{"id":29113,"date":"2021-04-01T15:42:40","date_gmt":"2021-04-01T19:42:40","guid":{"rendered":"https:\/\/www.propertyinsurancecoveragelaw.com\/?p=29113"},"modified":"2021-04-01T15:42:40","modified_gmt":"2021-04-01T19:42:40","slug":"the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders","status":"publish","type":"post","link":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/","title":{"rendered":"The Marring Protocol and Other Unfair Methods to Underpay Florida Policyholders"},"content":{"rendered":"<p>Florida policyholders are systematically ripped off because senior claims managers instruct field adjusters to underpay claims through various methods that are not fair.<!--more--><\/p>\n<p>An example is from an independent adjustment firm, <a href=\"https:\/\/www.seibels.com\/\" target=\"_blank\" rel=\"noopener\">Siebles<\/a>, with a claims directive to field adjusters. This <a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2021\/04\/St.-Johns-Protocol-1.pdf\" target=\"_blank\" rel=\"noopener\"><em>Wind and Hail Loss Investigation<\/em><\/a> claim directive indicates that St. John\u2019s Insurance has a marring protocol which Siebles adjusters must follow when considering wind and hail claims:<\/p>\n<blockquote><p>On hail reported losses we need to ensure the marring protocol is followed. Please be cognizant of the following considerations:<\/p>\n<p style=\"padding-left: 40px\"><strong>\u00b7<\/strong>No interior damages noted.<\/p>\n<p style=\"padding-left: 40px\">\u00b7No attic damage noted.<\/p>\n<p style=\"padding-left: 40px\">\u00b7Exterior screen damage questionable.<\/p>\n<p style=\"padding-left: 40px\">\u00b7Dings on downspouts and window frames appear to be from installation or imperfections in the materials.<\/p>\n<p style=\"padding-left: 40px\">\u00b7Damage to the roof appears to be minimal and does not appear to affect the overall integrity of the roof.<\/p>\n<p style=\"padding-left: 40px\">\u00b7Heavy granular loss noted (aging\/wear &amp; tear) making impact hits difficult to distinguish.<\/p>\n<p>If claims meet the above criteria, they may qualify for the SJIC marring protocol.<\/p><\/blockquote>\n<p>A marring protocol? I wonder if St. John\u2019s Insurance Company shares this with their customers, so they understand how their claims are being handled. The claims directive seems to severely limit the authority of adjusters who are assigned the responsibility to adjust the loss.<\/p>\n<p>The bottom line is that most people not in the claims adjustment business have no idea that the nice and polite ads by insurance companies promising fair service are completely contrary to many claims directives that limit and delay the amount paid on claims.<\/p>\n<p><strong>Thought For The Day<\/strong><\/p>\n<p><em><strong>I once told Nixon that the Presidency is like being a jackass caught in a hail storm. You&#8217;ve got to just stand there and take it.<\/strong><\/em><br \/>\n<em>\u2014Lyndon B. Johnson<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Florida policyholders are systematically ripped off because senior claims managers instruct field adjusters to underpay claims through various methods that are not fair.<\/p>\n","protected":false},"author":11,"featured_media":25838,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[],"tags":[31,4],"class_list":["post-29113","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-claims-handling","tag-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Marring Protocol and Other Unfair Methods to Underpay Florida Policyholders | Property Insurance Coverage Law Blog<\/title>\n<meta name=\"description\" content=\"April 1, 2021 Florida policyholders are systematically ripped off because senior claims managers instruct field adjusters to underpay claims through various methods\" \/>\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\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Marring Protocol and Other Unfair Methods to Underpay Florida Policyholders | Property Insurance Coverage Law Blog\" \/>\n<meta property=\"og:description\" content=\"April 1, 2021 Florida policyholders are systematically ripped off because senior claims managers instruct field adjusters to underpay claims through various methods\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/\" \/>\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=\"2021-04-01T19:42:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2020\/02\/underpay-iStock-1175730597-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1257\" \/>\n\t<meta property=\"og:image:height\" content=\"835\" \/>\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=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/\"},\"author\":{\"name\":\"Chip Merlin\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/afcea553aa14bf3d76866bb59b841f37\"},\"headline\":\"The Marring Protocol and Other Unfair Methods to Underpay Florida Policyholders\",\"datePublished\":\"2021-04-01T19:42:40+00:00\",\"dateModified\":\"2021-04-01T19:42:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/\"},\"wordCount\":298,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2020\/02\/underpay-iStock-1175730597-1.jpg\",\"keywords\":[\"Claims Handling\",\"Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/\",\"name\":\"The Marring Protocol and Other Unfair Methods to Underpay Florida Policyholders | Property Insurance Coverage