Residential First Party Defense
Cambo Ferry, PLLC specializes in the defense and representation of national and regional residential insurers in first-party coverage and defense matters involving claims for windstorm, water, hurricane, fire/arson, mold, collapse, and theft losses throughout the state of Florida. We also assist our clients with leveraging alternative dispute resolution through appraisal, mediation, and the Option to Repair process. Our attorneys have established a reputation within the industry for our wide-ranging experience, the practical and customized approach we bring to each case, and the favorable results we obtain for our clients. We work closely with our clients to handle each matter from inception through trial, representing and defending our clients throughout the state of Florida in both State and Federal Courts.
Pre-Suit Investigation
& Dispute Resolution
We offer end-to-end solutions for our residential and commercial carriers by handling Notices of Intent to Initiate Litigation, Civil Remedy Notices, complex claims investigations, coverage opinions, Examinations Under Oath, and SIU investigations. We have a dedicated pre-litigation department focused solely on providing support to carriers requiring timely and thorough reviews of claims and providing legal opinions and recommendations for any additional investigation which may be required no matter how complex a claim may be.
Commercial First Party Defense
Cambo Ferry, PLLC specializes in the defense and representation of national and regional commercial property insurers in first-party coverage and defense matters involving claims for windstorm, water, hurricane, fire/arson, mold, collapse, and theft losses throughout the state of Florida. We also assist our clients with leveraging alternative dispute resolution through appraisal, mediation, and the Option to Repair process. Our attorneys have established a reputation within the industry for our wide-ranging experience, the practical and customized approach we bring to each case, and the favorable results we obtain for our clients. We work closely with our clients to handle each matter from inception through trial, representing and defending our clients throughout the state of Florida in both State and Federal Courts.
General & Premises Liability
Our General & Premises Liability Defense team represents national, Florida‑domiciled, and surplus lines carriers in a broad spectrum of liability matters. We defend claims arising from slip‑and‑fall incidents, negligent security, animal liability, failure to warn of dangerous conditions, third‑party criminal acts, assaults and batteries, and other premises‑related exposures. We partner closely with our clients both pre‑suit and throughout all phases of litigation. Our attorneys have extensive experience handling these matters in Florida’s state and federal courts at every level. In addition to defending routine liability claims, our team is adept at identifying and countering suspicious or potentially fraudulent premise liability allegations. We are also trusted with high‑exposure, complex matters where strategic early evaluation and skilled litigation defense are critical to achieving optimal outcomes.
Outside General Counsel
& Executive Consulting Services
Cambo Ferry, PLLC serves as general advisors to our insurance clients on a wide range of strategic business and legal issues. Firm Founders, Cristina Cambo and Katelyn Ferry, offer a distinct suite of consulting and advisory services to insurers seeking to strengthen their operational, compliance, and claims handling frameworks. Ms. Cambo and Ms. Ferry are regularly retained to consult with insurers on the development and refinement of policy forms, endorsements, claims‑handling workflows, SOPs, and internal best‑practice protocols.
Speaking Engagements
& In-House Training
Ms. Cambo and Ms. Ferry are regularly retained to consult with insurers on the development and refinement of policy forms, endorsements, claims‑handling workflows, SOPs, and internal best‑practice protocols. Ms. Cambo and Ms. Ferry are also recognized industry speakers, regularly presenting at conferences, seminars, and professional programs on emerging legal trends, claims strategy, and developments affecting the property insurance industry.
Extra-Contractual
Cambo Ferry, PLLC provides sophisticated counsel and defense to insurers facing statutory and common‑law bad faith and other extracontractual exposure. We understand the reputational, financial, and operational stakes involved with these matters, and we position our clients to avoid unnecessary risk while maintaining strong, defensible claims‑handling practices. Our team regularly handles complex, high‑exposure extracontractual disputes in both state and federal court. We deliver a focused and aggressive defense, and we are adept at identifying leverage points that promote early, favorable, and cost‑effective resolution.
Third Party Coverage
Our firm advises insurers on a wide range of third‑party liability coverage issues, including policy interpretation and the evaluation of defense and indemnity obligations under personal lines, commercial lines, and excess policies. We conduct thorough coverage investigations and assist carriers in navigating complex policy language and factual scenarios in evaluating whether a duty to defend and indemnification is owed. We support our clients by preparing coverage opinions, drafting coverage position lettersnd defensible coverage position letters, and, when warranted, initiating declaratory judgment actions to resolve disputed obligations.
Arson & Fraud
Cambo Ferry, PLLC has extensive experience in identifying and defending fraudulent claims, both during pre-suit investigations and in litigation. In pre-suit matters, we partner with our clients and their SIU departments to investigate and determine if a claim should be denied for fraud or misrepresentation. In litigation, our team of attorneys aggressively defend against fraudulent claims and lawsuits. We regularly obtain dismissals with prejudice due to fraud on the court, and thereafter we successfully recover the fees and costs expended by our clients in the defense of frivolous actions from the plaintiffs and their counsel.
Flood
Cambo Ferry, PLLC represents its clients in flood losses, guiding carriers and claims professionals in presuit and litigation of the unique issues presented in flood losses. Flood claims often involve complex questions of causation, policy interpretation, concurrent perils, valuation, and compliance with federal program requirements. Our team is experienced in navigating these challenges, including disputes involving storm surge, surface water, drainage failures, mold and secondary damage, and disagreements over the scope and cost of repairs. We assist clients in evaluating coverage under applicable policies, addressing potential exclusions or limitations, and developing well‑supported claim determinations grounded firmly in the governing policy language.