Disciplined in Sophisticated Defense and Insurance Litigation

A Partner at Butler, Christopher M. Ramey practices in our Arson and Fraud, Coverage Defense, and Extra-Contractual Claims departments. His cases cover issues including bad faith, excess coverage, explosions, fire-related fraud, first-party coverage issues, homeowner's insurance, hurricane losses, insurance fraud, SIU, and theft.

Chris's practice mainly focuses upon first party property insurance matters including losses related to windstorm, fire, sinkhole, theft, and other catastrophic perils. He is also experienced in defending extra-contractual claims including first party bad faith actions. Chris frequently litigates first party extra-contractual matters and has experience doing so in Florida, Georgia, and Louisiana courts.

Chris is admitted to practice in all Florida courts, as well as the U.S. District Court for the Middle and Southern Districts of Florida. He has extensive experience in multi-week trials in Florida state courts, Florida federal court, and Louisiana, as well as appellate experience in Florida state courts, Florida federal court, Louisiana, and Georgia.

Chris joined the firm shortly after receiving his Doctor of Jurisprudence degree from the University of Florida in 2007. While in law school, Chris served as a judicial clerk for the Honorable Richard B. Orfinger at the Fifth District Court of Appeals in Daytona Beach, Florida. Chris also attended the University of Oxford in summer 2006 and received a Bachelor of Arts in Political Science, with honors, from the University of Florida in 2004.


  • Florida


  • University of Florida
    Bachelor of Arts in Political Science
  • University of Florida, Levin College of Law
    Doctor of Jurisprudence


  • Florida Courts (Middle District)
  • Florida Courts (Southern District)
  • Florida State Courts

American Home Assurance Co. v. Sebo, 141 So.3d 195 (Fla. 2d DCA 2013)

October 25, 2012 PUBLICATIONSquare Pegs In Round Holes: When The Adjustment Process Meets The Evidence Code

If given the chance, most property adjusters would skip the aspect of their job involving litigation. Avoiding lawyers, depositions, and, of course, trials would alleviate much stress. Unfortunately, dealing with lawyers and litigation is an unavoidable job hazard for most adjusters.

Read More »
April 23, 2009 PUBLICATIONArbitrary and Capricious

In Grilletta v. Lexington Insurance Company,8 the United States Court of Appeals for the Fifth Circuit reviewed the insurer's handling of a Hurricane Katrina property claim.9 Mr. Xavier Grilletta and Mr. Randy Lauman owned a vacation lakehouse on the southeastern shore of Lake Pontchartrain, a lake bordering New Orleans to the north. 

Read More »
January 22, 2008 PUBLICATIONRipe for Campbell Review: A Florida Uninsured Motorist Claimant's Statutory Right to Recover Excess Verdict Damages in a Bad Faith Action

In many jurisdictions, jurors can award punitive damages to punish or penalize an insurer for improper claims handling, in addition to any compensatory damages caused by an insurer’s bad faith. Such jury awards of punitive damages now are subject to scrutiny under State Farm Mutual Automobile Insurance Company v. Campbell.1 As a result of Campbell, insurers have one final check against excessive punitive damages awards by juries.

Read More »


April 17, 2016 EVENTClaims Conference & Insurance Services Expo

Adjusting Catastrophic Time Element Losses

Read More »
March 29, 2015 EVENTPLRB Claims Conference

Adjusting Catastrophic Time Element Losses

Read More »
Key Points
Practice Area CASE TYPE
  • Appellate
  • Attorney Fee Disputes
  • Bad Faith
  • Civil Remedy Notices
  • Commercial General Liability
  • Commercial Litigation
  • Construction Defect Litigation
  • Construction Defect Litigation - Indemnity Claims
  • Construction Defect Litigation - Sinkholes
  • Contribution Claims
  • Coverage - Business Interruption
  • Coverage - Business Owner's
  • Coverage - First Party Property
  • Coverage - Homeowner's
  • Coverage - Property
  • Excess Coverage
  • Extracontractual Claims
  • Fraud
  • General Casualty Litigation
  • Hurricane Losses
  • Insurance Fraud
  • Sovereign Immunity Issues