Chip Merlin

Founder and President of Merlin Law Group

CHIP MERLIN is founder and president of Merlin Law Group, one of the largest national firms representing and advocating for policyholders in disputes against their own insurance companies. Having advised CNN, Fox News, Fox Business News, and local television outlets around the country, Merlin has been dubbed “the Babe Ruth of Hurricane Claims” and “the Master of Disaster” in the press. Former chair of the Bad Faith Litigation Group for the American Association for Justice, he is a preeminent insurance attorney and consumer advocate with a focus on commercial and residential property insurance claim disputes and bad faith insurance litigation. His long-running blog helps consumers with their claims. When not taking on big insurance companies, Merlin, a former marathon runner, can be found racing sailboats.

Pay Up!: Preventing A Disaster With Your Own Insurance Company

Publication Date: March 2020

LEARN HOW THE MODERN INSURANCE INDUSTRY FUNCTIONS AND DYSFUNCTIONS With Pay Up! attorney Chip Merlin exposes the bad faith practices of insurance companies that take advantage of their own customers. The claims process has become so automated that legitimate claims are denied without ever being seen by human eyes. Exceptions and exclusions are buried within small print that can bury your claim. Many claims departments operate under a culture of paranoia in which legitimate claims are denied, sometimes accidentally, sometimes not. Cost-cutting measures birth “self-serve” policies that force the policyholder to do the insurer’s job. Insurance lobbyists are so enmeshed in the political process that it can be hard to know whose side industry regulators are on. Commercial and individual policyholders pay premiums with the understanding that insurers will pay claims fairly, fully, and promptly. It’s time for the insurance industry to Pay Up!

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Articles By Chip Merlin

Hailstorms Checklist Just in Time for Peak Hail Season
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Has Your Insurer Elected to Repair Your Damage? It Needs to Do the Work in a Reasonable Time and Correctly
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The Insurance Industry Teaches Ethics but does it Follow What it Teaches?
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Did the Homeowners All Risk Insurance Policy Provide More Coverage in 1959 than It Does Today?
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Policyholder Preparations for an Active 2021 Hurricane Season
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homeowner's insurance
Matching Issues and New Endorsements Creating an Insurance Coverage Gap
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insurance purchasing
Insurance Purchasing Decisions and Claims in Social Distancing World
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