Daniel J. Veroff, Esq.

Daniel J. Veroff, Esq.

During law school Dan chose to devote his career to helping policyholders when his own insurer refused to cover an expensive pipe break claim in his home. His battle for coverage—and to protect himself from financial peril—taught him everything he needed to know about how insurance companies mistreat their customers. After graduating law school he immediately began working for a prominent policyholder firm and has not looked back since. In 2018, he brought his experience to Merlin Law Group’s California practice.

Dan’s track record speaks for itself. For example:

  • Dan sued Liberty Mutual after it refused to pay disability benefits to a college administrator who survived stomach cancer but was left physically and mentally impaired from chemotherapy treatments.
  • He sued Farmers after it attempted to fix sewage water damage to a military family’s home on the cheap by pointing high-powered fans directly at the contaminated material for days on end, leading to medical problems for the insured.
  • He sued a company after its human resources director negligently uninsured one of its executive directors while she was undergoing her seventh surgery for cancer treatment, and then attempted to fraudulently cover up its errors by fabricating documents.
  • He filed a class-action lawsuit against the Hartford after discovering that the entire company was misapplying California depreciation laws, costing homeowners throughout the state millions of dollars.
  • He sued Travelers after it refused to cover arson fire damage to an apartment building by inserting a provision into the policy conditioning all coverage on the existence of fire sprinklers, despite knowing full and well that the property did not have fire sprinklers.
  • He sued General Star Insurance Company after it illegally canceled a restaurant and hotel’s insurance policy days before a fire destroyed the property.

Dan is on the board of directors for United Policyholders, and has drafted “friend of the court” briefs in favor of the California Department of Insurance after insurance companies frivolously tried to strike down consumer friendly laws.

Superlawyers has designated Dan as a “Super Lawyer – Rising Star” in insurance, an honor awarded to no more than 2.5% of lawyers under 40 in Northern California.

While Dan works Life, Health and Disability cases, he maintains a strong property insurance practice which covers both commercial and residential property claims.


University of California, Hastings College of the Law
San Francisco, CA
Juris Doctor

University of San Francisco
San Francisco, CA

  • Published Works
    • “Natural Disasters Have Changed the Insurance Marketplace in California for the Worse; Legislative Action is Necessary” Tort Trial & Insurance Practice Excess, Surplus Lines and Reinsurance Committee – Winter 2018 Newsletter.
    • “The ‘Active Work’ Requirement in Group Life Insurance Policies: Employers and Brokers Beware” Tort Trial & Insurance Practice Health and Disability & Life Insurance Law Committee – Winter 2017 Newsletter.
    • “California Property Law: When is Depreciation Illegal, and When is a Loss Total Versus Partial?” Tort Trial & Insurance Practice Insurance Regulation Committee – Winter 2017 Newsletter.
    • “CA High Court’s Strong Ruling for Homeowners: Upholds CA Ins Commr. Power to ‘Fill in the Gaps’ in UIPA Law; Finds Against Insurance Industry,” Tort Trial & Insurance Practice Insurance Regulation Committee – Spring 2017 Newsletter.
  • Classes/Seminars Taught
    • “Legal Issues Surrounding Disaster Claims,” American Bar Association, National Webinar, June 2018
    • “Issues That Will Fill Your Inbox in 2018,” American Bar Association, Property Insurance Law Committee Annual Meeting, March 2018
    • “The Perils and Pitfalls of Judicial Challenges,” March 2017
    • “Catch UP: Surplus Lines Carriers,” Webinar, January 2017
    • “Preparing Auto, Property and Business Insurance Cases for Mediation and Trial,” Consumer Attorneys of California Annual Convention, November 2016
    • “The Effects of the Health Insurance Portability and Accountability Act (HIPAA) and the Confidentiality of Medical Information Act (CMIA) on Litigation,” February 2016
    • “Corporate Privilege and Attorney Communication with Adverse Corporate Employees,” May 2015
    • “State Bar Repercussions for Misusing Client Trust Account Funds,” March 2015
    • “Material Misrepresentations in Insurance Applications,” April 2013
    • “Legal Ethics: Elimination of Bias in the Courtroom,” April 2012
  • Honors & Awards
    • Member, Board of Directors, United Policyholders
    • Super Lawyer – Rising Star

  • Professional Associations & Memberships

    • American Bar Association

    • American Association for Justice

    • Disaster Legal Services

    • Consumer Attorneys of California

    • San Francisco Trial Lawyers Association

    • Bar Association of San Francisco

    • Inns of Court, San Francisco Division