Policyholders

National Flood Claims Have a One-Year Statute of Limitations

Dec 23, 2024 By Chip Merlin

National Flood Proofs of Loss for Hurricanes Helene and Milton Extended to 180 Days

Dec 20, 2024 By Chip Merlin

When is a Collapse Not a Collapse? The Importance of Proving Damages for Partial Losses

Dec 17, 2024 By Chip Merlin

The Importance of Understanding “Residence Premises” in Homeowner’s Insurance—Where You Reside Is Often an Important Coverage Issue

Dec 14, 2024 By Chip Merlin

Don’t Let Insurers Play the Mismatched Game: NAIC Standards Require Matching and Uniform Appearance

Dec 05, 2024 By Chip Merlin

Vacancy Exclusions for “Vandalism” Should Not Apply to Arson Fires

Dec 05, 2024 By Chip Merlin

Who Is the Insurer? Does the Binder Matter?

Dec 04, 2024 By Chip Merlin

Unlock the Answers: How to Use the Blog’s Search Function Like a Pro!

Dec 02, 2024 By Chip Merlin

State Farm Wins Worn-Out Plumbing Case: Ensuing Water Damage Not Covered Under State Farm’s Language

Dec 01, 2024 By Chip Merlin

State Farm Wins Texas Worn-Out Roof Damage Case: Lesson About Texas Hail Damage Cases, Expert Testimony, and the Very Unique Texas Concurrent Causation Rule

Nov 30, 2024 By Chip Merlin

When Is a Policy “Blanket”? A Recent Court Decision Shows It’s Not Always Clear Cut

Nov 24, 2024 By Chip Merlin

Inflation Guard Endorsements: A Possible Double-Edged Sword for Property Insurance Coverage

Nov 23, 2024 By Chip Merlin