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Think You Have a Bad Faith Case? Here’s What Courts Actually Require in California

A recent federal court ruling in California involving State Farm and a commercial policyholder offers an important lesson for anyone litigating insurance bad...

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Think You Have a Bad Faith Case? Here’s What Courts Actually Require in California

A recent federal court ruling in California involving State Farm and a commercial policyholder offers an important lesson for anyone litigating insurance bad...

Who Owns the Customer? Carrier-Agency-Producer-Client Relationships in 2026

This article is part of a sponsored series by AgentSync. And 5...

What Insurance Agencies Should Know Before Migrating to a New Agency Management System

This article is part of a sponsored series by dyad. Most insurance...

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Contractors and Roofers “No Out of Pocket” Promises Are Backfiring

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There are moments when a court opinion stops me cold. Not because it is wrong or that it is something that has never...

Reading Between the Lines of California’s $22.4 Billion Wildfire Claims Announcement

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California’s Department of Insurance recently issued a press release announcing that insurers have paid $22.4 billion to wildfire survivors. 1 On its face,...

Risk Scores, Wildfires, and the Quiet Remaking of Property Insurance

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The start of a new year is a good time to reflect on how quietly, and sometimes invisibly, fundamental systems change. Few forces...

Fortuity Reconsidered: Why an Unwritten Doctrine Still Haunts Property Insurance

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For nearly a century, courts and commentators have treated fortuity as if it were a natural law of insurance rather than what it...

Is a Crack to an Opal a Fortuitous Loss?

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One year following the fortuitous loss case Mellon v. Federal Insurance Company, which I wrote about yesterday in The First Discussion of Fortuity...

First Fortuity Case | Property Insurance Coverage Law Blog

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The modern debates over fortuity in all-risk insurance often feel abstract, as if the concept emerged fully formed from mid-twentieth-century treatises or contemporary...

The Basics of All Risk Insurance and Fortuity

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My recent article, What does “Fortuitous” Mean? Why Is “Fortuity” So Important to Property Insurance? seems like a good time to restate some basic...

What Does “Follow the Form” Mean In Modern Insurance Practice?

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Reading Surplus Lines Property Policies in a Tower of Insurance After Ohio Casualty v. Patterson-UTI Energy Commercial property losses involving surplus lines insurance rarely...

What does “Fortuitous” Mean? Why Is “Fortuity” So Important to Property Insurance?

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Insurance disputes often turn on small words that carry enormous consequences. Few words are as deceptively simple and as consequential as “fortuity.” It...

Happy Holidays from Merlin Law Group

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As the year comes to a close, we want to take a moment to wish our clients, colleagues, and friends a joyful holiday...

Why Christmas Is the Right Time to Thank the People We Disagree With

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Christmas Eve has a way of slowing us down, whether we like it or not. The calendar forces a pause. The noise quiets....

Wildfire Smoke Damage Insurance Rights

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As an attorney who has spent years fighting for policyholders, I’ve seen how wildfire recovery has shifted from simple “char and ash” claims...
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