Disciplined in Sophisticated Defense and Insurance Litigation

Thomas A. Keller is the Hiring Partner at Butler. Based out of the Tampa office, his primary practice area is coverage defense. Tom handles mostly first-party property insurance coverage defense cases and extra-contractual matters.

Tom has been with Butler since 2003. Prior to joining our team, Tom practiced commercial and business litigation and was a senior staff attorney with the Thirteenth Judicial Circuit of Florida. Tom earned his law degree, cum laude, from Stetson University College of Law in 1998.

Tom is a recognized authority on property insurance coverage issues. He lectures on the subject and related issues often, including regulatory and legislative changes in condominium insurance coverage and Florida first-party property insurance laws, as well as adjusting sinkhole claims and fraud in natural disaster claims like sinkholes, hurricanes, and floods. He is a frequent speaker for various insurance companies and organizations like the South Florida Claims Association and the Property Loss Research Bureau.


  • Florida
  • Wisconsin


  • St. Norbert College
    Bachelor of Arts
  • Stetson University College of Law
    Doctor of Jurisprudence


  • Hillsborough County Bar Association (HCBA)
  • Property Loss Research Bureau (PLRB)


  • Florida Courts (Northern, Middle and Southern Districts)
  • Florida Supreme Court
  • Supreme Court of Wisconsin
  • United States Eleventh Circuit Court of Appeals
  • United States Supreme Court
  • Wisconsin Courts (Eastern Districts)

Fourth Tee, LLC v. Axis Surplus Insurance Company, 2013 WL 593951 (M.D. Fla. 2013)

Fourth Tee, LLC v. Axis Surplus Insurance Company, 2013 WL 593832 (M.D. Fla. 2013)

Dominion Business Finance, LLC v. Nationwide Property and Casualty Insurance Company, 2010 WL 2179113 (M.D. Fla. 2010)

September 27, 2012 PUBLICATIONThe Troubles Of Trafalgar : Bad Faith In the Absence Of Breach Of Contract

How can a first-party insurer be legally liable for insurance ‘‘bad faith'' if it has already been found not to be liable for breach of the insurance contract? According to at least one Florida appellate court, by paying an Appraisal Award timely.

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May 01, 2007 PUBLICATIONHindsight vs. Foresight: The Adjustment of Business Income Claims

The hurricanes of 2004 and 2005 resulted in many claims for loss of business income. Applying this coverage, which is always tricky, can be even more problematic in the context of widespread devastation. 

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April 18, 2006 PUBLICATIONAchilles' Heel: First-Party Property "Bad-Faith" Damages

Insurance "bad-faith" is recognized throughout the United States. In the setting of first-party property insurance, the relationship between the insured and insurer commences contractually. However, that contractual relationship can also provide exposure for tort damages in a first-party "bad-faith" action. Indeed, the threat of facing a first-party property "bad-faith" tort action commonly influences insurers to resolve litigation out of fear, rather than for substantive purposes based on the merits. One of the "Achilles' Heels" of such causes of action is the inability of the insured to prove any measurable "bad-faith" damages. The identification and measurement of "damages" in first-party property "bad-faith" actions varies greatly depending on the jurisdiction. This commentary will discuss certain jurisdictional differences relating to damages in first-party "bad-faith" actions, exclusive of punitive damages.[FN1]

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April 17, 2016 EVENTClaims Conference & Insurance Services Expo

Appraisal Clauses: A State-by-State Analysis

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October 26, 2007 EVENTSinkhole Investigations for the SIU Investigator

Central Florida Chapter of the International Association of Special Investigations Units

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January 09, 2013 NEWSTom Keller Selected to Serve on PLRB Board
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June 03, 2009 NEWSGovernor Vetoes Condominium Insurance Bill
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Key Points
Practice Area CASE TYPE
  • Appellate
  • Arson
  • Attorney Fee Disputes
  • Bad Faith
  • Civil Remedy Notices
  • Construction Defect Litigation - Sinkholes
  • Coverage - Boiler and Machinery
  • Coverage - Business Interruption
  • Coverage - Business Owner's
  • Coverage - First Party Property
  • Coverage - Homeowner's
  • Coverage - Inland Marine
  • Coverage - Property
  • Deceptive and Unfair Trade Practices
  • Excess Coverage
  • Extracontractual Claims
  • Fire (Suspected or Potential Fraud)
  • Fraud
  • Hurricane Losses
  • Insurance Fraud
  • Malicious Prosecution
  • Reinsurance Coverage
  • Structural Collapse
  • Theft