Melissa J. Perez
Insurance Coverage Attorney
- Litigator
- Problem-Solver
- Trusted Advisor
- Settlement & Resolution Focus
Biography
Melissa J. Perez is a nationally recognized insurance coverage attorney with more than two decades of experience guiding clients through complex, high‑exposure matters. Drawing on big‑firm experience in elite national insurance practices, along with business insight gained through corporate roles within the insurance industry, she delivers strategic, practical, and operationally informed legal advice that her clients can trust.
Melissa also worked as a registered nurse in an inpatient environment, which often informs her approach to advising clients.
Coverage + Claims Experience
Melissa’s practice is grounded in a deep litigation foundation developed through decades of navigating complex claims and coverage matters. She has litigated in state and federal courts, primarily in California, including matters involving allegations of bad faith and multi‑party cases with claimed damages exceeding hundreds of millions of dollars. Judges, mediators, opposing parties and counsel, and clients consistently commend her professionalism, creativity, and highly effective negotiation style. She is known for her ability to balance legal strategy with business objectives, often resolving disputes efficiently and avoiding unnecessary litigation costs.
As a trusted advisor, Melissa provides pre-litigation counseling and advice on complex coverage and claims handling issues in California and nationwide. Her experience spans first-party claims under homeowners, business, cyber, and pollution policies, as well as third-party liability claims involving, among others, medical professional liability, life sciences, directors and officers, employment practices, lawyers malpractice, commercial general liability, environmental liability, and emerging risks such as media technology and cyber.
She also serves as monitoring counsel, guiding clients through the full life cycle of complex claims.
Dual Credentials (RN + Attorney)
Melissa’s dual credentials as a registered nurse and attorney uniquely position her to assess liability and exposure in catastrophic injury and medical liability cases. This clinical insight, combined with her legal experience, supports comprehensive strategy in the most challenging matters.
Professional Background
Melissa has spent 20 years in private practice. She was Of Counsel at Troutman Sanders LLP and a Partner at Burger, Meyer & D’Angelo LLP. She also served in corporate roles as a Director in the Strategic Coverage Unit at one of the nation’s largest insurance companies, and most recently, as claims counsel for a cutting edge cyber-focused InsurTech firm.
Education
Bachelors of Science in Nursing
Community & Pro Bono
Melissa has partnered on pro bono matters with the Orange County Public Law Center and KIND (Kids in Need of Defense). She has also represented active duty servicemembers in family court proceedings and volunteers as a scorer for the San Diego County High School Mock Trial competition.
Personal Note
Outside of practicing law, Melissa enjoys cooking (especially when her four adult boys return home for mom’s home cooking), gardening, and attending and hosting live music events.