Merlin Law Group

A denied claim may not be the real problem. It could reveal a coverage gap that started before the loss. Learn what to check next. hubs.ly/Q048tdQ40

Property insurance claims pros...join us in Tampa tomorrow for the WIND event! It’s a great chance to earn some CEs and connect with people across the industry. We’ll be there and would love to chat. Register: hubs.ly/Q048npxX0 📍 Marriott Water Street ⏰ 2:30–6:30 PM

Just months into 2026, wildfires have already impacted parts of the U.S. The damage that often goes overlooked? Smoke. Toxic particles can embed in your home and create serious health risks. If you have a #SmokeDamage claim that’s being minimized, contact Merlin Law Group.

ICYMI: Merlin Law Group has formed an alliance with Rutter & Russin, LLC to strengthen policyholder representation in Ohio. As #InsuranceDisputes grow more complex, #Ohio policyholders now have an even stronger team in their corner. Hear more ➡️ hubs.ly/Q047Yrpb0.

Florida’s proposed forensic engineering rules raise a bigger question: are we improving truth in claims, or standardizing outcomes? Read our latest blog post. hubs.ly/Q047-nvc0

Congratulations to Derek Chaiken on being named to the @LABJnews Leaders of Influence: Insurance! Derek has stood by #Policyholders for more than a decade, recovering millions in denied claims and representing families devastated by the 2025 LA County wildfires. Well-deserved!

What is “reasonable care” in a frozen pipe claim? Chip Merlin breaks down a new Washington decision and the facts that can shape coverage. Read more: hubs.ly/Q047KyVF0

State Farm deserves credit for supporting practical wildfire prevention through the “No Fuel – No Fire” campaign. Chip Merlin explains why mitigation matters and why insurers must still keep their promises after a loss. Read more on the blog. hubs.ly/Q047C8tr0

Happy Birthday, Chip! 🎉 Chip founded Merlin Law Group to help people when they need it most. He leads by example, cares deeply about clients, & inspires those around him to grow. We’re proud to be part of what he’s built. Wishing him a great year ahead.

A new Georgia ruling is a sharp reminder that a one year suit limitation can end a claim before the real dispute is ever heard. Chip Merlin explains why delay is dangerous and why deadlines must be taken seriously. Read the blog post. hubs.ly/Q047lnjH0

When courts appoint appraisal umpires, do they favor expertise or neutrality? Chip Merlin breaks down a Wisconsin case that may reveal how judges really think. Read more. hubs.ly/Q0477lQ_0

ICC begins March 23! Christina Phillips will share insights on presenting claims in accordance with policy requirements, while Jonathan Bukowski will cover best practices for claim file documentation. Save your seat! ➡️Use MERLIN50 for $50 off: hubs.ly/Q0470d3f0 #ICC2026

How do judges pick an appraisal umpire? Often, neutrality and credibility matter more than technical expertise. Chip Merlin explains what courts may really be looking for. Read more on the blog. hubs.ly/Q046Xp-X0

Is a tornado a “windstorm”? 🌪️ The Texas Supreme Court said yes, ruling that “windstorm” includes tornadoes. This allowed a higher 2% deductible to apply to a homeowner’s claim. When one word can cost you thousands of dollars, it pays to know your policy’s definitions.

We’re looking forward to the inaugural Iowa Claims Conference (ICC) 2026 in Des Moines—three days of learning, connecting, and talking all things property insurance claims. 📆March 23-25, 2026 👉Use MERLIN50 for $50 off: hubs.ly/Q046NHHb0 #IowaClaimsConference

A fair appraisal depends on a truly impartial umpire. Merlin Attorney Julian Ziaggi explains how policyholders can vet candidates and avoid bias. Read more on the blog. hubs.ly/Q046NjMG0

Florida Coverage College 2026 launched its first-ever session, bringing advanced, Florida-specific analysis to coverage and bad faith attorneys. Our Tampa attorneys were happy to be there & engage with other industry professionals. We're excited about the future of this program!

After a tornado, recovery depends on more than cleanup. Adequate insurance and fair claim payments can determine how fast a community comes back. Chip Merlin explains why in today’s blog post. Read more. hubs.ly/Q046CnQ20

A rare COVID insurance victory out of the Ninth Circuit shows why courts must read the full policy. Chip Merlin explains why this case matters. Read more. hubs.ly/Q046cp2p0

A Texas hail case turned on one basic question: When did the loss happen? If the storm date cannot be proven, the rest of the claim may never get heard. Chip Merlin explains why a solid theory of loss must come first. Read the full post. hubs.ly/Q0463TDV0