Following the devastating fires in California, I kept hearing story after story of Pacific Palisades residents having been dropped by their insurance company just a few months before the deadly fire. The same thing happened this past fall in Florida – Floridians couldn’t afford their increased premiums, so when Hurricane Milton hit – they had no coverage.

In fact, Florida insurance rates have gotten so high that people are beginning to leave the state - insurance premiums, in some cases, surpassing their mortgage payments. Insurance companies also get away with underpaying or slow-paying the insured… leaving people helpless and hopeless.

Thankfully, there are people out there like my next guest, Chip Merlin, Founder and President of the Merlin Law Group. Chip has dedicated his practice to representing and advocating for the insured in disputes with their insurance companies nationwide.

Chip has been called the “Babe Ruth of Hurricane lawyers” and “Master of Disaster” for his nationwide catastrophe work in helping policyholders after Hurricane Katrina. The Florida Association of Public Adjusters awarded him a Lifetime Achievement Award for his advocacy on behalf of policyholders. He is on the Board of Directors of United Policyholders, has been a guest commentator on CNN and Fox News, and is also past Chair of the Insurance Bad Faith Litigation Group of the American Association of Justice.

In this episode, Chip and I discuss the state of the insurance crisis in the US, from California to Florida to NY, and what we, the insured, can do to protect ourselves from insurance companies' malfeasance, and what our state governments should do to protect the insured over the insurers.  

To protect your property and your family, this is an episode you will not want to miss. If you enjoy the show, please rate and review. Be sure to follow us on Instagram @TheInterviewWithLeslie. A new podcast is released every Wednesday.