Percentage-based deductibles deserve a closer look. For example: 💲 A 2% deductible on a $1M property means $20,000 out of pocket, regardless of the damage amount. Merlin Law Group helps policyholders understand how deductibles apply to avoid costly surprises during a claim.

Bad weather doesn’t always mean coverage under federal crop insurance. Chip unpacks a case where a farmer faced real weather impacts but still lost his claim after the USDA pointed to farming practices instead. Worth a read if you handle these claims:

#IRE2026 is THE event for roofers & contractors. Insurance questions eventually come with the job, & understanding the process early can make all the difference. Register at https://t.co/Pq8pT9eab3 | Use code INVITES193 📍Booth 1544 | Jan 20–22 | Vegas #Roofers #Contractors

Higher homeowner insurance premiums don't guarantee better coverage. In @Law360, Brian Braddy highlights how, despite rising premiums, homeowners are facing more exclusions and lengthy approval processes, driving more disputes to litigation. Read more 🔗 https://t.co/U67ig1zT1T.

It's been one year since The Altadena & Palisades fires, many homeowners are still facing unanswered questions about smoke contamination & insurance investigations. Derek Chaiken shares what these claims revealed & what still needs to change. Read more: https://t.co/1SOwu61Wop

A year after the LA wildfires, many survivors are still fighting to be made whole. The loud debates focus on rates and regulation. The quieter reality? Claims that take too long, pay too little, and wear people down. Read more from Chip:

One year has passed since the L.A. wildfires strained California’s insurer of last resort. Since then, lawmakers have overhauled the FAIR Plan. In Daily Journal, Dan Veroff explained how wildfire losses are now financed and the impact on homeowners 🔗 https://t.co/aJg5cjKtqz.

RoofCON wrapped up today in OKC. It was great connecting with so many roofing and insurance industry professionals at the event! Chip Merlin shared a short recap from his speech with Larry Bache and Drew Houghton. Full post on the blog: https://t.co/bvI8JcVrQn

As we settle into a new year, consider reviewing your insurance policy for peace of mind in 2026. Look into exclusions for common types of damage, whether your coverage limits still match your property’s value, and post-loss deadlines like proof of loss and supplemental claims.

This week marks the anniversary of the #LAWildfires. For many survivors, recovery didn’t begin right away. Insurance delays and confusion have added to the strain. Chip reflects on these challenges & why advocacy matters more than ever right now:

Headlines say $22.4B has been paid after the CA wildfires. But many of these payments are early advances, not finished claims. For lots of policyholders, the hardest coverage issues come later. Read Chip's full analysis: https://t.co/PVETSxzhrv #CaliforniaWildfireClaims

As we look back on 2025, a few trends shaped insurance claims: 🌩️ Record weather-related losses. 🖥️ Increased oversight of AI in claims. 🏗️ Rising construction costs widening estimate gaps. What trends do you expect to see in 2026?

As our 40th anniversary year comes to a close, we’re looking ahead to what’s next for Merlin Law Group. Our team has reflected on what this means. Carlos is excited about our continued growth. We’re eager to continue deepening our impact nationwide. Cheers to the next 40!

We’re wrapping up 2025 with gratitude. 🎁 Happy holidays from the Merlin Law Group team! Thank you to everyone we worked with this year — your resilience inspired us daily.

Property insurance draws a hard line between chance & inevitability, stemming from a century-old case about a gemstone that failed on its own. Chip has been exploring where fortuity came from & whether it still belongs in modern insurance. Read more:

Insurance isn’t a warranty—it’s protection against accidents. That distinction goes back nearly 100 years to a steamship boiler case that shaped what “fortuity” really means & why it still matters in property claims today. Visit Chip's blog to learn more:

Many coverage disputes in large property losses start with an incorrect assumption: that “follow-form” policies automatically match the primary policy. Etienne Font breaks down a TX Supreme Court decision surplus lines professionals should understand: https://t.co/XyUoPijmoN

A Connecticut court ruling created confusion over PA fees, & insurers moved fast to use it. Guest author Mark Dillman, a former Merlin Law Group attorney now in public adjusting, explains what happened & how a 2025 law change cleared things up. Read here:

As part of our 40th anniversary, we asked our team what makes Merlin Law Group special. For Regina, it’s our culture of learning and growing together. We’re grateful to Regina for being such an important part of our team. #MerlinLawGroup #40Years #WorkCulture

Nearly a year after the Palisades and Eaton wildfires, too many California policyholders are still facing delays, denials and low settlements. In @IJournal, Daniel Veroff and Derek Chaiken outline why the claims system isn’t working, and what must change: https://t.co/5mW0LkZzr2.