Disciplined in Sophisticated Defense and Insurance Litigation

A Partner at Butler since 1999, Gina G. Smith devotes her Tallahassee practice to first party property coverage matters, primarily those involving insurance fraud and suspected arson. Aside from arson and fraud, Gina’s practice areas also include casualty defense litigation, coverage defense, and extra-contractual matters.

Gina received her Bachelor of Arts degree in Political Science from the University of California, Berkley, where she graduated with honors in 1975. She received her Masters in Public Administration in 1977 from the University of Southern California. In 1987, Gina graduated with honors from the Florida State University College Law and was admitted to The Florida Bar.  

Prior to joining Butler, Gina was a prosecutor and Deputy Chief Assistant for The Florida Office of Statewide Prosecution. During this time, she gained extensive experience in the areas of healthcare fraud, white-collar crime, and insurance fraud. Before shifting over to civil practice, Gina was board certified in criminal trial law. She has significant jury trial experience and is rated AV by Martindale-Hubbell.


  • Florida


  • AV Peer Rating, Martindale-Hubbell


  • University of California, Berkeley
    Bachelor of Arts
  • University of Southern California
    Masters in Public Administration
  • Florida State University College of Law
    Doctor of Jurisprudence


  • American Bar Association's Tort Trial and Insurance Practice Section
  • CLM Insurance Fraud Committee Litigation Magazine Sub-Committee Co-Chair
  • Defense Research Institute (DRI)
  • Florida Chapter of the National Society of Professional Insurance Investigators (NSPII) 1st Vice President
  • Florida P&C Insurance Fraud Task Force
  • International Association of Arson Investigators (IAAI)
  • Past president and current Legislative Committee Chair of the Florida Advisory Committee on Arson Prevention
  • Tallahassee Bar Association
  • The Florida Bar
  • Vice President of the Northern Florida Chapter of the Claims & Litigation Management Alliance (CLM)


  • Florida Courts (Northern, Middle and Southern Districts)
  • U.S. District Courts
  • United States Fourth and Eleventh Circuit Courts of Appeals
August 01, 2013 PUBLICATIONInvestigation: Fraud Squad. Keys to Good Faith Fraud Referrals

Unlike robbery, grand theft auto, and other street crimes, insurance fraud is rarely committed in a manner easily detected by law enforcement. 

Read More »
August 21, 2007 PUBLICATIONA Tale of Three Deductibles and Six Words: Florida Federal Court Upholds Insurers' Interpretation of Hurricane Deductibles in Absence of Genuine Policy Ambiguity

Within a 30-day period, the U.S. District Court for the Southern District of Florida addressed the application of hurricane deductibles in three different coverage matters. Although the policies at issue insured different types of risks and the policy language varied in each case, the court reemphasized the basic principles of interpretation of insurance contracts under Florida law: (1) ambiguous policy language is that which is susceptible to more than one reasonable interpretation and will be construed against the insurer; (2) in determining whether policy language is ambiguous, the inquiry is whether there is a genuine inconsistency in the policy, reading it as a whole; and (3) the mere absence of a definition for a word or phrase in a policy does not render it ambiguous.

Read More »


September 09, 2015 EVENTCLM Claims College, School of Insurance Fraud
CLM Claims College, School of Insurance Fraud
Read More »
June 10, 2015 EVENTInsurance Fraud Education Committee 23rd Annual Conference
Insurance Fraud Education Committee 23rd Annual Conference
Read More »
November 05, 2014 EVENTFACAP 37th Annual Training Conference
FACAP 37th Annual Training Conference
Read More »
January 25, 2013 EVENTCLM 2013 Bad Faith/Coverage/Fraud Conference
CLM 2013 Bad Faith/Coverage/Fraud Conference
Read More »
June 14, 2012 EVENTFlorida Insurance Fraud Education Committee Conference
Florida Insurance Fraud Education Committee Conference
Read More »
November 02, 2011 EVENTFACAP Seminar
FACAP Seminar
Read More »
November 15, 2009 EVENTInvestigating and Litigating the Suspicious Fire Claim
Investigating and Litigating the Suspicious Fire Claim
Read More »
November 04, 2009 EVENTDeposition and Trial Testimony Techniques
Deposition and Trial Testimony Techniques
Read More »
November 12, 2008 EVENTLegal Updates and Issues
Legal Updates and Issues
Read More »
October 22, 2008 EVENTThe Examination Under Oath: Not Just Another Deposition
The Examination Under Oath: Not Just Another Deposition
Read More »
November 14, 2007 EVENTLegal Updates and Issues: Old and New
Legal Updates and Issues: Old and New
Read More »
September 18, 2007 EVENTExaminations Under Oath
Examinations Under Oath
Read More »
July 12, 2007 EVENTFlorida Insurance Adjusters - Ethical Considerations & Practical Advice for Claim Handling
Florida Insurance Adjusters - Ethical Considerations & Practical Advice for Claim Handling
Read More »
June 13, 2007 EVENTExaminations Under Oath: The Ultimate Investigative Tool
Examinations Under Oath: The Ultimate Investigative Tool
Read More »
Key Points
Practice Area CASE TYPE
  • Arson
  • Disability Fraud
  • False Arrest
  • Fire (Suspected or Potential Fraud)
  • Malicious Prosecution
  • Personal Injury Protection
  • Subrogation
  • Administrative Law - Professional Licensing
  • Coverage - First Party Property
  • Fidelity and Surety