Chip Merlin, founder and president of Merlin Law Group, which represents policyholders in insurance disputes. It has offices in California, Colorado, Florida, Illinois, Louisiana, New Jersey, Oklahoma and Texas. He is author of Pay Up! Preventing a Disaster with Your Own Insurance Company. MerlinLawGroup.com
A 2,000-pound boulder rolled down a hill in New Castle, Colorado, crashing into a home and causing extensive damage. The…