- Not Every “Flood” Is a Flood and Why the Source of the Water Mattersby Chip Merlin on February 14, 2026 at 4:22 pm
A recent LinkedIn post showed a dramatic scene of a broken pipe, apparently off premises, sending water racing across the surface and into nearby property. The accompanying message suggested this is […]
- AI Property Insurance Claim Thoughts from New Orleansby Chip Merlin on February 13, 2026 at 1:16 pm
Lantz Savage heads up our New Orleans office. He has a background in software coding before he went to law school. I met with him, our paralegal staff, and law librarian Jennifer Dabbs in our New […]
- Storm Restoration Contractor Summit Is a Hitby Chip Merlin on February 12, 2026 at 1:21 pm
Mat Muholland, aka “One T,” stopped me while walking the exhibit hall of the SRC Summit. He asked me if I wanted to shoot his hail gun. His latest hail gun edition carries a three-hail ball load. […]
- Why Do So Many Disaster Claims Feel Like a Fight by Design?by Chip Merlin on February 10, 2026 at 1:30 pm
Insurance is supposed to be simple at its core. Policyholders pay premiums so that when disaster strikes, the insurer shows up, evaluates the loss fairly, and pays what is owed. That is the social […]
- “Property” Means More Than Machines: Lessons About Restoration Periods and Extra Expenseby Chip Merlin on February 9, 2026 at 11:00 am
The Arizona Beverages v. Hanover dispute is one of those cases that looks narrow at first glance but is important for anyone involved in property insurance claims. What began as a disagreement over […]
- Cyber Business Income Claims After a Data Breach: Are Lost Clients and Lost Trust Covered Losses?by Chip Merlin on February 8, 2026 at 11:00 am
Cyber insurance was originally marketed as a technical product. If the servers went down, the policy would help pay to get them back up. If data was stolen, the policy would help with notification […]
- Insures Don’t Get to Deny and Escape RCV Promisesby Chip Merlin on February 7, 2026 at 11:00 am
Florida courts continue to wrestle with a deceptively simple question: What happens to replacement cost coverage when an insurer denies a claim outright and forces the policyholder into court? The […]
- Smoke Without Flames Is Still a Fire: Lessons from a New York Smoke Damage Battleby Chip Merlin on February 6, 2026 at 11:00 am
Smoke damage claims are never really about smoke. They are about trust, proof, judgment, and whether insurance will honor its promise when loss does not arrive in neat, charred packages. A New York […]
- How Insurance Lobbyists Quietly Hijack State Lawby Chip Merlin on February 5, 2026 at 3:11 pm
If you want to understand how insurance laws really get made, Oklahoma just handed the rest of the country a case study. Earlier this month, Oklahoma Watch published a piece asking a question that […]
- The Hidden “Wind-Driven Rain” Trap in Water Damage Claimsby Chip Merlin on February 4, 2026 at 11:00 am
When courts talk about “wind-driven rain,” something subtle but important has already gone wrong. The phrase sounds authoritative. It feels like a defined peril. It rolls easily off the tongue. […]
- Nevada’s Wildfire Coverage Exclusion vs. California’s Mandatory Fire Coverageby Derek Chaiken on February 3, 2026 at 11:00 am
A shift in some states’ approach to homeowners insurance for wildfires may be coming to your state next. Nevada recently approved a law that allows insurers to issue policies without wildfire […]
- Texas Is Becoming a Game of Procedural Precision Where Claim Attention to Detail Is Paramountby Chip Merlin on February 2, 2026 at 4:39 pm
I have tried and litigated property insurance cases across the country. While every jurisdiction has its quirks, Texas continues to distinguish itself as increasingly unforgiving where detail is […]
- Securing U.S. Critical Mineral Supply Chainsby Gravel2Gavel Team on January 28, 2026 at 7:16 pm
On January 14, 2026, President Trump signed a Proclamation following the Department of Commerce’s investigation of the effects of imports of processed critical minerals and their derivative […]
- ZEC 2.0: New York’s Zero Emissions Credit Program Gets an Extension and a Rebootby Stephen J. Humes and Jason Drogin Atwood on January 23, 2026 at 10:32 pm
In a landmark move that could shape New York’s energy landscape for decades, state officials have taken steps to both preserve its existing nuclear power facilities and significantly expand its […]
- Navigating Wind and Solar Development Opportunities on State and Private Lands During Uncertain…by Cara M. MacDonald, Robert G. Howard and Andrew Jacobs on January 21, 2026 at 3:37 pm
Recent executive actions and federal guidance have targeted wind and solar development, creating substantial uncertainty for the U.S. offshore wind industry and also reshaping the regulatory […]
- California Access Easements -When they may be Paved or Graveledby Law Office of James J. Falcone on January 20, 2026 at 4:02 pm
When an access easement doesn’t specify what type of road surface it may have, can it be paved? Only if is reasonably necessary to make it available for safe and convenient vehicular travel.
