October 14, 2017

State Farm insurance agent Miguel Alfaro has taken hundreds of client calls since Monday from those who have lost so much in the region’s massive wildfires.

Some are concerned that they may be underinsured. Some have smoke damage in their homes. Some lost their cars.

And some lost everything.

“We are in uncharted territory. We have never had...

October 14, 2017

State Farm insurance agent Miguel Alfaro has taken hundreds of client calls since Monday from those who have lost so much in the region’s massive wildfires.

Some are concerned that they may be underinsured. Some have smoke damage in their homes. Some lost their cars.

And some lost everything.

“We are in uncharted territory. We have never had...

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October 13, 2017

5 tips to start rebuilding your home after a wildfire. While thousands of people are still evacuated, hundred have returned to their neighborhoods and found their homes in ruin.

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October 13, 2017
If your home was destroyed or damaged in the North Bay fires, here are six things you should do now.
 
Take care of yourself and family. Get a roof over your head, talk to your employer, get your kids back in school when it’s possible to do so, let your friends and family know you are safe via phone, text or social media. Stay in touch with...
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October 11, 2017

Most homeowners insurance policies cover fire damage. But heads-up: That’s not the whole story.

If you live in a high-risk area, such as near a canyon, you may need to pay more for additional coverage.

And if, God forbid, a fire has devastated whole communities, such as what we’re seeing now in Northern California, your home-replacement dollars could be...

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October 11, 2017

As catastrophic wildfires incinerate homes and prompt evacuations across Northern California, an unsettling report has revealed that a majority of American homes are underinsured.

According to data company CoreLogic, roughly 60 percent of homes are underinsured by an average of about 20 percent.

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October 5, 2017

Amy Bach of United Policyholders was honored as the Consumer Champion by the Florida Association for Insurance Reform. I was privileged to deliver the introduction for Amy as seen in the above video. Merlin Law Group has been an active and long-time financial and pro bono supporter of United Policyholders. We also applaud the efforts of the Florida Association for Insurance Reform...
September 26, 2017

 

USA TODAY - Almost a week after Hurricane Maria pounded its way across Puerto Rico as a Category 4 storm with sustained winds of 155 mph, the outlook for anything but a long and arduous recovery is bleak.

FEMA reported Tuesday that only 11 of 69 hospitals had power, and Gov. Ricardo Rosselló said only about 5% of the island's power grid was operational. Less than half the...

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September 22, 2017

 

Hurricane Jose weakened to a tropical storm this morning, but it could still bring rain during the morning commute and whip up strong winds during the day.

New York City was spared a direct hit by Jose, but the storm flooded areas from New Jersey to Long Island.

With more extreme weather events predicted for New York City and the surrounding area, flood insurance might...

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