Blog

Clearance Before Occupancy: Why EFRU Is Right About Smoke and Soot Testing

Nov 16, 2025 By Chip Merlin

Travelers’ $27 Million Soot and Smoke Case Takes a Turn: The Panel Opinion Has Been Vacated

Nov 15, 2025 By Chip Merlin

Gimme the Money Back! Can an Insurer Change Its Mind After Payment?

Nov 14, 2025 By Chip Merlin

Court Rejects Appraisal Protocol

Nov 13, 2025 By Chip Merlin

Smoke Is Physical Damage Which May Not Be Paid Without Verification

Nov 12, 2025 By Chip Merlin

How Different States Treat Proof of Loss Mistakes and Deficiencies

Nov 11, 2025 By Chip Merlin

Signed, Sworn, and Sealed: The Tower Crossing Lesson Every Public Adjuster Must Learn

Nov 10, 2025 By Chip Merlin

Does Functional Replacement Cost Coverage Make Sense for Older Homes?

Nov 09, 2025 By Chip Merlin

The Price of Homeownership: When Insurance Becomes the Breaking Point

Nov 08, 2025 By Chip Merlin

The Seven-Page Myth: Chubb’s Incredible Claim That It Has No Claims Manuals

Nov 07, 2025 By Chip Merlin

The Stupidity of Taking Matching Out of Actual Cash Value

Nov 06, 2025 By Chip Merlin

When Whistleblowers Speak: Heritage’s Lawsuit Against Its Own Adjuster Opens the Claims Handling Black Box

Nov 05, 2025 By Chip Merlin