Jorge L. Cruz-Bustillo


University of Florida, B.A.
Stetson College of Law, J.D.

Florida State Bar
U.S.D.C. Southern and Middle Districts of Florida
Senior Trial Partner

Jorge L. Cruz-Bustillo is a Senior Trial Partner with more than 30 years of experience in the litigation and trial of a wide array of complex, high-exposure claims. Jorge represents insurance companies in first party residential and commercial property and casualty claims, including third party construction defect claims, defense of engineers, architects, and insurance agents in professional liability claims.  Jorge also handles all manner of general liability claims, commercial disputes, general professional liability, as well as administrative and regulatory matters before the Division of Administrative Hearing, including matters under Florida’s Election Law.

In addition, Jorge is an accomplished author and instructor.

Jorge graduated from Stetson College of Law in 1992. He graduated with a B.A., from the University of Florida. He is admitted to practice in the State of Florida, as well as the Federal Southern and Middle Districts of Florida.

Representative Articles

“What is the Difference Between Replacement Cost Value (RCV) and Actual Cost Value (ACV)?” JD Supra June 2023

“Florida Court Rules Documents Contained Within an Underwriting or Claims File are Protected Work Product,” JD Supra October 2021

“Plaintiff Maintains Initial Burden of Proof to Establish Causation in Hurricane Irma Claims,” JD Supra April 2021

“Florida Courts Rule an Insurance Carrier’s Property Liability is Limited to Direct Physical Loss,” JD Supra March 2021

“Florida First Party Property Case Law Signals that Insurance Carriers Need Only Request an Examination Under Oath Via Mail,” JD Supra February 2021

“Plaintiffs’ Bar Hits a Wall When It Comes to Access Damages,” JD Supra, January 2021

“Florida Case Law Update: Case Eliminates Intent Element of False Statement,” Claims Journal 2014

“Florida Case law Update on Motion to Compel Appraisals,” Claims Journal 2012

“Getting Paid, Fast; Proyecto Magazine, Latin Builders Association,” November 2010

 Representative Presentations

“Verdict Form in a Wind Claim,” What is an all-risk policy? March 2022

“Legislative Update, AOB Crises,” A Florida Phenomena, March 2018

“First Party Statutory Bad Faith,” November 2017

“Assignment of Benefits,” The Trends, The Law and Tips on Handling Claims, January 2016

“Emerging Developments and Case Law Effecting Construction Contracts on Public Projects,” 34 Annual Local Government Law in Florida, May 2011

Community Service

Chairman, Florida Elections Commission, 2007 to 2011

Commission, Florida Elections Commission, 2005 to 2007


Florida Bar (1992)

United States District Court for the Southern District of Florida

United States District Court for the Middle District of Florida

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