{"id":22914,"date":"2019-03-24T00:15:30","date_gmt":"2019-03-24T04:15:30","guid":{"rendered":"https:\/\/www.propertyinsurancecoveragelaw.com\/?p=22914"},"modified":"2019-03-24T00:15:30","modified_gmt":"2019-03-24T04:15:30","slug":"can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads","status":"publish","type":"post","link":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/","title":{"rendered":"Can My Insurance Company Deduct Labor Costs When I Have A Replacement Cost Policy? What Allstate Does Not Say In Its Ads"},"content":{"rendered":"

Can you imagine Allstate Insurance Company running an advertisement explaining that it tries to deduct labor costs as depreciable items when you make a homeowners claim? Allstate runs television ads trying to warn against \u201ccheap\u201d insurance but fails to disclose that it instructs its claims adjusters to cheapen its insurance product when it comes to paying its customers\u2019 insurance claims.<\/p>\n

Most, but not all, insurance companies sell \u201creplacement cost\u201d insurance which is truly not replacement because the small print in the policy allows, but does not force, them to only pay the \u201cactual cash value\u201d of a claim until you actually replace or repair the damaged property. Some insurance companies sell true replacement cost insurance and fully pay replacement cost coverage immediately after a loss. Chubb and AMICA are examples of companies that honestly advertise and pay on a replacement cost basis.<\/p>\n

I was always taught that an insurance company could only depreciate the physical cost of materials as they age to determine actual cash value. Some insurance companies are now challenging this longstanding property insurance concept, and some have even changed their small print to allow a loophole and depreciate labor.<\/p>\n

Merlin Law Group recently filed an amicus brief<\/a> on behalf of United Policyholders on this issue. We attached a 1982 publication<\/a> to support our position that property insurance adjusters were historically taught to depreciate only physical costs and not labor. Labor was taught to be a cost which cannot be depreciated because labor does not suffer wear and tear and does not become obsolete.<\/p>\n

Some insurance company claims managers for some companies have their creative insurance lawyers argue the opposite and against their customers\u2019 interests to depreciate labor. Allstate and other insurers are obviously doing this. These insurers and their agents should be honest and warn their customers about this claims adjustment tactic which cheapens the insurance they sell. Unlike Allstate, many insurance companies treat their customers fairly and do not depreciate labor.<\/p>\n

United Policyholders<\/a> is a wonderful organization and the best in the country at watching out for policyholder interests. We happily volunteered our expertise and time, free of charge, to help with this brief and explained to the court how United Policyholders advocates for policyholder interests in cases like this:<\/p>\n

UP submits that its participation and briefing will assist the Court in answering the question before this Court that has not yet been definitively answered in Ohio. The issue involved in this case \u2013 depreciation of labor and other non- physical items in the context of actual cash value adjustments of homeowners\u2019 claims \u2013 has significant ramifications for Ohio insurance policyholders. When insurers reduce claim payouts by depreciating labor, and other non-physical cost items, they are failing to meet their duty to indemnify insureds for a necessary cost of restoring insured assets to pre-loss conditions. This is an area of law in which UP and the undersigned attorneys submit it would be useful to the Court to allow the insurance policyholders’ perspective to be heard.<\/p>\n

As an advocate for insurance consumers around the country, UP has a vital interest in the outcome of this case. Its brief will assist the Court by setting forth viewpoints otherwise not advanced that should be considered by the Court.<\/p>\n

The undersigned counsel for UP have significant experience in first-party property insurance litigation against major insurance companies, such as Allstate Indemnity Company, and the eight affiliated companies that are involved in this appeal, and honestly believe they will be able to assist jurists analyzing the insurance issues of this case and their public policy implications in a way that compliments and dovetails with the arguments raised by counsel for the parties. Counsel for UP is retained pro bono, and will accept no money for their legal work in this case.<\/p><\/blockquote>\n

If you are being shortchanged by insurance companies that advertise they fully pay claims but then act differently, please do not hesitate to reach out to a Merlin Law Group attorney for a free consultation. You can also research other claim recovery issues and learn about policyholder rights by using the search function of this blog.<\/p>\n

