Martina Evans v. Greenwich Insurance a/k/a AXA XL Insurance Company, et al.

CourtDistrict Court, D. Maryland
DecidedMarch 11, 2026
Docket1:24-cv-03492
StatusUnknown

This text of Martina Evans v. Greenwich Insurance a/k/a AXA XL Insurance Company, et al. (Martina Evans v. Greenwich Insurance a/k/a AXA XL Insurance Company, et al.) is published on Counsel Stack Legal Research, covering District Court, D. Maryland primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Martina Evans v. Greenwich Insurance a/k/a AXA XL Insurance Company, et al., (D. Md. 2026).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND

MARTINA EVANS, * * Plaintiff, * * v. * Civ. No. MJM-24-3492 * GREENWICH INSURANCE a/k/a * AXA XL INSURANCE COMPANY, et al., * * Defendants. * * * * * * * * * * * * *

MEMORANDUM OPINION Self-represented plaintiff Martina Evans (“Plaintiff”) initiated this civil action against Greenwich Insurance Company (“Greenwich”) and Mikhael D. Charnoff (collectively, “Defendants”). ECF No. 1 (Compl.); ECF No. 10 (Am. Compl.). Plaintiff alleges several tort claims in her First Amended Complaint—including defamation, false light, negligence, and invasion of privacy—and she seeks compensatory and punitive damages totaling $260 million, as well as injunctive relief. See Am. Compl. at 10, 13, 16, 18, 20, 22, 25. This matter is before the Court on Greenwich and Charnoff’s Motions to Dismiss. ECF Nos. 14 & 16. Plaintiff filed responses in opposition to both motions. ECF Nos. 21 & 22. Defendants subsequently filed replies. ECF Nos. 23 & 24. No hearing is necessary to resolve these motions. See Loc. R. 105.6 (D. Md. 2025). For the reasons set forth below, the Court shall grant both motions.1

1 In her responses to Defendants’ motions, Plaintiff requests leave to file an amended complaint in the alternative to denying the motions. See ECF No. 21 at 41; ECF No. 22 at 24. This alternative motion for leave to amend fails to satisfy the requirements of Local Rule 103.6 (D. Md. 2025). The motion is denied. However, in consideration of Plaintiff’s self-represented status, she will be given an opportunity to notify the Court whether she intends to seek leave to amend after reviewing this Memorandum Opinion. I. FACTUAL BACKGROUND2 In June 2020, Plaintiff purchased a townhome in the Shipley Homestead Community in Anne Arundel County, Maryland. Am. Compl. ¶¶ 5–6. The community is comprised of over 500 homes and is governed by the Shipley Homestead Homeowners Association (“HOA”). Id. ¶¶ 5, 7.

From February 2022 through January 2023, Plaintiff served as Treasurer on the 2022-2023 Board of Directors for the Shipley Homestead HOA (the “HOA Board” or the “Board”). Id. ¶¶ 7, 9. Shipley Homestead Community resident Valentine Kravets served as a director on the 2022-2023 HOA Board. Id. ¶ 10. In January 2023, Plaintiff was re-elected to the HOA Board for a second year-long term, and Kravets was elected President of the HOA Board. Id. ¶¶ 10, 12. Shortly after Plaintiff and Kravets began serving on the HOA Board together in February 2022, Kravets started to “harass[],” “humiliate[],” and verbally “attack[]” Plaintiff. Id. ¶ 11. “[O]n numerous occasions,” Kravets urged the 2022-2023 HOA Board President Rochelle Bryant “to remove Plaintiff from the Board.” Id. Kravets’s conduct towards Plaintiff worsened once his term as President began in February 2023. Id. ¶ 13. On February 28, 2023, Plaintiff filed a claim against

Kravets with Greenwich, the insurer for the Shipley Homestead HOA. Id. ¶¶ 3, 14. In March and April 2023, Kravets censured Plaintiff. Id. ¶ 15. He then read the censures at an HOA meeting and posted them on a public HOA community page. Id. On April 10, 2023, Plaintiff filed a lawsuit against Kravets in the Circuit Court for Anne Arundel County, Maryland (the “Anne Arundel litigation”), alleging defamation, false light, negligence, private nuisance, and assault, and later adding more claims, including racial discrimination. Id. ¶ 16; ECF No. 16-2 (Def. Ex. A); see also Evans v. Kravets et al., Case No. C-

