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John Garaffa

Partner

jgaraffa@butler.legal

813-594-5616

February 26, 2026
Event

Partner John Garaffa Presenting at Windstorm 2026 Conference

02/19/2024
News

New Appleman Florida Insurance Law (2024 Edition)

04/03/2023
Article

The Comprehensive Guide to Economic Damages, Seventh Edition

January 24, 2023
Event

Civility, Professionalism and Social Media: A User’s Guide for Adjusters and Attorneys

05/09/2022
Article

ADDRESSING THE PROPERTY INSURANCE CRISIS BY CONTRACT LANGUAGE: New Endorsement Approved By The Florida Department Of Insurance Regulation

11/24/2021
Article

New Appleman Florida Insurance Law (2022 Edition)

07/14/2021
Article

One Step Forward, Two Steps Back: Roofers, Insurance and Commercial Speech

04/12/2021
Event

Covid Claim – Where we Are and Where We are Going

03/31/2021
News

HCBA’s Diversity & Inclusion Social | Thanks to All Who Joined!

02/03/2021
Article

John Garaffa | The Comprehensive Guide to Economic Damages 6th Edition

01/25/2021
Article

Covid and Coverage in the UK: Language Matters

09/24/2020
Article

Defining Occurrence – When Policy Definitions Do Not Apply To All Coverages

07/16/2020
News

John Garaffa Appointed To Property Insurance Law General Committee

06/30/2020
Event

Silent Cyber Exposure

04/03/2020
Article

Covid-19—When Civil Authorities Take Over, Are You Covered?

04/02/2020
Article

Coronavirus and Property Insurance Policies

03/12/2020
Article

New Appleman Florida Insurance Law (2020 Edition)

01/27/2020
Event

The Property Insurance Adjuster’s Workflow And Processes

10/16/2019
News

Butler Proud to Sponsor 2019 DRI Annual Meeting

09/09/2019
News

HCBA Diversity & Inclusion Networking Social

05/10/2019
Event

Erosion Of The Direct Physical Loss Requirement

10/09/2018
News

Butler Awarded the 2018 Tvc Chairman’s Award

08/21/2018
Article

John Garaffa “Business Interruption And Damage Claims”

08/09/2018
Event

Southern Loss Association’s Annual Property Seminar

02/13/2018
News

2018 Hillsborough County Bar Association’s Annual Diversity Networking Social

09/20/2017
Article

Florida Insurance Litigation (2017 Edition)

09/08/2017
Article

Important Reminders for Adjusting Hurricane Claims

09/07/2017
Article

Hurricane Irma Policy Laws by State

07/25/2017
Article

That Sinking Feeling: Sinkholes, Florida Law, and Some Questions Raised by The Recent Collapse in Land O’ Lakes

07/13/2017
Article

Ransomware is taking the world by storm; does insurance respond?

05/04/2017
News

John Garaffai is Now the Committee Chair for the Tips Property Insurance Law Committee

04/21/2017
Article

Tort Trial & Insurance Practice Law Journal, Winter 2017

04/07/2017
Event

Aba Spring Meeting – Whose Money Is It? Recognizing Insurable Interests, Lienholders, And Others

03/21/2017
Event

6th Annual Cyber Liabilities Insurance Execusummit – After The Breach: Response And Subrogation Strategy

01/18/2017
Article

Safeguarding Every Veteran’s Benefits: Lessons from Bruce V. Mcdonald, 2017 Wl 57172

11/11/2016
News

John Garaffa Earns Veterans Network Meritorious Service Award!

05/02/2016
News

John Garaffa Authors a Chapter in Latest Edition of “the Comprehensive Guide to Economic Damages”

04/27/2016
Article

Recent Developments In Property Insurance Coverage Litigation

12/23/2015
News

John V. Garaffa Recently Authored “When the Policy Follows the Property: The Challenges Posed by Mortgagee Rights.”

