Disciplined in Sophisticated Defense and Insurance Litigation

Richard D. Gable, Jr. is a Partner in the Philadelphia office where he focuses his practice on Insurance Coverage, Arson & Fraud, Extra-Contractual claims including bad faith, and Subrogation. Rich has significant experience representing both domestic and international insurance carriers in large loss commercial property insurance coverage litigation, including litigation arising out of industrial, mining and energy losses, as well as property insurance subrogation. In addition to his experience in representing insurers, he also has experience defending other financial institutions against allegations of fraud, unfair trade practices, and violation of other consumer protection statutes.  

Rich joined the firm in 2012, bringing a wealth of commercial litigation and trial experience to the firm. Rich is a graduate of the University of Virginia and Villanova University School of Law. After law school he served as a Captain in the US Army Judge Advocate General's Corps for almost six years where he tried numerous felony courts-martial as both a military prosecutor and criminal defense attorney. 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. Rich is a former chair of the ABA/TTIPS Property Insurance Law Committee and currently a member of the Federation of Defense and Corporate Counsel (FDCC).  He frequently writes and lectures on issues involving litigation, trial practice and insurance coverage and maintains an AV rating by Martindale-Hubbell.


  • 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)
November 30, 2017 PUBLICATIONA Home After the Storm: How does additional living expense coverage respond to insureds impacted by hurricanes?

Hurricane Harvey recently displaced more than 1 million people, and news reports indicate that it left behind wreckage over an approximately 300 mile area. Hurricane Irma caused an estimated 6.5 million people to evacuate the storm in Florida. Victims of both hurricanes could not access their homes and stayed in hotels and other temporary housing as they awaited repairs and return of normal utility services.

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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

October 24, 2017 BLOG POSTFederal Judge finds post loss assignment of benefits proper under Pennsylvania law

In a recent opinion, Judge Schmehl of the Eastern District of Pennsylvania denied a forced placed insurer’s Motion to Dismiss a suit brought by the assignee of a homeowner for water damage to the home.  In Williams v. American Surety Insurance Company, the subject home was damaged by water while the mortgage company was in the process of foreclosing on the home.  The homeowner, who had been designated as “Borrower” under a forced placed insurance policy issued to the mortgage company, made a claim under the policy.  After the home was subsequently purchased at Sheriff’s Sale, the new buyer obtained an assignment of the claim.  The claim was denied and the purchaser brought suit.

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March 21, 2017 BLOG POSTPennsylvania Superior Court adopts narrow interpretations of surface water exclusion and ensuing loss clause

In the Ridgewood Group LLC v Millers Capital Insurance Company, No. 1138 EDA 2016, February 27, 2017, the Superior Court of Pennsylvania analyzed two often troublesome policy provisions, the surface water exclusion and the ensuing loss cause .

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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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June 22, 2017 COMMUNITYCTRL Your Future

For the second year in a row, Butler Weihmuller Katz Craig has spread some end of the school year cheer to seniors in eight different locations. Butler’s annual CTRL Your Future essay contest was created by the Firm’s Community Service Committee to recognize deserving high school seniors who have exhibited commitment to their academics. The winners in each city received a brand-new laptop with a full Microsoft Office Suite installed to assist them in their studies in the fall at their four-year college.

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

Penn Treaty High School senior receives Step-Up Award.

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November 02, 2016 EVENTBad Faith Update: Key Jurisdictions

4th Annual Bad Faith Claims & Litigation Strategies ExecuSummit

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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 29, 2017 NEWSThe 2017 Super Lawyers List is here!

Super Lawyers, a rating service for outstanding lawyers that utilizes independent research, peer nominations and peer evaluations, has selected multiple Butler attorneys as "Super Lawyers" in their area of practice. View our attorneys who are on the 2017 Super Lawyers List:

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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