- Trump Administration and Mid-Atlantic Region Governors Announce Emergency Reliability Action…by Stephen J. Humes and Jason Drogin Atwood on January 16, 2026 at 9:45 pm
On Friday, President Donald Trump—together with governors across key Mid-Atlantic Region states—announced a new initiative aimed at addressing soaring electricity demand driven by large‑scale […]
- FERC’s New Order on Data Center Co-Location: What Utilities Need to Knowby Stephen J. Humes on December 22, 2025 at 12:36 pm
On December 18, 2025, the Federal Energy Regulatory Commission (FERC) issued a pivotal order to PJM Interconnection, the nation’s largest regional wholesale power grid operator running the […]
- Maryland Enacts Climate-Cost Study Over Veto, New Jersey Advances Climate Superfund Proposal as…by Amanda G. Halter, Ashleigh Myers and Jillian Marullo on December 18, 2025 at 5:12 pm
Maryland lawmakers have overridden the governor’s veto to enact legislation directing a statewide assessment of climate-related costs, while New Jersey lawmakers are preparing a January committee […]
- CARB Issues Proposed Climate Disclosure Regulationsby Michael S. McDonough, Ashleigh Myers and Karen Eskander on December 17, 2025 at 4:42 pm
On December 9, 2025, the California Air Resources Board (CARB) issued proposed regulations and a staff report for California’s comprehensive climate disclosure laws, the Climate Corporate Data […]
- New California Law Mandates Prompt Resolution of Change Order Payment Disputes on Private Works of…by Samuel Bucher, Marc Coats and William S. Hale, P.E. on December 15, 2025 at 10:49 pm
On October 10, 2025, Governor Newsom signed SB 440, titled the Private Works Change Order Fair Payment Act. The new law introduces a process and deadlines for handling change order, time extension […]
- A Conceptual Shift for Space and Earth Station Licensingby Gravel2Gavel Team on December 9, 2025 at 11:05 pm
In an effort to more effectively keep pace with and reduce the burdens on the rapidly evolving and expanding commercial space sector, the FCC has unanimously adopted a Notice of Proposed Rulemaking […]
- LANDLORD ADVISORY: Preparing for Statewide Rent Control in Massachusetts (2026 Ballot Initiative)by Rich Vetstein on November 26, 2025 at 3:26 am
I just read a very alarming Suffolk U/Boston Globe poll which indicates 62.6% statewide voter support of the statewide rent control ballot initiative. With the first round of signatures obtained, the […]
- EPA and Army Corps Propose Revised Definition of “Waters of the United States”by Ashleigh Myers and Jillian Marullo on November 21, 2025 at 8:19 pm
For decades, the phrase “waters of the United States” (WOTUS) has dictated whether a wetland, stream, or pond falls within federal jurisdiction under the Clean Water Act (CWA). Two years and a […]
- Massachusetts Bans Home Inspection Waivers…Well, Sort Ofby Rich Vetstein on October 17, 2025 at 1:30 pm
Everything Buyers, Sellers, and Agents Need to Know: New Disclosure Form, As-Is Sales Still OK, Exemptions, and Other Changes to Current Practice Starting October 15, 2025, Massachusetts joined a […]
- From Success! to Arrest: Stephen Webster, CEO of Success Real Estate Indicted On $11.6 Million…by Rich Vetstein on October 1, 2025 at 8:02 pm
Plymouth County Prosecutors Outline Egregious Case of Embezzlement and Fraud by Stephen Webster, former CEO of now defunct Success! Real Estate Finally, the law caught up with Stephen Webster of […]
- Title Insurance Compensates for Loss Based on the Highest and Best Use, Not the Use at the Time of…by Law Office of James J. Falcone on February 20, 2025 at 6:36 pm
