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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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Merlin Law Group, P.A. Blogs
Latest from Merlin Law Group, P.A.
Private Equity Meets Public Adjusting: Opportunity or Alarm Bell?
By Chip Merlin
There’s a curious echoing through the hallways of the public adjusting industry. Private equity is knocking on the door. It is not just knocking politely but banging with a battering ram made of spreadsheets, valuations, and ambitious acquisition plans. I personally know of at least four private equity deals that have already gone through involving ……
ACV, RCV, and GCOP: Why the Ninth Circuit’s Ruling Matters to Claims Professionals and Policyholders
By Chip Merlin
This week’s ruling by the Ninth Circuit in Dow v. Safeco Insurance Company of America 1 serves as a timely reminder for claims professionals to revisit how to interpret actual cash value (ACV), replacement cost value (RCV), and general contractor overhead and profit (GCOP) under property insurance policies which define the terms. This case, which ……
Every Claims Professional Must Read Putnam Now: Emotional Recovery After Wildfire Loss
By Chip Merlin
Following the devastating 2025 Los Angeles wildfires, claims professionals across the country are once again on the media and actual frontlines of a crisis that extends far beyond burned structures and blackened landscapes. The physical damage is immense, but the emotional toll on survivors runs deeper and lasts longer than most realize. A recent must-read ……
Employee Dishonesty Claims—How Far Back Does Coverage Extend?
By Chip Merlin
When businesses think about protecting themselves from risk, they often focus on property damage, natural disasters, or customer lawsuits. However, one of the most damaging and often overlooked threats comes from within: employee theft. No matter the size of your business, a dishonest employee can cause massive financial harm—and many business owners find out too ……
California’s AB 597 Threatens to Limit Access to Public Adjusters After Disasters
Partial Denials Start Statute of Limitations Time Clock in National Flood Claims
By Chip Merlin
When handling National Flood Insurance Program (NFIP) claims, public adjusters and policyholders must be alert to critical warning signs. One of the most important phrases to recognize is: “We denied a portion of your claim.” Those few words, even if buried in a lengthy letter, should ring loud alarm bells. Under NFIP rules, a partial ……
Amy Bach and United Policyholders: A Lasting Legacy of Advocacy and Action for Insurance Consumers
By Chip Merlin
Few voices for policyholder interests and their rights have remained as consistent, credible, and compassionate as Amy Bach and her team at United Policyholders. I spent yesterday afternoon in Sonoma, California, speaking with Amy, a number of her current and former professional staff members, volunteers who have worked the Maui and Los Angeles wildfires, and ……
Keep Track of Your Insurance Policies—Make Insurance Checkups
By Chip Merlin
Most people don’t think much about their insurance policies after they buy them. A bill shows up, they pay it, and life moves on. Insurance becomes almost invisible—until something happens. A catchy TV ad might remind them to shop around for a better rate, but otherwise, the details of their coverage stay buried in paperwork ……
Is It Proper for Field Adjusters to Only Look for What the Insured Shows as Damage?
By Chip Merlin
Imagine this: your Florida home has just been torn apart by a hurricane. You’re exhausted, overwhelmed, and trying to show the insurance adjuster the gaping hole in the roof. Maybe you forget to mention the water-soaked baseboards or the sagging ceiling across the house. Maybe you don’t even notice the cracked foundation because you’re focused ……