A residential property insurance claim when denied, delayed or underpaid can be a life altering event for a policyholder, but for an insurer, it is routine business. A property insurance claim is a business negotiation, and policyholders must approach the adjustment and settlement of their property insurance claim as they would any other business transaction involving a large investment. Few homeowners understand that taking legal action regarding their insurance claim is an option.
When a commercial property loss occurs, a business owner’s first impulse is to do whatever necessary to mitigate the loss and resume operations as quickly as possible. But settling a denied, delayed or underpaid commercial property insurance claim is a complex business transaction, and business owners should treat it as such, using the diligence and professional assistance typically used when negotiating a critical business contract.
Health, Life, Disability, &
Long-Term Care Insurance Claims
Getting your disability, life, health, or long-term care insurance company to pay your claim can be a daunting task. We understand the task can be even more daunting when you are struggling physically, emotionally, or mentally. With decades of experience in representing insurance policyholders in contractual and extra-contractual (bad faith) disputes, we look forward to helping you successfully manage these difficult times.
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, NY, NJ & TX. We have licensed attorneys in: Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Mississippi, New York, New Jersey, North Carolina, Oklahoma, Pennsylvania, Tennessee, Texas, & 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?
Established in 1985
We are not new to insurance claims. We've been doing this and only this since 1985.
Nationwide Client Representation
Our attorneys represent policyholders throughout the United States.
Dedicated To Policyholders
We only represent policyholders and will never represent an insurance company.
Our track record speaks for itself. Our experience working every major storm loss has taught us how to streamline our clients' claims.
Resolving policyholder claims as fast as possible is our commitment to our clients.
Our attorneys travel the country speaking at insurance related events to educate the industry and public.
Latest Property Insurance Coverage Law Blog Post
On June 9, 2016, The Washington Supreme Court held that an Essex Insurance Company property policy immediately cut off coverage for water damage after an insured property became vacant.1 In Lui, the policyholders owned a commercial building that sustained water damage after a pipe burst while the building was vacant. The policyholders’ insurance policy for the building purported to limit coverage for water damage in two ways based on vacancy found in a change of condition endorsement: (1) coverage was suspended if the building remained vacant for 60 consecutive days and, (2) at the inception of any vacancy, there would only be coverage for specified causes of losses (not including water damage). The property became vacant in December 2010, after the policyholders’ tenants were evicted for failure to pay rent. The water loss occurred the following month after a frozen sprinkler pipe in the building broke, causing substantial water damage. Although Essex had started...
Latest Condominium Insurance Law Blog Post
Several weeks ago I blogged about the way insurers sometimes use “other insurance” provisions to argue that they are not responsible for paying for a loss because “other insurance” is required to do so. In today’s blog I will address a similar and related topic that comes up in scenarios involving condominium and homeowners’ associations. Condominium Owner Insurance (COI) policies are designed to insure everything inside the condo, while recognizing the Home Owners’ Association (HOAs) will insure the common areas. The HOA coverage is often referred to as "walls out" coverage, because everything within the walls of the owner's individual unit is usually that person's individual responsibility (But in some condo policies, the interior, "bare" walls are covered by the HOA master policy as well). Generally, the HOA's governing documents (CC&Rs) should typically state exactly which areas the HOA policy insures. Although the...
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The accounts of recent trials, verdicts and settlements contained in this website are intended to illustrate the experience of the law firm. Prospective clients may not obtain the same or similar results as each case is unique.