10/28/2015
Article

When Revenge Is Not So “Sweet”: The Wages of “Revenge Porn” under Florida’s New Cyber Harassment Statute

06/24/2015
Event

Rimkus 12th Annual Continuing Education Seminar

05/07/2015
Event

American Bar Association Spring Meeting

11/10/2014
Article

The Absolute Pollution Exclusion: Pollution And Fungus, Wet Rot, Dry Rot, And Bacteria

10/22/2014
News

Threat of Future Harm as a result of a Cyber Breach May be Sufficient to Confer Standing

09/26/2014
Article

When It Comes to Sinkholes, Contracts, Statutes and Regulations Do Matter

07/22/2014
Article

Florida Defines How Certain Commercial Entities Must Handle Personal Information

03/01/2014
Article

Business Interruption And Damage Claims

09/01/2013
Article

Mind The Gap: Weathering The Statutory Notification Process When A Data Breach Occurs

05/17/2013
Event

Property Insurance Law Committee Annual Spring Cle Meeting

02/23/2012
Article

Bullock V. Philip Morris Usa, Inc.: Where ‘Reprehensibility’ As An Exception To Constitutional Protections And The Ratio Guidepost Includes The Wealth Of The Defendant

08/15/2011
Article

Determining Coverage In Property Insurance Policies- New Appleman On Insurance Law Library Edition, Chapter 42

07/21/2011
Event

Tampa Association Of Insurance Professionals

03/03/2011
Event

Homewise Claims Conference

09/23/2010
Article

We Said What We Meant And We Meant What We Said! — Enforcing Contract Language Despite Assertions Of Bad Faith And Insurer ‘Misconduct’ During The Adjustment Of The Claim

05/01/2010
Article

A New Profit Center In The Economic Downturn

04/23/2010
Article

When Does It End? The Claim For Unlimited Business Interruption

04/23/2010
Article

How Speculative Is Speculative? Testing The Limits Of Business Interruption Coverage

07/30/2009
Article

Writ Of Certiorari Dismissed As Improvidently Granted — The Ambiguous End To Philip Morris Usa, Inc. V. Williams

07/15/2008
Article

Exxon Shipping Co. V. Baker: Sailing Into The Confluence Of Common Law And Constitutional Standards For Punitive Damages

05/21/2008
News

Louisiana Supreme Court Cites Butler Attorney John Garaffa As Authority on Gulf Coast Valued Policy Laws.

08/01/2007
Article

Ethics: Concerns About Lawyer Competency In The Brave New World Of Electronic Discovery

06/19/2007
Article

Williams V. Philip Morris Inc. Ii – The Fog Of Legal Rationale

01/01/2007
Article

Discovery Of The Insurer’s Claims File: Exploring The Limits Of Plaintiff’s Fishing License

09/19/2006
Article

Remanded In Light Of State Farm V. Campbell: The Opportunity For Further Illumination Presented By Williams V. Philip Morris Inc

04/01/2006
Article

The Uncertain Scope Of “Hurricane Damage” Under State Valued Policy Laws

07/01/2005
Article

Florida’s “Valued Policy” Law – The Eye Of The Storm

01/18/2005
Article

Piece Of Mind: The Utah Supreme Court’s Response To Campbell

07/07/2004
Article

The Continuing Need For De Novo Review Of Punitive Damage Awards — Liggett Group, Inc. V. Engle

08/13/2003
Article

Reflections – Thirty Years After Gruenberg V. Aetna Ins. Co.

Attorney’s Insights.

February 26, 2026
Event

Partner John Garaffa Presenting at Windstorm 2026 Conference

02/19/2024
News

New Appleman Florida Insurance Law (2024 Edition)

04/03/2023
Article

The Comprehensive Guide to Economic Damages, Seventh Edition

January 24, 2023
Event

Civility, Professionalism and Social Media: A User’s Guide for Adjusters and Attorneys

05/09/2022
Article

ADDRESSING THE PROPERTY INSURANCE CRISIS BY CONTRACT LANGUAGE: New Endorsement Approved By The Florida Department Of Insurance Regulation

11/24/2021
Article

New Appleman Florida Insurance Law (2022 Edition)

07/14/2021
Article

One Step Forward, Two Steps Back: Roofers, Insurance and Commercial Speech

04/12/2021
Event

Covid Claim – Where we Are and Where We are Going

03/31/2021
News

HCBA’s Diversity & Inclusion Social | Thanks to All Who Joined!

02/03/2021
Article

John Garaffa | The Comprehensive Guide to Economic Damages 6th Edition

01/25/2021
Article

Covid and Coverage in the UK: Language Matters

09/24/2020
Article

Defining Occurrence – When Policy Definitions Do Not Apply To All Coverages

07/16/2020
News

John Garaffa Appointed To Property Insurance Law General Committee

06/30/2020
Event

Silent Cyber Exposure

04/03/2020
Article

Covid-19—When Civil Authorities Take Over, Are You Covered?

