The Policyholder’s Advocate™

Has your claim been wrongfully delayed, denied, or underpaid?
We have a team of expert attorneys ready to review your case.

Free Case Review for Hurricane Ian Insurance Claims
Years in Practice 37
Money Recovered $2B

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 stand out from our competitors.

Offices and Attorneys

Why Merlin?

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Merlin Law Group has helped both residential and commercial policyholders with recovery on their property insurance claims. Download our Why Merlin? eBook to learn more about what we bring to the table and how we can help you.
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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.

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Hurricanes

Hurricanes

Hurricanes can wreak havoc with potential wind, water, and flooding damage to your home. Learn more about hurricane damage claims here.

Hurricane damage claims

Water Damage

Water Damage

Water damage claims are among the most common. Learn more about the different types of water damage claims here.

Water damage claims

Hail Damage

Hail Damage

Hail damage is deceptive and can be expensive to fix. Learn more about hail damage claim conditions here.

Hail damage claims

Wildfires

Wildfires

Wildfires are statistically the most widespread natural disasters. Our California attorneys are experienced in handling wildfire damage claims. Learn more here.

Fire and smoke claims

Wind Damage

Wind Damage

High-velocity winds can cause severe damage to your property. Learn more about wind damage claims here.

Wind damage claims

Types 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 can wreak havoc with potential wind, water, and flooding damage to your home. Learn more about hurricane damage claims here.

Hurricane damage claims

Water damage claims are among the most common. Learn more about the different types of water damage claims here.

Water damage claims

Hail damage is deceptive and can be expensive to fix. Learn more about hail damage claim conditions here.

Hail damage claims

Wildfires are statistically the most widespread natural disasters. Our California attorneys are experienced in handling wildfire damage claims. Learn more here.

Fire and smoke claims

High-velocity winds can cause severe damage to your property. Learn more about wind damage claims here.

Wind damage claims

Timeline for Claim Process

Step 1

Loss

After the loss, you should document all damages with photographs to submit to your insurance company.

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Step 2

Report the Claim

Contact your insurance provider to notify them of the loss. Check your policy for any deadlines with providing a Notice of Loss.

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Step 3

Information Request

Your 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.

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Step 4

Property Inspection

After your insurer is made aware of the loss, they will send an independent adjuster to the property to inspect the damage.

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Step 5

Coverage Decision

When you receive a coverage decision, your insurer should list their reasons for denial and the portion of your policy they are citing.

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Step 6

Examination Under Oath

Your insurance carrier may enact an Examination Under Oath (EUO) in which the insurer must answer questions surrounding the nature of the insurance claim.

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Step 7

Seek Assistance

If you are dissatisfied with your insurance company’s decision on your claim, Merlin Law Group can help.

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Get a free case review

Free Case Review

Frequently 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.

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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.

Let's review your case at no cost