Quote For The Day<\/strong><\/p>\n

Advertising is legalized lying.<\/strong><\/em>
\n\u2014H.G. Wells<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Can you imagine Allstate Insurance Company running an advertisement explaining that it tries to deduct labor costs as depreciable items when you make a homeowners claim? Allstate runs television ads trying to warn against \u201ccheap\u201d insurance but fails to disclose that it instructs its claims adjusters to cheapen its insurance product when it comes to …<\/span><\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[],"tags":[172,6,292,4,170,187],"class_list":["post-22914","post","type-post","status-publish","format-standard","hentry","tag-actual-cash-value","tag-allstate","tag-depreciation-of-labor","tag-insurance","tag-replacement-cost","tag-united-policyholders"],"acf":[],"yoast_head":"\nCan My Insurance Company Deduct Labor Costs When I Have A Replacement Cost Policy? What Allstate Does Not Say In Its Ads | Property Insurance Coverage Law Blog<\/title>\n<meta name=\"description\" content=\"March 24, 2019 Can you imagine Allstate Insurance Company running an advertisement explaining that it tries to deduct labor costs as depreciable items when you make a\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can My Insurance Company Deduct Labor Costs When I Have A Replacement Cost Policy? What Allstate Does Not Say In Its Ads | Property Insurance Coverage Law Blog\" \/>\n<meta property=\"og:description\" content=\"March 24, 2019 Can you imagine Allstate Insurance Company running an advertisement explaining that it tries to deduct labor costs as depreciable items when you make a\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/\" \/>\n<meta property=\"og:site_name\" content=\"Property Insurance Coverage Law Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MerlinLawGroup\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-24T04:15:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2023\/12\/share-merlin-law-group.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Chip Merlin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@MerlinLawGroup\" \/>\n<meta name=\"twitter:site\" content=\"@MerlinLawGroup\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chip Merlin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/\"},\"author\":{\"name\":\"Chip Merlin\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/afcea553aa14bf3d76866bb59b841f37\"},\"headline\":\"Can My Insurance Company Deduct Labor Costs When I Have A Replacement Cost Policy? What Allstate Does Not Say In Its Ads\",\"datePublished\":\"2019-03-24T04:15:30+00:00\",\"dateModified\":\"2019-03-24T04:15:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/\"},\"wordCount\":715,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization\"},\"keywords\":[\"Actual Cash Value\",\"Allstate\",\"Depreciation of Labor\",\"Insurance\",\"Replacement Cost\",\"United Policyholders\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/\",\"name\":\"Can My Insurance Company Deduct Labor Costs When I Have A Replacement Cost Policy? What Allstate Does Not Say In Its Ads | Property Insurance Coverage Law Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#website\"},\"datePublished\":\"2019-03-24T04:15:30+00:00\",\"dateModified\":\"2019-03-24T04:15:30+00:00\",\"description\":\"March 24, 2019 Can you imagine Allstate Insurance Company running an advertisement explaining that it tries to deduct labor costs as depreciable items when you make a\",\"breadcrumb\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Can My Insurance Company Deduct Labor Costs When I Have A Replacement Cost Policy? What Allstate Does Not Say In Its Ads\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#website\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/\",\"name\":\"Property Insurance Coverage Law Blog\",\"description\":\"The Policyholder's Advocate\u00ae\",\"publisher\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization\"},\"alternateName\":\"Merlin Law Group Blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization\",\"name\":\"Merlin Law Group\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2018\/07\/Merlin-Logo-1.png\",\"contentUrl\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2018\/07\/Merlin-Logo-1.png\",\"width\":1100,\"height\":285,\"caption\":\"Merlin Law Group\"},\"image\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/MerlinLawGroup\/\",\"https:\/\/x.com\/MerlinLawGroup\",\"https:\/\/youtube.com\/merlinlawgroup\",\"https:\/\/www.linkedin.com\/company\/merlin-law-group\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/afcea553aa14bf3d76866bb59b841f37\",\"name\":\"Chip Merlin\",\"description\":\"Since 1983, Chip Merlin has served as a plaintiff\u2019s attorney with a focus on commercial & residential property insurance claim disputes and bad faith insurance litigation. Chip is a noted national authority on insurance bad faith, lecturing to national trade groups and publishing a number of papers and articles on the subject for organizations such as The American Association for Justice, The Florida Justice Association, The Windstorm Insurance Network, and Trial Magazine. As founder and president of Merlin Law Group, Chip has dedicated his practice to the representation and advocacy of insurance policyholders in disputes with insurance companies nationwide. Chip served as Chair for the Bad Faith Insurance Litigation Group and Secretary for the Fire and Property Insurance Litigation Group for the American Association for Justice (formerly known as the Association of Trial Lawyers of America). He was also Vice-Chair for the Subcommittee on Property Insurance Law for the American Bar Association. Read More...