Denied insurance claims are what our lawyers fight.

Is your insurance claim denied, delayed, or underpaid? Contact us today

Our insurance lawyers have the experience with insurance claim disputes that you need to get the settlement you deserve. Merlin Law Group is a boutique insurance law firm with persistent and tenacious attorneys that navigate the complex arena of insurance claim disputes and litigation. Our insurance claim law firm has successfully represented thousands of homeowners and business owners across the United States and have offices in AZ, CA, CO, FL, IL, NY, NJ & TX. We have licensed attorneys in: Alabama, Arizona, California, Colorado, Florida, Georgia, Hawaii, Illinois, Massachusetts, Minnesota, Mississippi, Missouri, Nevada, New York, New Jersey, North Carolina, Oklahoma, Pennsylvania, Tennessee, Texas, U.S. Virgin Islands & Washington, D.C. to assist with insurance claim disputes and represent all insurance claims for property damage or commercial losses that may have been denied, underpaid or payments have been delayed anywhere in the United States.  Our insurance attorneys have been admitted Prohac in all states throughout the country and in the Caribbean including St. Thomas and Puerto Rico for our clients.

If you feel like your windstorm, fire, hail, tornado, hurricane, wildfire, water damage or drought insurance claim has been improperly handled, has not been properly paid, or if your claim has been unfairly denied, call our team of experienced insurance attorneys for a free case review. Merlin Law Group is The Policyholder’s Advocate®. For nearly three decades, we have dedicated ourselves to standing up against insurance companies and their corporate lawyers. Call an experienced insurance lawyer today.

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Why Choose Merlin Law Group To Handle Your Insurance Claim?

  • Track Record

    Our track record speaks for itself. Our experience working every major storm loss has taught us how to streamline our clients' claims.

  • Happy Clients

    Resolving policyholder claims as fast as possible is our commitment to our clients.

  • Industry Authority

    Our attorneys travel the country speaking at insurance related events to educate the industry and public.

  • Property Insurance Blog Latest Property Insurance Coverage Law Blog Post

    Age as a Factor in Determining Depreciation Used to Calulate Actual Cash Value

    In Lains v. American Family Mutual Insurance Company,1 a federal district court in Washington considered two issues involving actual cash value: whether American Family improperly considered age in depreciating the insureds’ personal property loss, and whether American Family improperly depreciated labor costs as applied to the insureds’ dwelling loss. The American Family policy defined “actual cash value” as “the amount it costs to repair or replace property with property of like kind and quality less depreciation for physical deterioration and obsolescence.” The policy did not define the term depreciation. Regarding the personal property loss, the district court agreed with the insureds that American Family improperly considered age in depreciating their personal property. The district court reasoned that the policy’s definition of actual cash value was clear and unambiguous: depreciation can be determined by physical...

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  • Condominium Insurance Law BlogLatest Condominium Insurance Law Blog Post

    Court Decision on "Your Work" Exclusion in a CGL Policy is a Head Scratcher

    In Essex Insurance Co. v. DiMucci Development Corp. of Ponce Inlet Inc., U.S. District Judge Roy B. Dalton Jr. recently held that Evanston Insurance Company has no duty to defend a builder in a lawsuit alleging construction defects at one of its Florida condominium complexes based on an exclusion in the policy for damage to the developer’s own work.1 The lawsuit arose when DiMucci Development Corp. of Ponce Inlet Inc. (“DiMucci”) was sued by the homeowners' association at the Towers Grande high-rise in Daytona Beach Shores, Florida, for various construction defect related issues. The construction defect lawsuit alleged that DiMucci ‘s work was defective on a portion of the high rise condominium complex and that the defective work caused property damage to other portions of the building that DiMucci also had constructed. More specifically, the Towers Grande Condominium Association alleged that DiMucci ‘s defective work resulted in damage to the roof and...

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