Helping Policyholders Recover From Disaster
At Merlin Law Group, we understand the pain and frustration that comes after sustaining damage to your property. When your insurance company is supposed to be there to help, they end up creating a second disaster by abandoning their responsibilities to their loyal policyholders. Since 1985, Merlin Law Group has been dedicated to obtaining justice for policyholders as they navigate their property insurance claims. Our insurance claim law firm has successfully litigated and recovered damages of more than 100 million dollars for an insured on a single case. Having a dedicated trial team, the financial resources to fight insurer delay tactics, and an extensive network of damage mitigation experts has enabled Merlin Law Group to help policyholders recover from disaster for almost four decades.
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Why Merlin?
Type of Loss
Type of Loss
We handle all types of property insurance claims. Below you will find some of our key practice areas. Please do not hesitate to contact us with questions about your claim.
Hurricanes
Hurricanes
Hurricanes can wreak havoc with potential wind, water, and flooding damage to your home. Learn more about hurricane damage claims here.
Water Damage
Water Damage
Water damage claims are among the most common. Learn more about the different types of water damage claims here.
Hail Damage
Hail Damage
Hail damage is deceptive and can be expensive to fix. Learn more about hail damage claim conditions here.
Wildfires
Wildfires
Wildfires are statistically the most widespread natural disasters. Our California attorneys are experienced in handling wildfire damage claims. Learn more here.
Wind Damage
Wind Damage
High-velocity winds can cause severe damage to your property. Learn more about wind damage claims here.
Types of Loss
Hurricanes can wreak havoc with potential wind, water, and flooding damage to your home. Learn more about hurricane damage claims here.
Hurricane damage claimsWater damage claims are among the most common. Learn more about the different types of water damage claims here.
Water damage claimsHail damage is deceptive and can be expensive to fix. Learn more about hail damage claim conditions here.
Hail damage claimsWildfires are statistically the most widespread natural disasters. Our California attorneys are experienced in handling wildfire damage claims. Learn more here.
Fire and smoke claimsHigh-velocity winds can cause severe damage to your property. Learn more about wind damage claims here.
Wind damage claimsTimeline for Claim Process
Step 1
LossAfter the loss, you should document all damages with photographs to submit to your insurance company.
Step 2
Report the ClaimContact your insurance provider to notify them of the loss. Check your policy for any deadlines with providing a Notice of Loss.
Step 3
Information RequestYour insurance company will ask you questions about the claim. This may also be the time to submit any photos, repair estimates, and Proof of Loss documents.
Step 4
Property InspectionAfter your insurer is made aware of the loss, they will send an independent adjuster to the property to inspect the damage.
Step 5
Coverage DecisionWhen you receive a coverage decision, your insurer should list their reasons for denial and the portion of your policy they are citing.
Step 6
Examination Under OathYour insurance carrier may enact an Examination Under Oath (EUO) in which the insurer must answer questions surrounding the nature of the insurance claim.
Step 7
Seek AssistanceIf you are dissatisfied with your insurance company’s decision on your claim, Merlin Law Group can help.
Get a free case review
Free Case ReviewFrequently Asked Questions
In some cases, property insurance claims are handled promptly and fairly. These instances do not require an attorney, as insurance companies are honoring their obligations to the policyholder under the conditions of the policy. When an insurance company wrongfully delays, denies, or underpays your claim, it is recommended you consult with an experienced insurance claim attorney to review your options.
Merlin Law Group attorneys work on a contingency fee basis, so there is no cost to you unless we win your case. In many cases, Merlin Law Group will hire industry experts, among other resources, to build the ultimate case for you, the policyholder. In these cases, costs can accumulate greatly and quickly. Merlin Law Group attorneys know that these in-depth, unbiased expert analyses can make or break your insurance claim. Merlin Law Group is dedicated to obtaining the maximum settlement for our clients and will advance most costs pre-settlement.
The attorneys at Merlin Law Group will choose top industry experts tailored to your specific type of claim and in most cases, the firm fronts all costs for experienced experts in order to build the strongest case for you, the policyholder. We also have a dedicated trial team should your case head to trial.
From engineers to contractors to independent professionals, Merlin Law Group retains qualified experts to adequately assess your insurance claim. The utilization of these professional expert witnesses sets Merlin Law Group apart from other insurance law firms.
Merlin Law Group asks you to please provide the following documents if applicable and available.
For Residential and Commercial Property Claims:
- Insurance policy or copy of declaration page of insurance policy
- Denial letter
- Any and all correspondence to and from the insurance company
- Any estimates of items to be replaced/repaired
You can fill out our Free Case Review form to provide any relevant information regarding your claim. Our staff will reach out to you with available options.
We are here for you
As The Policyholder’s Advocate™, Merlin Law Group aims to drive positive change within the insurance sector by educating policyholders on their rights. By holding insurers accountable to their customers, we hope to bridge the gap between insureds and their insurers. Your insurance company should be there to help in your time of need, not make the situation worse. Merlin Law Group can help you get back to normal after a loss.
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No Fee Unless We Win
Merlin Law Group operates on a contingency fee basis, meaning we do not get paid unless we win your case. We will also advance most costs pre-settlement to ensure you have the strongest case possible.
