California fire insurance policies must provide an insured a minimum of 12 months from the “inception of the loss” to bring any “suit or action on the policy for recovery of any claim.” Cal. Ins. Code § 2071. In 2024, the California Supreme Court interpreted this to include causes action for breach of contract and …
Merlin Law Group, P.A.
Merlin Law Group is a national insurance claim litigation firm that handles commercial property insurance claims, residential property insurance claims and bad faith claims. Our dedicated team of insurance attorneys are committed to resolving your property insurance claims.
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Residential Property Damage Lawyers Beware: Court Excludes Expert’s Estimate Finding an Estimate Is Not an Adjustment
Hurricane claims attorneys know that the estimate of damages caused by a storm is the foundation of every favorable judgment and jury verdict. Recently, in a Hurricane Laura case, the United States Fifth Circuit Court of Appeal affirmed the district court’s exclusion of the Defendant-Insurer’s engineer’s estimate based upon the finding that he was not ……
When Artificial Intelligence Becomes Wrongful Intelligence in Claims Handling
The latest revelations about Allstate’s use of artificial intelligence (AI) in drafting insurance claims emails should serve as a wake-up call for policyholders, insurance regulators, and insurance industry claims handlers. According to a report from Futurism, Allstate Is Demanding We Delete These Quotes by Its Exec About How It’s Using AI to Write Insurance Emails,1 ……
The Emotional Impact of Recovery from Wildfires
Can you imagine going through the burned debris of what used to be your business or home, looking for anything that may be left of important sentimental value? Little things of personal property carry immense emotional value to us because they often serve as tangible symbols of our intangible experiences, relationships, and identities. When speaking ……
Roofers Respond to Possible Shingle Ban Arguing Like a Property Damage Lawyer
Florida’s Insurance Commissioner, Mike Yaworsky, is not only going to hear from property damage attorneys about oversight of insurance companies, but he also certainly has the attention of Florida’s roofing industry after suggesting a ban on asphalt shingles. An article written by Ron Hurtibise and republished in the Tampa Bay Times, “Asphalt Shingle Roofs Lose ……
What to Expect after a California Wildfire Property Damage Event
Will My Insurer Pay Me 100% of My Contents Claim After a Wildfire Loss? California’s Insurance Commissioner Thinks They Should Without an Inventory Experiencing the loss of your home and personal belongings in a wildfire is an unimaginable hardship. The devastation from a California wildfire property damage event can leave individuals struggling to rebuild their ……
Are Leaders Supporting Insurance Affordability and Structural Resilience Honestly?
The conversation around insurance affordability often overlooks one crucial element: long-term structural resilience. The second issue overlooked is short-term cost. Why aren’t our leaders being honest with these issues? Are they afraid to speak about the elephant-in-the-room issues? While many leaders in the insurance community focus on cost-cutting and short-term fixes, it is essential to recognize ……
Bad Faith Insurance Practices Shielded By “Get Out of Jail Free” Late Payments
California Wildfire Attorneys Consider Impact of New Smoke Caselaw
A Shift in Smoke Damage Claims Following Recent Holding California wildfire attorneys are closely analyzing a recent appellate court holding that sets a new precedent for smoke damage claims.1 The decision, stemming from a case involving the Saddle Ridge Fire, clarifies that property owners must demonstrate a distinct, demonstrable, and physical alteration to prove a ……