04/02/2020
Article

Coronavirus and Property Insurance Policies

03/12/2020
Article

New Appleman Florida Insurance Law (2020 Edition)

01/27/2020
Event

The Property Insurance Adjuster’s Workflow And Processes

10/16/2019
News

Butler Proud to Sponsor 2019 DRI Annual Meeting

09/09/2019
News

HCBA Diversity & Inclusion Networking Social

05/10/2019
Event

Erosion Of The Direct Physical Loss Requirement

10/09/2018
News

Butler Awarded the 2018 Tvc Chairman’s Award

08/21/2018
Article

John Garaffa “Business Interruption And Damage Claims”

08/09/2018
Event

Southern Loss Association’s Annual Property Seminar

02/13/2018
News

2018 Hillsborough County Bar Association’s Annual Diversity Networking Social

09/20/2017
Article

Florida Insurance Litigation (2017 Edition)

09/08/2017
Article

Important Reminders for Adjusting Hurricane Claims

09/07/2017
Article

Hurricane Irma Policy Laws by State

07/25/2017
Article

That Sinking Feeling: Sinkholes, Florida Law, and Some Questions Raised by The Recent Collapse in Land O’ Lakes

07/13/2017
Article

Ransomware is taking the world by storm; does insurance respond?

05/04/2017
News

John Garaffai is Now the Committee Chair for the Tips Property Insurance Law Committee

04/21/2017
Article

Tort Trial & Insurance Practice Law Journal, Winter 2017

04/07/2017
Event

Aba Spring Meeting – Whose Money Is It? Recognizing Insurable Interests, Lienholders, And Others

03/21/2017
Event

6th Annual Cyber Liabilities Insurance Execusummit – After The Breach: Response And Subrogation Strategy

01/18/2017
Article

Safeguarding Every Veteran’s Benefits: Lessons from Bruce V. Mcdonald, 2017 Wl 57172

11/11/2016
News

John Garaffa Earns Veterans Network Meritorious Service Award!

05/02/2016
News

John Garaffa Authors a Chapter in Latest Edition of “the Comprehensive Guide to Economic Damages”

04/27/2016
Article

Recent Developments In Property Insurance Coverage Litigation

12/23/2015
News

John V. Garaffa Recently Authored “When the Policy Follows the Property: The Challenges Posed by Mortgagee Rights.”

10/28/2015
Article

When Revenge Is Not So “Sweet”: The Wages of “Revenge Porn” under Florida’s New Cyber Harassment Statute

06/24/2015
Event

Rimkus 12th Annual Continuing Education Seminar

05/07/2015
Event

American Bar Association Spring Meeting

11/10/2014
Article

The Absolute Pollution Exclusion: Pollution And Fungus, Wet Rot, Dry Rot, And Bacteria

10/22/2014
News

Threat of Future Harm as a result of a Cyber Breach May be Sufficient to Confer Standing

09/26/2014
Article

When It Comes to Sinkholes, Contracts, Statutes and Regulations Do Matter

07/22/2014
Article

Florida Defines How Certain Commercial Entities Must Handle Personal Information

03/01/2014
Article

Business Interruption And Damage Claims

09/01/2013
Article

Mind The Gap: Weathering The Statutory Notification Process When A Data Breach Occurs

05/17/2013
Event

Property Insurance Law Committee Annual Spring Cle Meeting

02/23/2012
Article

Bullock V. Philip Morris Usa, Inc.: Where ‘Reprehensibility’ As An Exception To Constitutional Protections And The Ratio Guidepost Includes The Wealth Of The Defendant

08/15/2011
Article

Determining Coverage In Property Insurance Policies- New Appleman On Insurance Law Library Edition, Chapter 42

07/21/2011
Event

Tampa Association Of Insurance Professionals

03/03/2011
Event

Homewise Claims Conference

09/23/2010
Article

We Said What We Meant And We Meant What We Said! — Enforcing Contract Language Despite Assertions Of Bad Faith And Insurer ‘Misconduct’ During The Adjustment Of The Claim

05/01/2010
Article

A New Profit Center In The Economic Downturn

04/23/2010
Article

When Does It End? The Claim For Unlimited Business Interruption

04/23/2010
Article

How Speculative Is Speculative? Testing The Limits Of Business Interruption Coverage

07/30/2009
Article

Writ Of Certiorari Dismissed As Improvidently Granted — The Ambiguous End To Philip Morris Usa, Inc. V. Williams

07/15/2008
Article

Exxon Shipping Co. V. Baker: Sailing Into The Confluence Of Common Law And Constitutional Standards For Punitive Damages

05/21/2008
News

Louisiana Supreme Court Cites Butler Attorney John Garaffa As Authority on Gulf Coast Valued Policy Laws.

