Denise Hsu Sze, Esq.

Denise Hsu Sze, Esq.

Denise H. Sze is Of Counsel at Merlin Law Group, P.A. and has a diversified background in civil litigation with a focus on insurance bad faith, along with several other areas of practice. During her time as a civil litigator, Ms. Sze has represented hundreds of California business owners and individual policyholders against their insurance companies, helping them recover substantial payouts on their property and casualty insurance claims.

Ms. Sze has extensive case management experience in a variety of practice areas, from the inception of action through trial. Ms. Sze was the attorney hired on to open the Los Angeles office of Merlin Law Group. Prior to her employment with Merlin Law Group, she was the Managing Attorney of a boutique firm in Los Angeles representing consumers in property insurance bad faith litigation, breach of contract, catastrophic injury, wrongful death, and elder abuse actions. Although Ms. Sze’s practice is dedicated to consumers, her experience includes both plaintiff and defense practices in several practice areas, including product liability actions, copyright, patent and trademark litigation, stockbroker wrongdoing cases, and a variety of probate, trust, and estate actions.

Ms. Sze has resided in Southern California for the last 30 years and attended the University of California at Los Angeles, graduating with a degree in sociology and business administration in 1996. Shortly after she attended Loyola Law School graduating in 2001. She spent her summers at Morrison & Foerster, LLP working internationally in their Beijing office before returning to the U.S. to work at Fogel & Associates, where she began actively bringing insurance bad faith cases on behalf of the insured through UM/UIM claims.

Since 2014, Ms. Sze is the General Counsel for the California Association of Public Insurance Adjusters (CAPIA) and is actively involved on the specially formed CAPIA Executive Committee for legislative matters impacting insureds in the state of California. As a passionate consumer advocate, she is also entrusted with the title of the California Director of the Legislative Committee for the American Association of Public Insurance Adjusters (AAPIA) where, in turn, she observes and reports on any changes in California legislation to AAPIA. Ms. Sze is an active member of the National Association of Public Insurance Adjusters and sits on the Ethics committee. She travels the country working on cases in multiple jurisdictions and teaches seminars on presenting and negotiating insurance claims.

Ms. Sze is an active member of consumer protection organizations groups such as the Consumer Attorneys of California, CAALA, amongst others. An active member of the California bar, she is also licensed to practice law in Hawaii.


Loyola Law School
Los Angeles, California

Juris Doctorate

University of California
Los Angeles, California

Bachelor of Arts in Sociology, Business Administration Specialization
Honors: Alpha Kappa Delta
Honors: Dean’s List 1993-1996

  • Classes/Seminars Taught

    CAOC Annual Convention- Spotting Bad Faith- November 16, 2013

    NAPIA Winter Conference Las Vegas (Las Vegas, NV)- Dealing with Insurance Companies – How Your Actions during the Claim Process Affect Litigation- December 17, 2013

    First Party Claims Conference (Marina del Rey, CA) – Additional Living Expenses- March 26, 2015

    First Party Claims Conference (Marina del Rey, CA) – Documenting a File, Tips for Communicating with the Insurance Company- March 26, 2015

    First Party Claims Conference(Providence, RI)- How to Organize, Document and Adjust High Value Personal Lines Claims- October 20, 2015

    First Party Claims Conference (Marina del Rey, CA) – Ethically Handling Property Insurance claims from State to Finish- March 31, 2016 with William F. Merlin, Esq.

    NAPIA Summer Conference; Laguna (Laguna, CA)- Tenant’s Improvements and Betterments- June 2016 with William G. Rake

  • Professional Associations & Memberships

    American Bar Association

    American Association for Justice

    Consumer Attorneys of California (CAOC)

    Consumers Attorneys Association of Los Angeles (CAALA)

    National Association of Public Insurance Adjusters (NAPIA) Associate Member

    California Association of Public Insurance Adjusters (CAPIA) Associate Member

    Community Associations Institute (CAI) Associate Member

    Beverly Hills Bar Association