission Review Task Force

Rates are the "Elephant in the Room" with Government Sponsored Property Insurance ProgramsAn Insurance Risk Manager Gives Fantastic Advice to Policyholders Getting Ready for a Potential Hurricane ClaimState Farm Small Competitors

Class Action

Champlain Towers Collapse Class Action Settlement Is Granted Preliminary ApprovalEngineers Accused of Sham Reports in Class ActionFederal Court Certifies Question Regarding Collapse to Connecticut Supreme Court

Commercial Insurance Claims

Business Crime Policy and Employee TheftA General Overview of Business Interruption CoverageNo Business Income and Extra Expense Coverage Limit to Flood Endorsement

Consumer Protection

Why Do Republican Leaders Refuse to Listen To Complaints From Those Harmed By Insurance Companies?Why Are Florida Republican Leaders Rigging the Legal System to Favor Insurance Companies and Prevent Redress For Bad Faith Actions?Florida Public Records Disclosures Prove Insurance Companies Are Mistreating Policyholders—What About Making Laws Allowing Consumers To Do Something About It?

Court Opinion

New Florida Statute of Limitations Law Costs Condominium $13 MillionProperty Insurance Appraisal Law Is DynamicInsurance Agent Negligence Cases Are Complex—A Texas Example

Federal Legislation

If Appraisal Is Governed by the Federal Arbitration Act, What Is the Process?Is It the Beginning of the End for Forced Arbitration Clauses? Let’s HopeRecovery of Attorney’s Fees in Federal Flood Cases Under the Equal Access to Justice Act?

Florida

Why Do Republican Leaders Refuse to Listen To Complaints From Those Harmed By Insurance Companies?Why Are Florida Republican Leaders Rigging the Legal System to Favor Insurance Companies and Prevent Redress For Bad Faith Actions?Insurance Company Corrupt Claims Culture Exposed by Washington Post

Florida Insurers

Florida Public Records Disclosures Prove Insurance Companies Are Mistreating Policyholders—What About Making Laws Allowing Consumers To Do Something About It?Donald Trump and Chip Merlin Agree—Ron DeSantis and Florida Republican Leadership Have Sold Out to Insurance Company LobbyistsHow Florida Insurance Executives Siphon Off Millions and Leave Their Companies Bankrupt

Home Owner's Insurance

Comparing Various Types of Homeowners Insurance FormsDenied Homeowners Insurance or Have a High Premium? This Might Be WhyWill Policyholders be refunded by State Farm?

Hurricane Ike

Reflections on the Two Year Anniversary of Superstorm SandyThe Nuts and Bolts of Louisiana Statute of Limitations on Property Insurance ClaimsTornadoes, Tornadoes, Tornadoes

Hurricane Katrina

Rigsby Sisters Win Qui Tam Appeal Regarding Fraudulent Handling of Katrina Flood ClaimsState Farm Sued for Fraud for Katrina: More Altered Engineering Reports AllegedReflections on the Two Year Anniversary of Superstorm Sandy

Hurricane Sandy

What Exactly is a “Named Windstorm?” More Views As Appellate Case ProgressesRene Sigman Appointed to Committee Determining Model Disaster Litigation Case Management OrdersFEMA Extends ICC Claim Deadline for Superstorm Sandy Policyholders

Hurricane Wilma

Surplus Lines Insurers Are Not Always "Relieved" To Be Free From Regulation Under The Florida Insurance CodeFlorida's Appellate Courts Have Been Busy With Late Notice Hurricane Wilma CasesFederal Court Ruling On Florida Statute Of Limitations

Insurance

First Party Claims Conference West One Day Conference Next Wednesday in Marina Del ReyMissouri Court Upholds Arbitration Despite Anti-Arbitration Statute When Foreign Insurers Are InvolvedDo Insurance Companies Claim Fraud by the Policyholder for Opportunistic Reasons?

Insurance Blogs

Arbitration Versus Appraisal—Earthquakes in Oklahoma? Practical Suggestions for Unique Claims by Policyholder Attorneys who were Insurance Adjusters on Tuesdays at 2 with Chip MerlinEstablishing Insurance Producer Negligence in ArizonaInsurance Class Actions

Insurance Claim

New Florida Statute of Limitations Law Costs Condominium $13 MillionLouisiana Department of Insurance Accuses Texas-Based Law Firm of Fraud and Unfair Trade PracticesWhat Happens If The Appraisal Award Is Ambiguous?

Nationwide

Nationwide Insurance Adjuster Mistakes Flowers for Pot—Nationwide Insurance Policyholders Wrongfully ArrestedNationwide's "Brand New Belongings"- Cool Commercial, But What Does It Cover?"Credibility Determinations, The Weighing Of The Evidence, And The Drawing Of Legitimate Inferences From The Facts Are Jury Functions, Not Those Of A Judge...On A Motion For Summary Judgment"

Qui Tam

State Farm Claims Whistleblowers Win in United States Supreme Court and May Get Additional Evidence of WrongdoingRigsby Sisters Win Qui Tam Appeal Regarding Fraudulent Handling of Katrina Flood ClaimsRigsby Sisters Beat State Farm Again and HAAG Qui Tam Settlement Disclosed

Regulation

Oklahoma Insurance Department’s 2022 Year in ReviewWrongful Claims Practice Regulation Is Ineffective, and Why Florida’s New Market Conduct Examination Laws Mean NothingThoughts From Readers About Insurance Commissioner Resignation

Residential Insurance Claims

Arbitration Versus Appraisal—Earthquakes in Oklahoma? Practical Suggestions for Unique Claims by Policyholder Attorneys who were Insurance Adjusters on Tuesdays at 2 with Chip MerlinSinkhole Proposed Law Only Pays Policyholder 25% of Available Coverage--Lessons of How the Insurance Lobby Spins a MessageWhat to Do When You have a Possible Insurance Claim

Settlement

Heroes Arise From the Champlain Towers Condominium CollapseFIGA Ordered To Honor Settlement Agreement Reached By Underlying InsurerTake Care In Reviewing Release Documents Before Signing

State Farm

Lessons Policyholders and Insurance Regulators Should Learn From McKinsey and State FarmState Farm Accused of Systemic Discrimination in Class Action LawsuitTwo Oklahoma Juries Find State Farm Acted in Bad Faith

State Legislation

Why Do Republican Leaders Refuse to Listen To Complaints From Those Harmed By Insurance Companies?Why Are Florida Republican Leaders Rigging the Legal System to Favor Insurance Companies and Prevent Redress For Bad Faith Actions?Florida Public Records Disclosures Prove Insurance Companies Are Mistreating Policyholders—What About Making Laws Allowing Consumers To Do Something About It?

Texas Insurers

Upon Renewal of a Policy, Insurers Must Give Policyholders Advance Notice of “Material Changes”The Insurance Coverage Gap Worsens—Farmers Policy Changes ApprovedTexas Insurance Appraisal: Who is Grading Insurance Company Papers and the Policies They Sell?

Uncategorized

Florida Prohibits a Disinterested Appraiser From Having a Contingent Interest in the Appraisal AwardMartin Luther King DayMarine, Boat, and Yacht Claims Files Are Discoverable In New York—A Tribute Post To Retiring Paralegal Bob Bluni 

About

Established in 1985, Merlin Law Group is a leading insurance litigation law firm committed to assisting policyholders receive fair and just outcomes from their insurance companies. Property insurance law is a highly complex and specialized area of law and our firm represents policyholders when claims are denied, delayed or underpaid.

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