08/01/2007
Article

Ethics: Concerns About Lawyer Competency In The Brave New World Of Electronic Discovery

06/19/2007
Article

Williams V. Philip Morris Inc. Ii – The Fog Of Legal Rationale

01/01/2007
Article

Discovery Of The Insurer’s Claims File: Exploring The Limits Of Plaintiff’s Fishing License

09/19/2006
Article

Remanded In Light Of State Farm V. Campbell: The Opportunity For Further Illumination Presented By Williams V. Philip Morris Inc

04/01/2006
Article

The Uncertain Scope Of “Hurricane Damage” Under State Valued Policy Laws

07/01/2005
Article

Florida’s “Valued Policy” Law – The Eye Of The Storm

01/18/2005
Article

Piece Of Mind: The Utah Supreme Court’s Response To Campbell

07/07/2004
Article

The Continuing Need For De Novo Review Of Punitive Damage Awards — Liggett Group, Inc. V. Engle

08/13/2003
Article

Reflections – Thirty Years After Gruenberg V. Aetna Ins. Co.

February 26, 2026
Event

Partner John Garaffa Presenting at Windstorm 2026 Conference

02/19/2024
News

New Appleman Florida Insurance Law (2024 Edition)

04/03/2023
Article

The Comprehensive Guide to Economic Damages, Seventh Edition

January 24, 2023
Event

Civility, Professionalism and Social Media: A User’s Guide for Adjusters and Attorneys

05/09/2022
Article

ADDRESSING THE PROPERTY INSURANCE CRISIS BY CONTRACT LANGUAGE: New Endorsement Approved By The Florida Department Of Insurance Regulation

11/24/2021
Article

New Appleman Florida Insurance Law (2022 Edition)

07/14/2021
Article

One Step Forward, Two Steps Back: Roofers, Insurance and Commercial Speech

04/12/2021
Event

Covid Claim – Where we Are and Where We are Going

03/31/2021
News

HCBA’s Diversity & Inclusion Social | Thanks to All Who Joined!

02/03/2021
Article

John Garaffa | The Comprehensive Guide to Economic Damages 6th Edition

01/25/2021
Article

Covid and Coverage in the UK: Language Matters

09/24/2020
Article

Defining Occurrence – When Policy Definitions Do Not Apply To All Coverages

07/16/2020
News

John Garaffa Appointed To Property Insurance Law General Committee

06/30/2020
Event

Silent Cyber Exposure

04/03/2020
Article

Covid-19—When Civil Authorities Take Over, Are You Covered?

04/02/2020
Article

Coronavirus and Property Insurance Policies

03/12/2020
Article

New Appleman Florida Insurance Law (2020 Edition)

01/27/2020
Event

The Property Insurance Adjuster’s Workflow And Processes

10/16/2019
News

Butler Proud to Sponsor 2019 DRI Annual Meeting

09/09/2019
News

HCBA Diversity & Inclusion Networking Social

05/10/2019
Event

Erosion Of The Direct Physical Loss Requirement

10/09/2018
News

Butler Awarded the 2018 Tvc Chairman’s Award

08/21/2018
Article

John Garaffa “Business Interruption And Damage Claims”

08/09/2018
Event

Southern Loss Association’s Annual Property Seminar

02/13/2018
News

2018 Hillsborough County Bar Association’s Annual Diversity Networking Social

09/20/2017
Article

Florida Insurance Litigation (2017 Edition)

09/08/2017
Article

Important Reminders for Adjusting Hurricane Claims

09/07/2017
Article

Hurricane Irma Policy Laws by State

07/25/2017
Article

That Sinking Feeling: Sinkholes, Florida Law, and Some Questions Raised by The Recent Collapse in Land O’ Lakes

07/13/2017
Article

Ransomware is taking the world by storm; does insurance respond?

05/04/2017
News

John Garaffai is Now the Committee Chair for the Tips Property Insurance Law Committee

04/21/2017
Article

Tort Trial & Insurance Practice Law Journal, Winter 2017

04/07/2017
Event

Aba Spring Meeting – Whose Money Is It? Recognizing Insurable Interests, Lienholders, And Others

03/21/2017
Event

6th Annual Cyber Liabilities Insurance Execusummit – After The Breach: Response And Subrogation Strategy

01/18/2017
Article

Safeguarding Every Veteran’s Benefits: Lessons from Bruce V. Mcdonald, 2017 Wl 57172

11/11/2016
News

John Garaffa Earns Veterans Network Meritorious Service Award!