A title insurance policy does not insure against future events. Instead, title insurance indemnifies the insured against loss resulting from differences between the actual title and the record title […]
- Success Real Estate’s Sudden Closing and Owner’s Alleged Embezzlement Leaves Agents and Buyers…by Rich Vetstein on January 11, 2025 at 10:23 am
BREAKING NEWS Update (Oct. 1, 2025): Stephen Webster Indicted and Arrested On Embezzlement and Larceny Charges Owner Stephen Webster Accused Of Pilfering Over $1 Million In Escrow and Firm Funds As […]
- Massachusetts Homestead Exemption Increased to $1 Millionby Rich Vetstein on September 27, 2024 at 2:26 pm
New Increase Included In Recently Passed Affordable Homes Act Flying under the radar in the recently passed Affordable Homes Act is that the amount of protection offered by a recorded Declaration of […]
- A Counterfeit South Carolina Driver’s License, Forged Deed, and a UPS Store In Philadelphia: The…by Rich Vetstein on September 12, 2024 at 3:20 pm
FBI Investigation: Scam Artists Use Forged Deed and Counterfeit ID’s to Steal Concord, MA Property; Local Real Estate Agent, Developer, and Attorneys Caught Up In Fraudulent Transaction Using a […]
- Massachusetts Eviction Record Sealing Bill Signed Into Lawby Rich Vetstein on August 7, 2024 at 11:51 am
Tenants Given Presumptive Right to Seal Certain Eviction Records; Strict Rules Imposed On Credit Reporting Agencies; Landlords May Lose Invaluable Tenant Screening Tool After years of lobbying, […]
- A Ticking Time Bomb: HOA Covenants Across Massachusetts May Have Silently Expiredby Rich Vetstein on July 13, 2024 at 3:23 pm
Hundreds of Massachusetts Homeowner’s Association (HOA) Covenants, Conditions and Restrictions (CCR’s) May Be Void and Unenforceable After a homeowner balked about paying a late fee, I was […]
- When a Real Estate Agent Acting as Referee in California Partition is Immune from Lawsuits –…by Law Office of James J. Falcone on April 29, 2024 at 4:33 pm
In California, a Partition action is used to resolve disputes between property owners, and results in sale of the property or physical division. The most common result is a judicial sale of the […]
- The Massachusetts Lis Pendens: The Definitive Guide For Lawyers and Clientsby Rich Vetstein on January 21, 2024 at 8:30 pm
A Massachusetts Real Estate Litigator Talks About Lis Pendens Basics, Strategy, and Pro Tips. Recently, I gave a well attended webinar for the Real Estate Bar Association on a subject that is near […]
- An Exception to the Due on Sale Clause – Sale from Parent to Child Using An All-Inclusive or…by Law Office of James J. Falcone on November 30, 2023 at 4:10 pm
An all-inclusive deed of trust (“AITD”) is used when the seller will be financing part of the selling price, and the buyer will also take subject to the existing deed of trust. The seller remains […]
- Tenant Rental Assistance Eviction Protection (Chapter 257) Re-enacted By Legislature and Gov. Healeyby Rich Vetstein on September 9, 2023 at 2:14 am
Non-payment Evictions Put On Hold Until Tenant RAFT Applications Are Denied/Approved Ignoring strong opposition from property owners, the Legislature and Gov. Healey have re-enacted a Covid-19 era […]
- Buying a Home: What to Know About An Appraisal Contingencyby Oppenheim Law on September 4, 2023 at 9:26 pm
If you are a homebuyer seeking a mortgage and the house you contract for appraises for less than the actual contract price, you need to fully evaluate whether to waive the so-called appraisal gap. […]
- The Calm Before The Stormby Oppenheim Law on August 22, 2023 at 8:53 pm
We are in a percolating real estate cycle which is clearly symbiotic with the economy. For some, the economy is going quite well. For example, those who have 401(k)s are generally impressed with how […]