\",\"sameAs\":[\"https:\/\/www.merlinlawgroup.com\/attorneys\/william-f-chip-merlin-jr-esq\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Can My Insurance Company Deduct Labor Costs When I Have A Replacement Cost Policy? What Allstate Does Not Say In Its Ads | Property Insurance Coverage Law Blog","description":"March 24, 2019 Can you imagine Allstate Insurance Company running an advertisement explaining that it tries to deduct labor costs as depreciable items when you make a","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/","og_locale":"en_US","og_type":"article","og_title":"Can My Insurance Company Deduct Labor Costs When I Have A Replacement Cost Policy? What Allstate Does Not Say In Its Ads | Property Insurance Coverage Law Blog","og_description":"March 24, 2019 Can you imagine Allstate Insurance Company running an advertisement explaining that it tries to deduct labor costs as depreciable items when you make a","og_url":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/","og_site_name":"Property Insurance Coverage Law Blog","article_publisher":"https:\/\/www.facebook.com\/MerlinLawGroup\/","article_published_time":"2019-03-24T04:15:30+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2023\/12\/share-merlin-law-group.jpg","type":"image\/jpeg"}],"author":"Chip Merlin","twitter_card":"summary_large_image","twitter_creator":"@MerlinLawGroup","twitter_site":"@MerlinLawGroup","twitter_misc":{"Written by":"Chip Merlin","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/#article","isPartOf":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/"},"author":{"name":"Chip Merlin","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/afcea553aa14bf3d76866bb59b841f37"},"headline":"Can My Insurance Company Deduct Labor Costs When I Have A Replacement Cost Policy? What Allstate Does Not Say In Its Ads","datePublished":"2019-03-24T04:15:30+00:00","dateModified":"2019-03-24T04:15:30+00:00","mainEntityOfPage":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/"},"wordCount":715,"commentCount":2,"publisher":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization"},"keywords":["Actual Cash Value","Allstate","Depreciation of Labor","Insurance","Replacement Cost","United Policyholders"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/","name":"Can My Insurance Company Deduct Labor Costs When I Have A Replacement Cost Policy? What Allstate Does Not Say In Its Ads | Property Insurance Coverage Law Blog","isPartOf":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#website"},"datePublished":"2019-03-24T04:15:30+00:00","dateModified":"2019-03-24T04:15:30+00:00","description":"March 24, 2019 Can you imagine Allstate Insurance Company running an advertisement explaining that it tries to deduct labor costs as depreciable items when you make a","breadcrumb":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/can-my-insurance-company-deduct-labor-costs-when-i-have-a-replacement-cost-policy-what-allstate-does-not-say-in-its-ads\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.propertyinsurancecoveragelaw.com\/"},{"@type":"ListItem","position":2,"name":"Can My Insurance Company Deduct Labor Costs When I Have A Replacement Cost Policy? What Allstate Does Not Say In Its Ads"}]},{"@type":"WebSite","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#website","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/","name":"Property Insurance Coverage Law Blog","description":"The Policyholder's Advocate\u00ae","publisher":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization"},"alternateName":"Merlin Law Group Blog","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.propertyinsurancecoveragelaw.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization","name":"Merlin Law Group","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2018\/07\/Merlin-Logo-1.png","contentUrl":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2018\/07\/Merlin-Logo-1.png","width":1100,"height":285,"caption":"Merlin Law Group"},"image":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/MerlinLawGroup\/","https:\/\/x.com\/MerlinLawGroup","https:\/\/youtube.com\/merlinlawgroup","https:\/\/www.linkedin.com\/company\/merlin-law-group\/"]},{"@type":"Person","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/afcea553aa14bf3d76866bb59b841f37","name":"Chip Merlin","description":"Since 1983, Chip Merlin has served as a plaintiff\u2019s attorney with a focus on commercial & residential property insurance claim disputes and bad faith insurance litigation. Chip is a noted national authority on insurance bad faith, lecturing to national trade groups and publishing a number of papers and articles on the subject for organizations such as The American Association for Justice, The Florida Justice Association, The Windstorm Insurance Network, and Trial Magazine. As founder and president of Merlin Law Group, Chip has dedicated his practice to the representation and advocacy of insurance policyholders in disputes with insurance companies nationwide. Chip served as Chair for the Bad Faith Insurance Litigation Group and Secretary for the Fire and Property Insurance Litigation Group for the American Association for Justice (formerly known as the Association of Trial Lawyers of America). He was also Vice-Chair for the Subcommittee on Property Insurance Law for the American Bar Association. Read More...","sameAs":["https:\/\/www.merlinlawgroup.com\/attorneys\/william-f-chip-merlin-jr-esq\/"]}]}},"_links":{"self":[{"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/posts\/22914","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/comments?post=22914"}],"version-history":[{"count":0,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/posts\/22914\/revisions"}],"wp:attachment":[{"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/media?parent=22914"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/categories?post=22914"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/tags?post=22914"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}