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The Insurance Industry’s Quiet War Against Public Adjusters Update

I recently wrote about a controversial lawsuit involving anti-public adjuster endorsements being used by surplus lines insurers in The Insurance Industry’s New Playbook:...

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The Insurance Industry’s Quiet War Against Public Adjusters Update

I recently wrote about a controversial lawsuit involving anti-public adjuster endorsements being used by surplus lines insurers in The Insurance Industry’s New Playbook:...

Where Did the Term “Lowballing” Come From?

Insurance lawyers hear the term “lowballing” all the time. Public adjusters say carriers are lowballing claims. Policyholders complain that insurers are lowballing estimates....

Renewals Don’t Have to Be a Fire Drill

This article is part of a sponsored series by dyad. After 30...

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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...

Public Adjuster Contract Compliance – Who is Responsible When Rules Are Not Clear?

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(Chip’s Note: From time to time, someone makes a career decision that says more about values than ambition, and those are the choices...

A Wrong Insurance Application Answer Destroys Coverage

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Insurance cases often turn on small words with enormous consequences. Few illustrate this better than a recent Arkansas appellate decision in Hiscox Dedicated...

Tackling the Toxic Aftermath: Insights from United Policyholders’ “Wildfire Smoke Damage and Your Insurance Rights” Webinar

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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...

The “Cosmetic Damage Exclusion” Won: What a Court Said About Hail-Dented Metal Roofs

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A federal court decision from Minnesota provides a sobering look at how cosmetic damage exclusions may be interpreted in hail-damage cases involving metal...
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