Disciplined in Sophisticated Defense and Insurance Litigation

Pablo, a Partner,  joined the firm in 1997.  He primarily litigates complex First and Third-Party Coverage matters in state and federal courts, including appeals.  Pablo has successfully handled hundreds of hurricane and other high-value property claims, totaling well into the hundreds of millions of dollars, and he has defended E&O claims asserted against multi-national insurance brokers.  He also has significant litigation experience with first and third-party bad faith claims.

Pablo was raised in North Carolina and received his undergraduate and law degrees at the University of North Carolina at Chapel Hill. He is admitted to all Florida federal Courts and is a member of the bar in Florida, Virginia, and Texas.  Pablo handles insurance matters in both Florida (through his home Tampa office) and Texas (through our Dallas office).

Before joining Butler, Pablo practiced in Virginia and Texas, handling a broad range of civil litigation matters.  He is active in the Defense Research Institute and is AV rated by Martindale-Hubbell. He is fluent in Spanish.  When he isn’t litigating, Pablo often gives presentations on insurance-related issues and spends time making authentic Neapolitan pizza in his backyard, wood-fired oven.


  • Florida
  • Texas
  • Virginia


  • AV Peer Rating, Martindale-Hubbell


  • University of North Carolina at Chapel Hill
    Bachelor of Arts
  • University of North Carolina at Chapel Hill School of Law
    Doctor of Jurisprudence


  • Defense Research Institute (DRI)
  • Property & Liability Resource Bureau (PLRB)
  • State Bar of Texas
  • The Florida Bar
  • Virginia State Bar Association


  • Florida Federal Courts


Castle Beach Club Condominium, Inc. v. Citizens Property Ins. Corp. 96 So.3d 964 (Fla. 3d DCA 2012)

Citizens Property Ins. Corp. v. Admiralty House, Inc. 66 So. 3d 342 (Fla. 2d DCA 2011)

Citizens Property Ins. Corp. v. Cuban-Hebrew Congregation of Miami, Inc. 5 So.3d 709 (Fla. 3d DCA 2009)

Citizens Property Ins. v. La Mer Condominium Assoc., Inc. 37 So. 3d 988 (Fla. 5th DCA 2010)

DriRite of Cent. Florida Inc. v. Ironshore Ins., Ltd. 2009 WL 5171771 (M.D.Fla., Dec. 22, 2009)

In Re Sandell 2005 WL 1429746 (Bkrtcy.M.D.Fla., June 9, 2005)

Lane v. Westfield Ins. Co. 862 So. 2d 774 (Fla. 5th DCA 2003)

Langhorne v. Fireman's Fund Ins. Co. 432 F.Supp.2d 1274 (N.D.Fla. 2006)

Palmer v. Westfield Ins. Co. 2006 WL 2612168 (M.D.Fla., June 30, 2006)

Terra-ADI Intern. Dadeland, LLC v. Zurich American Ins. Co. 2007 WL 2460744 (S.D.Fla., Aug. 24, 2007)

Terra-ADI Intern. Dadeland, LLC v. Zurich American Ins. Co. 2007 WL 675971 (S.D.Fla., March 1, 2007)

Terra-ADI Intern. Dadeland, LLC v. Zurich American Ins. Co. 2007 WL 778611 (S.D.Fla., March 7, 2007)

Tristar Lodging, Inc. v. Arch Speciality Ins. Co. 434 F.Supp.2d 1286 (M.D.Fla. 2006)

July 14, 2017 PUBLICATIONFlorida Water Loss Claims: What's Owed, And When?

Water loss lawsuits have spiked dramatically in Florida during the past few years. Insurers simply cannot resolve the unusually large differences in water damage estimates. Scope of estimated matching work usually explains the disparity. And litigation ensues over this hypothetical question: Can the water-damaged or tear out items be replaced and then matched to undamaged adjoining items; and if not, what is the proper scope of the matching work?

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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.

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July 21, 1998 PUBLICATIONRecovery of Damages for Emotional Distress in Tort, Contract and Statutory Bad Faith Actions

Emotional distress damages may be the most significant aspect of any bad faith action in jurisdictions that allow them. This article outlines the several theories that justify the recovery of such damages. It discusses also the impact of a recent Florida Supreme Court decision which authorized recovery for emotional distress under that state's bad faith statute.

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Throughout the next few months, Butler will send you information that may be useful to your handling of Harvey claims.  We will make this information as easy to review as possible because your time is important.  

Speaking of “time,” Texas law requires insurers to obey specific time requirements in the handling of claims.  We have listed a few claims-handling time requirements below.  Note that the statutes often reference “days” and “business days.”  For clarity, we substituted “calendar days” for “days” in our discussion of statutory time periods.   Follow the hyperlink for the actual text of the statute.

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November 07, 2019 WEBINARSInsurance Coverage Issues Arising from Hurricanes Harvey and Irma Webinar

Partner Pablo Cáceres will be co-presenting a webinar titled "Insurance Coverage Issues Arising from Hurricanes Harvey and Irma" for the DRI.

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Blog Posts

September 25, 2017 BLOG POSTA Primer on Florida's "25 Percent Rule" for Roof Repair/Replacement

The 2014 Florida Existing Building Code (the “Code”) contains what is conventionally called the “25 percent rule” (the “Rule”). The Rule applies to roof repair of any commercial or residential building.  In a nutshell, the Rule states that if more than 25 percent of a roof or section of a roof is “repaired, replaced, or recovered” then the “entire roofing system” or “roof section” must be brought up to code.  Obviously, the Rule is of extreme importance for Florida Irma property claims. Here is the text of the Rule:

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September 01, 2017 BLOG POSTHurricane Hindsight is 20/20

It took years of depositions and other discovery to realize that that most of my 2004-2005 hurricane condominium association claims were much simpler to defend than I thought.   The center of gravity of these claims was the proper calculation of Actual Cash Value (ACV).

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October 06, 2016 BLOG POST A "Top Ten" List for Handling Condominium Association Claims

Condominium association property claims can be contentious and confusing. Large condominium buildings often are the subject of multi-million dollar insurance claims, lawsuits, and appraisals.The “cookie cutter” nature of condominium unit construction dramatically increases damage claims and requires prudent consideration and allocation of resources for proper and expedient claims handling.

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June 07, 2019 EVENTFirst-Party Property: Bad Faith Allegations in Catastrophic Claims

Catastrophic claims present the perfect conditions for imperfect claims handling—real and perceived. Bad faith actions often spring from the many challenges resulting from sudden, severe, and widespread damages. This presentation identifies common problems associated with “CAT” claims and discusses how to avoid or mitigate exposure.

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Kathy Maus and Pablo Caceres presented at the 87th Annual Meeting & Educational Conference on January 26, 2017 at the Marriott Waterside Hotel & Marina. On the topic of "Who’s Afraid of the Big Bad Faith? Spotting the Wolf in Sheep’s Clothing".

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May 12, 2016 EVENTEnsuing Loss: Chicken or the Egg 2.0

Pablo Caceres presented comprehensive discussion regarding often misunderstood coverage.

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March 25, 2015 EVENT2015 DRI Insurance Coverage and Claims Institute

Negotiating Skills for Coverage Attorneys

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November 18, 2013 EVENTADTA Webinar

Preparing Insurance Company Executives, Adjusters & In-House Counsel for Deposition

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March 17, 2013 EVENTPLRB Claims Conference

Ensuing Loss

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March 19, 2014 NEWSPablo Cáceres Featured In Hispanic Executive

The firm is pleased to announce that Pablo Cáceres is featured in the April/May/June 2014 edition of Hispanic Executive. 

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