Types of Loss


Hurricanes are among the most devastating and unpredictable natural disasters facing policyholders. Winds, rain, storm surge, and flooding can all wreak havoc on your home or business. Hurricane damage insurance claims can be complicated because they typically require multiple policies (i.e. standard homeowners and flood insurance) with one insurance company shifting responsibility to the other.

Merlin Law Group understands this frustration and is here to help you with your hurricane damage claim that has been wrongfully delayed, denied, or underpaid. As The Policyholder’s Advocate™, we are committed to helping you obtain justice so that you can get back on the path toward recovery.

Water Damage

Water damage is one of the most common types of property insurance claims. Most standard homeowners insurance policies exclude certain water damage types like flooding or sewage backup, there is still coverage for other water-related perils like a burst pipe. Policyholders with both dwelling and personal property coverage should be protected against water-related damages.

Merlin Law Group has represented many policyholders with water damage claims to their homes and businesses. As The Policyholder’s Advocate™, we are committed to helping you obtain justice so that you can get back on the path toward recovery.

Wind Damage

High-velocity winds can cause severe damage to your property. Common windstorm claims involve roofs blowing off, trees falling on your property, fences blown down, and leaky windows. This type of damage can also bring hidden damages that aren’t realized upon the initial assessment of your property.

Damage caused by wind is covered in most homeowners insurance policies, however there can be ambiguous exclusions or limitations which may cause your claim to be denied. Merlin Law Group has handled many wind damage claims and helps policyholders recover what is rightfully owed. Contact Merlin Law Group if your insurance claim has been delayed or denied.

Hail Damage

Hail damage is deceptive and can be quite expensive to fix. If you live in an area prone to severe weather and have a low slope or flat roof with asphalt shingles, you are in the high-risk category. The good news is that most homeowners insurance policies cover damage from hail.

In the United States, hail is most prevalent where Colorado, Nebraska, and Wyoming meet — an area known as Hail Alley. Hail is possible within two nautical miles of the parent storm in any thunderstorm, meaning hail can occur practically anywhere if the natural conditions permit.

Insurers may try to argue the damage suffered from a hail storm does not fit the conditions necessary for a claim. At Merlin Law Group, we fight for policyholders to hold their insurers accountable to fulfilling their promise to protect your property from damage, including damage occurring from hail.

Fire and Smoke

At Merlin Law Group, our claim lawyers understand the tumultuous aftershock that a fire can cause. Everything from clothing to appliances to irreplaceable memories all can be lost to fire damage. Having a valid insurance claim denied after the fact only deepens the wound left behind. We here at Merlin Law Group exclusively represent policyholders pursuing valid insurance claims, including claims for fire and smoke damage.

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Why choose Merlin Law Group?

Founded in 1985, our law firm continues to be dedicated to representing insurance policyholders throughout the United States. Collectively, our lawyers are licensed to practice in 25 states. In fact, many of Merlin Law Group’s attorneys worked for the insurance industry before joining the firm, so they bring a strong understanding of insurance company practices. Anyone can file a claim, but it takes experience, knowledge, and savvy to achieve a truly successful outcome. As The Policyholder’s Advocate®, Merlin Law Group aims to drive positive change within the insurance sector by obtaining justice for our clients and educating policyholders on how to navigate insurer bad faith tactics.

When we handle property insurance claim disputes, we hire the most experienced and qualified expert witnesses to evaluate your insurance claim and testify on your behalf. In most cases, we can advance the fees for this. Typically, we hire experts such as engineers, contractors, independent roofing consultants and other professionals to perform a thorough assessment on all possible causes of damages. This is a process that provides us with a very detailed and all-inclusive estimate for determining and justifying a proper settlement. Our use of these professional expert witnesses sets us apart from other insurance law firms.

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