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Nicole Vinson, an attorney at Merlyn Law Group, specializes in handling denied or delayed property insurance claims nationwide for both commercial and residential losses. She emphasizes the importance of promptly reporting a loss to the insurance company, but also stresses the need to be prepared when presenting the claim, as insurance companies may initially deny or delay claims despite years of paying premiums and having a good relationship with the agent. It is crucial to be ready for potential obstacles in the claims process.