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Nicole Vinson, an attorney with the Merlyn Law Group, specializes in handling denied or delayed property insurance claims across the nation for both commercial and residential losses. She emphasizes the importance of promptly reporting any loss to the insurance company, whether catastrophic or minor. However, she advises that claimants should be prepared to present their claims effectively, as the initial response from the insurance company may not be favorable, despite having paid premiums and having a long-standing relationship with the agent. Understanding this dynamic is crucial for policyholders dealing with insurance claims.