- An Alternative to Traditional Lender Mortgages: Seller Financingby Oppenheim Law on August 4, 2023 at 8:28 pm
Are you a seller willing to provide a mortgage to a prospective home purchaser? Or, are you a residential home purchaser able to purchase a home for full price or even a higher offer and seek […]
- When Will the Housing Market Pick Up Again?by Oppenheim Law on July 25, 2023 at 12:49 pm
Why Is the Housing Market So Sluggish? There is a critical shortage of homes causing a weak housing market. Sales of pre-owned homes dropped 3.3% in June from May, and 18.9% lower than from June of […]
- Florida’s Controversial New Law: Limitations of Foreigners Acquiring Real Propertyby Oppenheim Law on July 5, 2023 at 1:08 pm
As of July 1, 2023, Florida’s recently enacted legislation, SB264, restricts certain foreigners from buying or owning Florida real estate. Specifically, the new law, codified in Florida Statutes […]
- Zombie Mortgages & Potential Foreclosures by Oppenheim Law on June 6, 2023 at 10:31 pm
Many homeowners may have taken second mortgages, including home equity lines of credit, on their homes years ago, and thought that the underlying mortgage debt for such loans was forgiven. Other […]
- Do cash homebuyers have an advantage?by Oppenheim Law on May 1, 2023 at 4:48 pm
Cash offers on homes have increased substantially over the last few years. In 2022, according to Redfin, 30% of all home sales were paid with all cash with 64% of all $1 million plus sales in Palm […]
- Florida’s Affordable Housing Lawby Oppenheim Law on April 13, 2023 at 7:47 pm
The Live Local Act is Florida’s response to the housing crisis affordable legislation, designed to provide developers with substantial tax breaks and hundreds of millions of dollars in funding. On […]
- Housing Court To Speed Up Eviction Cases and Shift To More In-Person Eventsby Rich Vetstein on April 4, 2023 at 12:45 am
New Rules Aimed At Reducing Pandemic Era Case Backlogs and Delays Are the old days of packed Thursday morning summary process sessions coming back? They just may be. With the expiration of a pandemic […]
- Back to the Financial Time Machine: Bracing for the 2023 Recessionby Oppenheim Law on March 28, 2023 at 11:14 pm
As the global economic landscape continues to devolve, it is crucial to draw upon the lessons learned from previous financial crises, much like Marty McFly’s thrilling time travel experiences in […]
- Best Home Deals? New Construction!by Oppenheim Law on March 13, 2023 at 7:39 pm
While there still are residential home buyers waiting to buy until mortgage rates lower and with home appreciation prices slowing, there are nevertheless opportunities for homebuyers in the new […]
- Boston Rent Control Bill Will Wreak Havoc In City’s Housing Marketby Rich Vetstein on March 9, 2023 at 9:55 pm
Wu Administration Misled Public On Details Of Plan: Corrupt Local Rent Control Boards Can Override Rent Increases, Lifetime Leases Allowed, Small Housing Providers Unfairly Targeted The Boston City […]
- Worcester Area Couple Evicted For 14th Time, Leaving Trail of Unpaid Judgments and Moving Bills For…by Rich Vetstein on February 2, 2023 at 11:59 am
In my 25 years of law practice, I’ve seen a lot of crazy stuff, but this recent eviction case may top my list of “Professional Tenants.” With 14+ evictions, a slew of larceny charges on their […]
- Doctrine of Merger in California Real Estate – Owning adjoining parcels may eliminate an easement…by Law Office of James J. Falcone on January 23, 2023 at 4:30 pm
The Doctrine of Merger in California real property law provides that when a greater and lesser estate are vested in the same person, the lesser estate may merge into the greater estate and the lesser […]
