Making Mountains Out of Molehills

Making Mountains Out of Molehills | Class-Action Lawsuits | Chip Merlin

What might seem to be a small claim can actually turn into a class-action lawsuit Sometimes the craziest thing can trigger a class action lawsuit that turns a small claim for an individual into a multimillion-dollar settlement on behalf of a large number of people. That’s what happened when I went to see my massage […]

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The Perils of Coinsurance Penalties

The Perils of Coinsurance Penalties | Chip Merlin | Expert Lawyer

Underinsuring your property exposes you to more than loss risk. It could trigger coinsurance penalties. Believe it or not, some people deliberately underinsure their property just to save a few pennies on insurance premiums. The old saying of pennywise pound foolish certainly applies in these cases. Other policyholders don’t know they’re underinsured because they haven’t […]

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A Match Made in Heaven

A Match Made in Heaven | Chip Merlin | Policyholder Attorney

Finding the right business insurance agent takes work, but the effort will pay off in the event of a loss You can insure just about anything, even your dog. If you’re willing to pay, there’s an insurance company willing to play. When it comes to business insurance, however, the last thing you want to do […]

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All Fired Up

All Fired Up | Chip Merlin | Wildfires | Attorney for Policyholders

Massive California wildfires proliferate, sparking high-stakes risks for insurance companies Get ready for the big one! That’s been a long-standing joke, albeit a jest uttered with an underlying foundation of fear when the denizens of California refer to the likelihood that a giant earthquake will shear the state off from the rest of the continent […]

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Sometimes Hurricanes Get Personal

Sometimes Hurricanes Get Personal | Chip Merlin | Insurance Justice

When Hurricane Michael roared ashore in 2018, it devastated a community I love When a monster hurricane is about to hit your region, a sense of helplessness takes hold. You watch The Weather Channel with mounting dread, and when the inevitable occurs the entire situation still seems surreal. That’s what happened with Hurricane Michael as […]

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Burning Down the House

Burning Down the House | Insurance Fraud | Chip Merlin

Insurance fraud like arson casts suspicions on legitimate property damage claims If torching a building to get the insurance money wasn’t so wrong, it would almost be a cliché. The crime is certainly up in lights in Hollywood from time to time as films depict desperate individuals committing arson to weasel out of a tough […]

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The Early Bird Gets the Worm

The Early Bird Gets the Worm | Property Damage Loss | Chip Merlin

After a property damage loss, notify your insurer right away and file mandatory proofs of loss  I can’t tell you how many times I’ve had to give clients the bad news that the insurance they paid for won’t cover their claim because they failed to file a formal proof-of-loss form in a timely manner. Just […]

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Who Pays?

Who Pays? | Flooding & Wind Damage | Lessons From Hurricane Florence | Chip Merlin

The double whammy of wind and flood damage from hurricanes can be a policyholder’s nightmare Which came first, the chicken or the egg? That’s a question that has been debated for thousands of years. The prevailing wisdom is that a non-chicken junglefowl laid an egg that contained the basic genetic makeup of a bird that […]

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Forty Days, Forty Nights

Forty Days, Forty Nights | Chip Merlin

Hurricane Harvey brought flooding of biblical proportions to Houston, Texas. Is this the new normal? At about 11 p.m. on August 25, 2017, Hurricane Harvey swept ashore in Texas as a Category 4 tropical cyclone with winds in excess of 130 mph. Then the storm stalled over Houston for several days. More than 50 inches […]

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The Harsh Reality of Health Insurance

The Harsh Reality of Health Insurance | Chip Merlin

It’s no secret that most insurance carriers don’t want to pay up, and it’s no different in healthcare Health insurance, or the lack thereof, has been a hot-button issue in political circles for years. Just think about the Affordable Care Act, otherwise known as Obamacare, that got pushed through Congress in 2010. Regardless of where […]

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Justice For The Policyholder


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