05/02/2016
News

John Garaffa Authors a Chapter in Latest Edition of “the Comprehensive Guide to Economic Damages”

04/27/2016
Article

Recent Developments In Property Insurance Coverage Litigation

12/23/2015
News

John V. Garaffa Recently Authored “When the Policy Follows the Property: The Challenges Posed by Mortgagee Rights.”

10/28/2015
Article

When Revenge Is Not So “Sweet”: The Wages of “Revenge Porn” under Florida’s New Cyber Harassment Statute

06/24/2015
Event

Rimkus 12th Annual Continuing Education Seminar

05/07/2015
Event

American Bar Association Spring Meeting

11/10/2014
Article

The Absolute Pollution Exclusion: Pollution And Fungus, Wet Rot, Dry Rot, And Bacteria

10/22/2014
News

Threat of Future Harm as a result of a Cyber Breach May be Sufficient to Confer Standing

09/26/2014
Article

When It Comes to Sinkholes, Contracts, Statutes and Regulations Do Matter

07/22/2014
Article

Florida Defines How Certain Commercial Entities Must Handle Personal Information

03/01/2014
Article

Business Interruption And Damage Claims

09/01/2013
Article

Mind The Gap: Weathering The Statutory Notification Process When A Data Breach Occurs

05/17/2013
Event

Property Insurance Law Committee Annual Spring Cle Meeting

02/23/2012
Article

Bullock V. Philip Morris Usa, Inc.: Where ‘Reprehensibility’ As An Exception To Constitutional Protections And The Ratio Guidepost Includes The Wealth Of The Defendant

08/15/2011
Article

Determining Coverage In Property Insurance Policies- New Appleman On Insurance Law Library Edition, Chapter 42

07/21/2011
Event

Tampa Association Of Insurance Professionals

03/03/2011
Event

Homewise Claims Conference

09/23/2010
Article

We Said What We Meant And We Meant What We Said! — Enforcing Contract Language Despite Assertions Of Bad Faith And Insurer ‘Misconduct’ During The Adjustment Of The Claim

05/01/2010
Article

A New Profit Center In The Economic Downturn

04/23/2010
Article

When Does It End? The Claim For Unlimited Business Interruption

04/23/2010
Article

How Speculative Is Speculative? Testing The Limits Of Business Interruption Coverage

07/30/2009
Article

Writ Of Certiorari Dismissed As Improvidently Granted — The Ambiguous End To Philip Morris Usa, Inc. V. Williams

07/15/2008
Article

Exxon Shipping Co. V. Baker: Sailing Into The Confluence Of Common Law And Constitutional Standards For Punitive Damages

05/21/2008
News

Louisiana Supreme Court Cites Butler Attorney John Garaffa As Authority on Gulf Coast Valued Policy Laws.

08/01/2007
Article

Ethics: Concerns About Lawyer Competency In The Brave New World Of Electronic Discovery

06/19/2007
Article

Williams V. Philip Morris Inc. Ii – The Fog Of Legal Rationale

01/01/2007
Article

Discovery Of The Insurer’s Claims File: Exploring The Limits Of Plaintiff’s Fishing License

09/19/2006
Article

Remanded In Light Of State Farm V. Campbell: The Opportunity For Further Illumination Presented By Williams V. Philip Morris Inc

04/01/2006
Article

The Uncertain Scope Of “Hurricane Damage” Under State Valued Policy Laws

07/01/2005
Article

Florida’s “Valued Policy” Law – The Eye Of The Storm

01/18/2005
Article

Piece Of Mind: The Utah Supreme Court’s Response To Campbell

07/07/2004
Article

The Continuing Need For De Novo Review Of Punitive Damage Awards — Liggett Group, Inc. V. Engle

08/13/2003
Article

Reflections – Thirty Years After Gruenberg V. Aetna Ins. Co.

Related Practices

Education

University of Wisconsin, Bachelor of Business Administration
University of Minnesota, College of Law, Doctor of Jurisprudence
Georgetown University, College of Law, Master of Laws

Admissions

Florida
Minnesota

Courts

United States District Court – Northern District of Florida
United States District Court – Middle District of Florida
United States District Court – Southern District of Florida
United States Court of Appeals for Veterans Claims
United States Court of Appeals, Eleventh Circuit
Florida State Courts
Minnesota State Courts