Representative results

Outcomes that reduced exposure for the carrier.

A sample of defense outcomes. Carrier-facing results are cleared for publication on a rolling basis; additional matters are being prepared for release.

31years of carrier-side claims leadership on the team
M.D. Fla.bad-faith exposure defended in federal court
6lines defended, first-party property through appeals
FLstatewide carrier and self-insured defense
Featured result · Bad-faith defense
GEICO v. Otero
United States District Court, Middle District of Florida
Bad-faith exposure defended in federal court. A representative carrier-defense outcome, cleared for publication, that reflects how we read the claims-handling record and build the defense the file supports.
Matter
First-party bad-faith defense
Venue
M.D. Fla. (federal)
Posture
Carrier defense, exposure contained
Recent defense verdicts

Three examples since December 2025.

A sample of the matters HD Law Partners attorneys have tried to a defense verdict. These are examples, not a complete record of the firm’s trial work.

August 2026 · Hillsborough County
Cast iron pipe claim seeking tear-out costs
Defense verdict
Most recent of the three.
July 2026 · Sarasota County
Claimed hurricane damage to roof and interior
Defense verdict
December 2025 · Sarasota County
Peril-created opening policy exclusion applied to claimed condominium interior water damage
Defense verdict

A positive outcome in any given case reflects the merits of that case and is not a guarantee or prediction of the outcome of any other matter. Every case is evaluated on its own merits.

Selected reported decisions

Reported decisions in the lines we defend.

Examples drawn from the many reported decisions in matters handled by HD Law Partners attorneys in carrier defense and bad faith. A sample, not a complete list. Citations only; each decision speaks for itself.

  • Geico Gen. Ins. Co. v. Otero, No. 8:09-CV-1678-T-27AEP, 2011 WL 13301951 (M.D. Fla. Apr. 27, 2011)
  • Macola v. Government Employees Insurance Co., 483 F.3d 1229 (11th Cir. 2007)
  • GEICO General Insurance Co. v. McDonald, 315 F. App’x 181 (11th Cir.)
  • Government Employees Insurance Co. v. Thompson, 641 So. 2d 189 (Fla. 2d DCA)
  • Flood v. GEICO, Case No. 8:11-CV-49-T-24TBM (M.D. Fla.)
  • Jones v. State Farm Mutual Automobile Insurance Co., 579 So. 2d 783 (Fla. 1st DCA)
  • Mutual Fire, Marine and Inland Insurance Co. v. Florida Testing & Engineering Co., 511 So. 2d 360 (Fla. 5th DCA)

Prior results do not guarantee a similar outcome in any future matter. Every case is different and must be evaluated on its own facts.

What we defend

Additional matters are cleared for publication on a rolling basis, with carrier consent where required. The lines below reflect the defense work carriers assign us across Florida.

01

First-Party Property

Coverage analysis and defense across fire, water, sinkhole, and structural claims under Florida policy forms.

02

Casualty & Liability

Auto, premises, and bodily-injury defense, including complex and high-exposure casualty matters.

03

Bad-Faith Defense

Statutory and common-law bad-faith defense, built on a close read of the claims-handling record.

04

Coverage Opinions

Pre-litigation opinions that help the desk decide whether to defend, settle, or deny.

05

Appeals

Appellate defense that protects favorable trial outcomes through the Florida courts.

06

Self-Insured Defense

Defense for self-insured entities and corporate risk departments managing exposure directly.

A positive outcome in any given case reflects the merits of that case and is not a guarantee or prediction of the outcome of any other matter. Every case is evaluated on its own merits. Results shown are representative and cleared for publication; additional matters are being prepared for release with carrier consent where required.

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