Michael Ponzo

Michael Ponzo Michael Ponzo joined Merlin Law Group in 2018 and focuses his practice on representing first party commercial and residential property insurance claim disputes and bad faith insurance litigation. Michael represents policyholders who are forced to litigate against their insurance producer or insurance company, when they fail to meet their obligations to the policy holder or simply place their interests first. Read More...

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Has Your Agent Explained the Impact of a Property Coinsurance Provision?

In a recent deposition in an insurance producer malpractice case, the producer was asked about the purpose of co-insurance and how our insured would be impacted under the provision if the building was underinsured. Unfortunately, the producer was unable to explain how the co-insurance provision worked or how the insured could be penalized. This prompted … Continue Reading

Legal Action Against Us Clause

While the timeframe to file a legal action is generally defined under the Statute of Limitations, in some states an insurance policy can contractually establish a shorter period to file a legal action. In a recent California case, Keller v. Federal Insurance Company,1 the Ninth Circuit upheld a Legal Action Against Us clause, finding the … Continue Reading

Reciprocal Insurance Companies

Federal courts are courts of limited jurisdiction, possessing only that power authorized by Article III of the United States Constitution and statutes enacted by Congress. Under 28 U.S.C. § 1332, federal district courts “have original jurisdiction of all civil actions where the matter in controversy exceeds the sum or value of $75,000 … and is … Continue Reading