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
Insurance Companies are in the business to make a profit. This is no secret. Policyholders believe that if they buy insurance and have a covered loss, the insurance for that damage should kick in. This is a basic understanding. Insurance companies in Florida have been spared hurricane claims for almost a decade, but instead of decreasing premiums, many carriers publicly alleged there was a water claim crisis and have alleged that South Florida’s Miami-Dade County is in large part to blame. The Florida Office of Insurance Regulation asked for information on water claims statewide and information regarding water claims where a policyholder signed an assignment of benefits form to have a remediation company do the water extraction. Nearly 260,000 water losses over a 5 year period were evaluated. Documentation from Citizens Property Insurance Corporation had previously been gathered and was not part of this data call evaluation. The results are in and have been analyzed by the...
Latest Condominium Insurance Law Blog Post
As I have noted in the past, the appraisal process has become a hot topic in the property insurance world in the past few years. Colorado has become ground zero for many of these disputes. While many states have statutory or appellate precedent to define the scope and workings of the appraisal process, Colorado is one of the few that does not. In a previous post I discussed a recent case in which a federal court in Colorado had written an extensive opinion discussing the appraisal process and the definition of the phase “amount of loss.” An important follow-up point, however, is this decision does not stand alone. As early as 2011, Colorado courts were wrestling with whether determining the “amount of loss” includes a determination of the causation of damages. State trial courts in multiple districts found it did.1 While I have never seen a state trial court opinion going the other way on this issue, it appears that many insurers decided to take their...
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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.