July 8, 2026
By Chip Merlin For decades, the insurance industry has justified legislative reforms, regulatory changes, and restrictions on policyholder rights by pointing to the specter of insurance fraud. We have repeatedly been told that fraudulent claims are a major driver of rising premiums and instability in insurance markets. Legislators and regulators have heard it. The public, […]
May 22, 2025
Most homeowners believe their insurance policies will protect them when disaster strikes. But that illusion shattered for Natalia Migal. Testifying before the U.S. Senate, she recalled how Hurricane Helene ravaged her Georgia home, only for her insurer Allstate to offer a mere $46,000 for repairs, despite independent assessments putting the damage closer to $500,000. Digging into Allstate’s […]
April 3, 2025
By Chip Merlin Chris Aldrich, President of Andrew K. Knox and Company, recently completed his tenure as President of the National Association of Public Insurance Adjusters (NAPIA). Following his leadership role, past NAPIA President Chip Merlin of Merlin Law Group sat down with Chris to discuss his experiences, insights, and continued dedication to the industry. […]
January 31, 2020
It happens every winter. Inevitably, some unfortunate home or business owner will walk into their property only to find it destroyed by water after their plumbing lines froze and broke. When this happens, one of the first questions that come to mind is, “Will my insurance company pay for this?” Unfortunately, there is no one-size-fits-all […]