Law Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2020\/02\/underpay-iStock-1175730597-1.jpg\",\"datePublished\":\"2021-04-01T19:42:40+00:00\",\"dateModified\":\"2021-04-01T19:42:40+00:00\",\"description\":\"April 1, 2021 Florida policyholders are systematically ripped off because senior claims managers instruct field adjusters to underpay claims through various methods\",\"breadcrumb\":{\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#primaryimage\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2020\/02\/underpay-iStock-1175730597-1.jpg\",\"contentUrl\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2020\/02\/underpay-iStock-1175730597-1.jpg\",\"width\":1257,\"height\":835},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The Marring Protocol and Other Unfair Methods to Underpay Florida Policyholders\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/#website\",\"url\":\"https:\/\/www.propertyinsurancecoveragelaw.com\/\",\"name\":\"Property Insurance Coverage Law Blog\",\"description\":\"The Policyholder&#039;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 &amp; 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":"The Marring Protocol and Other Unfair Methods to Underpay Florida Policyholders | Property Insurance Coverage Law Blog","description":"April 1, 2021 Florida policyholders are systematically ripped off because senior claims managers instruct field adjusters to underpay claims through various methods","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\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/","og_locale":"en_US","og_type":"article","og_title":"The Marring Protocol and Other Unfair Methods to Underpay Florida Policyholders | Property Insurance Coverage Law Blog","og_description":"April 1, 2021 Florida policyholders are systematically ripped off because senior claims managers instruct field adjusters to underpay claims through various methods","og_url":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/","og_site_name":"Property Insurance Coverage Law Blog","article_publisher":"https:\/\/www.facebook.com\/MerlinLawGroup\/","article_published_time":"2021-04-01T19:42:40+00:00","og_image":[{"width":1257,"height":835,"url":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2020\/02\/underpay-iStock-1175730597-1.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":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#article","isPartOf":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/"},"author":{"name":"Chip Merlin","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#\/schema\/person\/afcea553aa14bf3d76866bb59b841f37"},"headline":"The Marring Protocol and Other Unfair Methods to Underpay Florida Policyholders","datePublished":"2021-04-01T19:42:40+00:00","dateModified":"2021-04-01T19:42:40+00:00","mainEntityOfPage":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/"},"wordCount":298,"commentCount":0,"publisher":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#organization"},"image":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#primaryimage"},"thumbnailUrl":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2020\/02\/underpay-iStock-1175730597-1.jpg","keywords":["Claims Handling","Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/","name":"The Marring Protocol and Other Unfair Methods to Underpay Florida Policyholders | Property Insurance Coverage Law Blog","isPartOf":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#primaryimage"},"image":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#primaryimage"},"thumbnailUrl":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2020\/02\/underpay-iStock-1175730597-1.jpg","datePublished":"2021-04-01T19:42:40+00:00","dateModified":"2021-04-01T19:42:40+00:00","description":"April 1, 2021 Florida policyholders are systematically ripped off because senior claims managers instruct field adjusters to underpay claims through various methods","breadcrumb":{"@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#primaryimage","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2020\/02\/underpay-iStock-1175730597-1.jpg","contentUrl":"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2020\/02\/underpay-iStock-1175730597-1.jpg","width":1257,"height":835},{"@type":"BreadcrumbList","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/the-marring-protocol-and-other-unfair-methods-to-underpay-florida-policyholders\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.propertyinsurancecoveragelaw.com\/"},{"@type":"ListItem","position":2,"name":"The Marring Protocol and Other Unfair Methods to Underpay Florida Policyholders"}]},{"@type":"WebSite","@id":"https:\/\/www.propertyinsurancecoveragelaw.com\/#website","url":"https:\/\/www.propertyinsurancecoveragelaw.com\/","name":"Property Insurance Coverage Law Blog","description":"The Policyholder&#039;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 &amp; 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\/29113","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=29113"}],"version-history":[{"count":0,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/posts\/29113\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/media\/25838"}],"wp:attachment":[{"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/media?parent=29113"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/categories?post=29113"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/propertyinsurancecoveragelaw.com\/wp-json\/wp\/v2\/tags?post=29113"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}