AmGuard Insurance Company v. Merrill

UNITED STATES DISTRICT COURT July 10, 2025 SOUTHERN DISTRICT OF TEXAS Nathan Ochsner, Clerk MCALLEN DIVISION AMGUARD INSURANCE COMPANY, § § Plaintiff, § § v. § Civil Action No. 7:24-CV-00509 § RAQUEL MERRILL, § § Defendant. § MEMORANDUM ORDER AND OPINION The question presented here is whether an insurer may compel appraisal under a home-insurance policy when the insured does not dispute the amount of loss, waives any claim to policy benefits, and sues only an independent adjuster and the adjuster’s agency for extra-contractual claims in a separate state-court action. Defendant Raquel Merrill…