Disciplined in Sophisticated Defense and Insurance Litigation

Richard D. Gable, Jr. is a Partner in the Philadelphia office where he focuses on arson & fraud, coverage defense, extra-contractual, and subrogation & recovery law. Rich has experience with large loss commercial property insurance coverage litigation as well as property insurance subrogation. In addition to his experience in defending insurers, he also has experience defending financial institutions from fraud claims, unfair trade practices, and the violation of other consumer protection statutes.  

Rich joined the firm in 2012, bringing a wealth of commercial litigation and trial experience to the firm. His experience began a decade earlier. Rich earned his Doctor of Jurisprudence from Villanova University School of Law in 1992. After that, he served as a Captain in the US Army Judge Advocate General's Corps for almost six years. During his military career, Rich also served as a Special Assistant United States Attorney in the office of the United States Attorney for the Eastern District of Virginia. He went on to become a Partner at another law firm, where he worked for over 8 years becoming the director there before joining Butler.


  • New Jersey
  • Pennsylvania


  • Past Chair of the American Bar Association's Property Insurance Law Committee
  • Pennsylvania Super Lawyer, Insurance Coverage


  • University of Virginia
    Bachelor of Science
  • Villanova University School of Law
    Doctor of Jurisprudence


  • American Bar Association (ABA)
March 04, 2016 PUBLICATIONShelter from the Storm: Potential Disputes in Handling Additional Living Expense Claims

If the insurer and the homeowners cannot come to an agreement on these issues early in the resolution process, disputes are likely to develop that may quickly lead to a contentious claims resolution and, ultimately, to litigation with the potential for extra-contractual damages.

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Blog Posts

August 11, 2015 BLOG POSTInsurers Don't Sleep on Your Rights: Insurer's Motion to Intervene Denied as Untimely

The court noted that Cincinnati had been defending the action since 2012, but did not file the motion until 2015 and only on the eve of trial.  With regard to the damage interrogatories themselves, the parties argued that neither party’s expert had broken down the damages in the manner proposed by Cincinnati.

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January 20, 2015 BLOG POSTThe Season of Giving: Pennsylvania Supreme Court Finds Bad Faith Claims to be Assignable

Rejecting the holdings of two recent decisions by the Eastern District of Pennsylvania, the Supreme Court of Pennsylvania held in a 5-to-1 ruling that claims under Pennsylvania’s Bad Faith Statute (42 Pa.C.S. § 8371) are assignable to injured third parties. The decision, Allstate Prop. & Cas. Ins. Co. v. Wolfe, 2014 Pa. LEXIS 3309 (Pa. Dec. 15, 2014), considered the case of Jared Wolfe, who was injured in a car accident after being struck by Karl Zierle’s vehicle. 

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July 24, 2014 BLOG POSTAttorney-Expert Communications Are Now Protected in PA

Falling in line with the Federal Rules of Civil Procedure, the Supreme Court of Pennsylvania ordered that Rule of Civil Procedure 4003.5 be amended to reflect incorporation of an express prohibition against discovery of communications between attorneys and experts. The newly added language provides that a party “may not discover the communications between another party’s attorney and any expert,” regardless of whether such expert is designated for trial or specially retained during litigation. The amended rule also “protects from discovery draft expert reports and any communications between another party’s attorney and experts relating to such drafts.”

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July 22, 2014 BLOG POSTFeng Shui: Direct Physical Loss Does Not Include Damage to Invisible Forces

A federal judge recently ruled that an insurer was not obligated to pay $50,000 for a feng shui consultant following a fire loss in a dentist’s office. Patel v. American Economy Insurance Co. et al., No. 12-cv-04719, 2014 WL 1862211 (N.D. Cal. May 8, 2014). While the cost to repair the physical damage from the fire was insured under the policy, the court found that the cost to repair damage to any invisible forces that may have been at work in the office was not.

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July 26, 2015 EVENTFDCC Annual Meeting

The Disruptive Consequences of Public Health Events

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May 07, 2015 EVENTABA TIPS Property Insurance Law Committee

Ethical Considerations in Settlement and Mediation of a Complex Commercial Fire Claim.

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March 16, 2014 EVENT2014 PLRB Claims Conference

Dealing with Aggressive Contractors

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June 30, 2016 NEWS"Super Lawyers" at Butler

Meet Butler's newest Super Lawyers.

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May 25, 2016 NEWSPhiladelphia Recipient of Butler "Step-Up" Award Selected

Penn Treaty High School senior receives Step-Up Award.

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Key Points
Practice Area CASE TYPE
  • BOP
  • Commercial Litigation
  • Construction Defect Litigation - Indemnity Claims
  • Coverage - Boiler and Machinery
  • Coverage - Business Interruption
  • Coverage - Business Owner's
  • Coverage - First Party Automobile
  • Coverage - First Party Property
  • Coverage - Homeowner's
  • Coverage - Inland Marine
  • Coverage - Property
  • Deceptive and Unfair Trade Practices
  • Energy
  • Extracontractual Claims
  • Fire (Suspected or Potential Fraud)
  • Fraud
  • Heavy Equipment Claims
  • Hurricane Losses
  • Insurance Fraud
  • Personal Injury Protection
  • Structural Collapse
  • Subrogation