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Happy Thanksgiving From Merlin Law Group
Latest from Property Insurance Coverage Law Blog - Page 2
Does your home insurance policy cover Turkey Day Terrors?
Thanksgiving is a time for food, family, and friends. Unfortunately, it can also be a time of fires, home robberies, or even food poisoning. While there is no such thing as “Thanksgiving Insurance,” there is homeowners and renter’s insurance! Unlike
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Builders Risk Insurance and Soft Costs Claims
What “soft costs” of a construction project are covered in a builders risk insurance claim is a frequent question posed. For policyholders, contractors, and those about to undergo a construction project, one of the most important actions to take is
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Policyholder Grateful For Hurricane Michael Trial Win
Merlin Law Group attorneys Javier Delgado and Tony Loe successfully won a jury trial arising from a Hurricane Michael trial in Panama City, Florida, last week. When I spoke with Javier Delgado shortly after the verdict, Javier said that the
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Nevada Insureds Bear Burden of Proving Exceptions to Exclusion Provisions
Exclusion provisions in a policy work to limit the range of coverage by restricting certain events or losses; often serving as a basis to deny a claim. Nevada case law has long held the burden is on the insured to
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How to File a Complaint with the South Dakota Department of Labor and Regulation
The Division of Insurance in South Dakota’s Department of Labor and Regulation (“SDDOI”) seeks to “protect the public and make insurance available and affordable.”1 One of its main functions is to answer consumer questions and investigate consumer complaints. If you
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Business Interruption Exclusion Clauses
It is known that the passage of Hurricane Maria through Puerto Rico in 2017, not only caused structural damage but also other damages that interrupted many public and private services for months. Many businesses had to shut down or limit
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The Champlain Towers Collapse Catastrophe and Purchasing the Right Insurance
I was appointed by the court as the liaison coverage counsel for the putative class members in the collapse of the Champlain Towers South. This week, a team of extraordinarily skilled lawyers that I have been working with filed an
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Public Adjusters Owe a Duty to Properly Comply with Proof of Loss Requirements
One of the basic duties which public adjusters are supposed to accomplish for their policyholder clients is to evaluate the amount of damage and properly file a proof of loss if one is required. I was thinking about this while
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Can Insurance Companies Depreciate Labor Costs in Washington? Insurance Commissioner Stands Up For Policyholders
Insurance companies will no longer be able to write insurance policies which depreciate labor costs when determining actual cash value in Washington. The Washington Insurance Commissioner just made a rule preventing insurance companies from nickeling and diming of their customers
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