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Who’s On First? Discerning Ambiguity in Insurance Policy Language

Abbott and Costello’s performance of the now classic “Who’s on first?” baseball sketch remains comedy gold.1 In addition to being outrageously hilarious, this comedy sketch highlights the significance of language and how specific words can be misconstrued. The ambiguity of words becomes more significant than baseball positions when applying the legal effect of those words.

Chapter 542A Notice Letters: Why Texas Public Adjusters Should Not Write Them

There are differing opinions circulating right now about whether Texas public insurance adjusters can write notice letters under Chapter 542A of the Texas Insurance Code. It is important to emphasize the difference between whether they can and whether they should. There is limited case law supporting that Texas public insurance adjusters can write these notice.

Contractual Limitation Defense: Using Equitable Estoppel against Tennessee Insurance Policies

Seven years ago, Merlin Law group attorney Shane Smith wrote a blog post on how insurance policies often shorten Tennessee’s statutory limitations.1 The statute of limitations as applied to contracts is stated in Tenn. Code Ann. § 28-3-109(a)(3) and limits the time in which an insured may bring suit against their insurance company to six.

Happy Holidays From Merlin Law Group

We wish you a Merry Christmas and Happy Holidays!

Understanding Your Rights Under Chapter 542 of the Texas Insurance Code: Why it is Beneficial to Allow an Attorney to Assist You in the Process

Insurance is your safety net. It is a contract made between you and your insurance company guaranteeing that, if anything were to happen to you, the agreed safety net will be provided. Insurance companies have a right to investigate the legitimacy of claims. However, insurance companies in Texas cannot reject legitimate claims, misrepresent policy terms.

Blogs Insurance Journal

Modernizing the Housing Economy: A 20/20 View of 2020

In the blink of an eye, COVID-19 reshaped our world. As the critical functions of the real estate, lending, and insurance economies began to adapt to the new circumstances of the pandemic, CoreLogic has played a key role in enabling.

2020: A Year of Natural Hazard in Review

What happened in 2020? 2020, without a doubt, has been a shock for everyone. Despite dealing with the ramifications of a global pandemic, the nation was hit with one natural disaster after the next. Our critical infrastructure and first responders.

Context Over Content: How Agencies Can Compete in Digital Marketing

The internet is an ever-expanding marketplace. Yet, it’s full of websites and brands competing for a consumer’s attention. This is why it can be difficult to grow brand awareness online. There are two strategies that can help even the smallest.

3 Reasons Thanksgiving Dinner is Better Than an Insurance Policy

It’s my normal M.O. in this blog to write a policy language, holiday edition this time of year, but this year I’d like to shift gears. For those who hate change or get hives at the idea of change happening…

4 Items to Look at When Choosing Health Benefits

It’s that time of year again. No, not the holiday season, although some of us will be able to gather this year for something close to our normal holiday celebrations. I hope you can. No. It’s time for us to.