2 The facts outlined in this Part of the Memorandum Opinion are drawn from allegations in the Amended Complaint and materials referenced therein. 02-CV-23-000698 (Cir. Ct. Anne Arundel Cnty., Md. 2023). On or about April 21, 2023, Kravets removed Plaintiff from the Board, which he justified by asserting that Plaintiff was not among the top five vote receivers in the 2023 HOA Board election and was therefore an “‘illegitimate’ Director.” Am. Compl. ¶ 17. On May 30, 2023, Charnoff, who was retained by Greenwich, entered

his appearance as counsel on behalf of Kravets in the Anne Arundel litigation. Id. ¶ 18. The Amended Complaint alleges that “[a]t all times herein, . . . Charnoff acted as an agent, servant, and/or employee and at the behest of [Greenwich].” Id. ¶ 19. After a hearing on November 20, 2023, the circuit court dismissed the case. ECF No. 16-2 at 3–6. Plaintiff noticed an appeal the same day. See MD. JUDICIARY CASE SEARCH, https://casesearch.mdcourts.gov/ [https://perma.cc/Z7NQ-JESF] (last visited March 9, 2026) (hereinafter “MD. JUDICIARY CASE SEARCH”).3 On November 30, 2023, Plaintiff emailed Charnoff to express “concern that the HOA’s attorney, Kathleen Elmore[,] was racking up legal fees unnecessarily by providing legal services and advice to Kravets” even though he already had counsel. Am. Compl. ¶ 24; see also ECF Nos.

21-5 & 22-3 (Pl. Ex. 2) (Plaintiff’s email to Charnoff about Elmore). Plaintiff alleges that, in response, Charnoff wrote a “letter” to Plaintiff wherein he made “false,” “threaten[ing],” “insult[ing],” “intimidat[ing],” and “humiliat[ing]” remarks against her. Am. Compl. ¶ 25; see also ECF No. 1-1 (email).4 Some of the alleged false statements include: (1) that Plaintiff filed “a vexatious, baseless and petty litigation”; (2) that Plaintiff was “taking up valuable resources of the Court system and imposing real costs to litigants”; and (3) that Plaintiff committed discovery

3 The Appellate Court of Maryland later affirmed the dismissal. ECF No. 16-2 at 1. 4 Plaintiff describes the document as a “letter” in the Amended Complaint, but an exhibit attached to the Complaint shows that Charnoff’s statements were contained in the body of an email. See ECF No. 1- 1. violations. See Am. Compl. ¶¶ 26, 28–38, 40–41, 70, 73–82, 84, 96, 99–108, 110 (allegations of false statements and accusations made by Charnoff); see also ECF Nos. 21-6 & 22-5 (Pl. Ex. 3). Plaintiff also alleges that Charnoff’s letter falsely placed all blame on her for delays in the Anne Arundel litigation even though he admitted in court that “his lack of experience, knowledge and

skill in Maryland practice” was “the sole reason for the delay in [his] defense” of Kravets. Am. Compl. ¶¶ 117–18, 128–30, 140–42. According to Plaintiff, Kravets, with Charnoff’s consent, shared his letter via email with the entire Shipley Homestead Community and HOA. Id. ¶¶ 66, 91, 115, 127, 139, 150. The alleged “false statements” in the letter “bolstered residents to make threatening, harassing emails and posts about Plaintiff on social media,” including one that read: “I vote to remove [Martina Evans] from the entire damn neighborhood.” Id. ¶¶ 41, 67, 93, 164. Charnoff’s “false statements” about Plaintiff also “emboldened one of Kravets’ witnesses . . . to harass, attack, threaten, and make false accusations against [her],” jeopardizing “her health, financial stability, and livelihood.” Id. ¶¶ 43, 68; see also id. ¶¶ 44–53 (allegations of false statements made by one of Kravets’ witnesses, D.

Michele Conger). Plaintiff further alleges that Charnoff continued to make “inflammatory statements” about her to the Shipley Homestead Community after November 30, 2023, id. ¶¶ 65, 94, and that he disclosed Plaintiff’s personal email to the entire HOA without her consent, id. ¶¶ 27, 71, 97, 149, 151. Charnoff also allegedly “publicized facts about Plaintiff which were not of valid concern to the public.” Id. ¶ 165. On May 28, 2024, Plaintiff received an email from Greenwich’s counsel, Ezra Gollogly.5 Id. ¶ 55; ECF No. 16-3 (Def. Ex. B). That day, Gollogly asked Plaintiff to cease all contact with Greenwich directly, and Plaintiff agreed. Am. Compl. ¶ 55; see also ECF No. 16-3 at 2, 4. On July

5 The Amended Complaint alleges that “[a]t all times herein, Gollogly acted as an agent, servant, and/or employee and at the behest of [Greenwich].” Am. Compl. ¶ 59.

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Martina Evans v. Greenwich Insurance a/k/a AXA XL Insurance Company, et al., Counsel Stack Legal Research, https://law.counselstack.com/opinion/martina-evans-v-greenwich-insurance-aka-axa-xl-insurance-company-et-al-mdd-2026.