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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Paid to Underpay

Paid to Underpay | Chip Merlin | Insurance vs. Policyholder -

Insurance adjusters are frequently trained to guard the carrier’s bottom line, not yours  In recent years, the relationship between policyholders and insurance companies has deteriorated, leading to an explosion in the number of disputes that end up in court. And it’s only going to get worse. The cause of the friction is simple. Insurance carriers […]

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Getting to the Straight Talk

Getting to the Straight Talk | Attorney-Client Relationship | Chip Merlin

An ideal attorney-client relationship depends on honest communication and teamwork Attorneys often get a bad rap. We’re right down there with used-car dealers ready to sell lemons. The stereotype isn’t flattering, but that’s just the way it goes. Many potential clients come into an initial consultation with a strong dose of mistrust regarding the legal […]

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A Tale of Two Perils

A Tale of Two Perils | Chip Merlin | Gaining Justice for Policyholders

Hurricanes cause wind and flood damage, but insurance policies don’t cover both hazards When a hurricane comes to town, you can pretty much count on it doing some serious property damage. If you live in a neighborhood with a high-risk of hurricane loss, you might have discovered in recent years that premiums for hazard insurance […]

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Assessment

Justice For The Policyholder


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