Cristina P. Cambo is a Partner and Founding Member at Cambo Ferry, PLLC. She has focused her career in the areas of first party property coverage and defense for residential and commercial carriers. She assists and defends property insurers in coverage disputes and litigation, including pre-suit investigations, SIU investigations, alternative dispute resolution, and all aspects of litigation through trial. She also assists her clients with third party liability coverage opinions and evaluations. In addition to her litigation practice, Ms. Cambo acts as a general advisor on a wide range of strategic business and legal issues for her clients.

Ms. Cambo has been called upon several times to offer testimony and draft model bill language to the Florida Legislature during Florida’s Special Sessions on property insurance reform. She has also served on a panel of legal experts to testify before the Federal Advisory Committee on Evidence Rules concerning proposed Federal Rule of Evidence 707. Ms. Cambo is also regularly asked to be a guest speaker for various conferences, seminars, podcasts, and webinars.

Ms. Cambo is actively involved in both state and national professional associations. On a statewide level, she serves on the Board of Directors for the Florida Defense Lawyers Association (“FDLA”), and she was the recipient of the 2024 President’s Award. Ms. Cambo serves as the Co-Chair of the First Party Property Insurance Committee for FDLA, as well as the liaison for the Diversity Equity & Inclusion Committee. Ms. Cambo was the Chair of the 2024 Florida Insurance Network Symposium (“FINS”) Conference hosted by the FDLA, and she was the Vice Chair of FINS in 2023.

On a national level, Ms. Cambo is an active member of DRI, which is the largest international membership organization of attorneys defending the interests of businesses and individuals in civil litigation. Specifically, she was selected by DRI’s Center for Law and Public Policy as the Florida representative of the State Legislation and Rules Task Force. She is also an appointed member of the Federal Rules Task Force for DRI’s Center for Law and Public Policy.

In terms of community involvement, Ms. Cambo served on the Executive Committee for the Leukemia and Lymphoma Society’s Annual Light the Night Event.

Ms. Cambo graduated with Honors from Wake Forest University in 2006, majoring in History and double minoring in Anthropology and International Studies. She earned her juris doctor degree from Stetson University College of Law in 2011 as a half-tuition scholarship recipient, where she was a member of the Moot Court Board and the Phi Delta Phi Honor Society. While on the Moot Court Board, Ms. Cambo was awarded Best Claimant’s Brief at the 2011 Willem C. Vis (East – Hong Kong) Moot and Honorable Mention for Best Respondent’s Brief in the same competition. She also earned Book Awards in Trial Advocacy (Victor O. Wehle Award) and Comparative Corporate Governance.

Ms. Cambo is licensed to practice in all Florida State Courts, as well as the U.S. District Courts for the Northern, Southern, and Middle Districts of Florida. Ms. Cambo is bilingual in Spanish and is a dual citizen of the United States and Spain. She lives in Maitland, Florida with her family.

Bar Admissions

Florida, 2011

United States District Court, Middle District of Florida

United States District Court, Southern District of Florida

United States District Court, Northern District of Florida

Memberships & Organizations

  • Board of Directors, Florida Defense Lawyers Association, 2024-present
  • Co-Chair of the Insurance Committee, FDLA, 2024-present
  • Liaison of the Diversity Equity & Inclusion Committee, FDLA, 2024-present
  • Florida Representative for the State Legislation and Rules Task Force, DRI Center for Law and Public Policy, 2024-present
  • Chair, Florida Insurance Network Symposium (“FINS”) Conference, 2024
  • Member, Federal Rules Task Force, DRI Center for Law and Public Policy, 2024-present
  • Vice Chair, FINS Conference, 2023
  • Member, Property & Liability Research Bureau (“PLRB”)
  • Certified Instructor, Florida Department of Financial Services Education Section
  • Executive Committee, 2024 Light the Night Event, Leukemia & Lymphoma Society

Presentations

  • Federal Advisory Committee, February 2026 hearing on proposed Federal Rule of Evidence 707
  • Florida Legislature Testimony
    • Special Session on Property Insurance Reform, May 2022, Testified before the Florida House of Representatives’ Appropriations Committee on behalf of FDLA
    • Special Session on Property Insurance Reform, December 2022, Testified before the Florida Senate’s Committee on Fiscal Policy, Senate Banking Committee, and House Commerce Committee on behalf of FDLA
    • Drafted model bill language on behalf of the Florida Justice Reform Institute, December 2022
  • Guest Speaker, “The AI Evidence Dillemma: Do we Need New Rules?”, Lawyers for Civil Justice, Fall 2025 Winter Meeting, December 2025
  • Panelist, “The Federal Rulemaking Process: Past, Present, and Future,” DRI webinar, November 2025
  • Panelist, “Wind, Flood, Hail and Appraisal, Oh My!”, PLRB Large Loss Conference, November 2025
  • Panelist, “Property 101,” FDLA Webinar, April 2024
  • Podcast Guest, Season 3, Episode 15 of “Latte with a Lawyer,” February 2023
  • Panelist, “Summary of SB 2A Webinar” hosted by FDLA, January 2023
  • Podcast Guest Speaker, “Summarily – A Podcast for Busy Lawyers, Sweeping Changes to Property Insurance Law,” December 2022
  • Panelist, Florida Liability Claims Conference (FLCC), “Changing the Status Quo: Alternatives to Traditional Mediation and Trial to Resolve Claims,” June 2021
  • Co-Presenter with CEU Institute, Allstate Insurance Company, Seminar regarding “Ethical Considerations: When Issuing Reservation of Rights Letters and Denials,” June 2018
  • Co-Presenter with CEU Institute, Allstate Insurance Company, Seminar regarding “Case Law Update and Bad Faith Best Practices,” June 2017
  • Multiple internal client presentations and CE courses concentrating on legislative changes, proper responses to Notice of Intent to Initiate Litigation, Option to Repair, and Appraisal

Publications

  • Author, “My Experience Testifying on Proposed FRE 707,” DRI, the Voice, March 2026
  • Author, “Florida Supreme Court Says Right to Privacy Survives Death and Prohibits Ex Parte Interviews in Medmal Actions,” published in JD Supra, January 2018
  • Co-author, “The Option to Repair: Making It Work,” published in JD Supra, March 2017
  • Author, “Parsing ‘True Relief’ in Florida’s Fourth District,” May 2016
  • Author, “Homeowners Assignments of Benefits May Have Finally Met Their Match,” October 2015