Disciplined in Sophisticated Defense and Insurance Litigation

Thomas A. Keller is a 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 & Liability Resource 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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January 27, 2020 EVENTRoof Evaluations and Concerns Following a Loss

The annual Windstorm Insurance Conference (WIND) is a three-day conference for the property insurance claims industry...

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January 27, 2020 EVENTCommercial Policies and Claims: Complexities and Nuances 

The annual Windstorm Insurance Conference (WIND) is a three-day conference for the property insurance claims industry...

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April 01, 2019 EVENTNon-Binding Arbitration Strategies

Join Partner Thomas Keller as he presents "Non-Binding Arbitration Strategies" at the PLRB Claims Conference & Insurance Services Expo.

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January 29, 2019 EVENTCan the Roof be Repaired?

The topic encompasses the issues facing insurers, policyholders, and contractors in the ability to repair a roof following storm damage.

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April 15, 2018 EVENTPLRB Claims Conference- Appraisal Clauses: A State-by-State Analysis

Join Butler Partner, Thomas Keller, and co-presenter Andrew Deckert of American Strategic Insurance as they described the appraisal provision, potential pitfalls during the appraisal process, and explained how different jurisdictions interpret and apply appraisal causes. 

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January 17, 2018 EVENTWINDSTORM INSURANCE CONFERENCE - Filling Up on Florida Property Case Law

Thomas Keller from Butler Weihmuller Katz Craig presented in Orlando, FL at the Windstorm Insurance Conference on the topic of "Filling Up on Florida Property Case Law".

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March 27, 2017 EVENTPLRB CLAIMS CONFERENCE - Appraisal Clauses: A State-by-State Analysis

Thomas A. Keller from Butler Weihmuller Katz Craig along with co-presenter Andrew Deckert, presented in Boston, MA at the PLRB Claims Conference on the topic of "Appraisal Clauses: A State-by-State Analysis" on March 27, 2017. 

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April 17, 2016 EVENTPLRB Claims 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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September 09, 2019 NEWSHCBA Diversity & Inclusion Networking Social

The HCBA Diversity Committee's annual networking event showcases what the Tampa Bay area has to offer by connecting law students with attorneys, judges and members of local legal organizations in a casual, friendly and low-pressure environment.

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February 13, 2018 NEWS2018 Hillsborough County Bar Association's Annual Diversity Networking Social

Every year, we are excited to sponsor the Hillsborough County Bar Association’s Annual Diversity Networking Social.  This HCBA Tampa Bay event allows us to meet up-and-coming law students and new lawyers with diverse backgrounds. 

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January 09, 2013 NEWSTom Keller Selected to Serve on PLRB Board

The firm is pleased to announce that Tom Keller has been selected to serve on the Property Loss Research Bureau (PLRB) board for another term.

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June 03, 2009 NEWSGovernor Vetoes Condominium Insurance Bill

Governor Crist vetoes revisions to condominium insurance statute. The recent legislative session passed Senate Bill 714 which sought to clarify the insuring responsibilties between the unit owner and the association. For reasons outlined in his letter of June 1, the Governor vetoed the measure.

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