Tiffany Bustamante

Co-Chair, Bad Faith Group

Recent Publication:

When AI Denies, Insurance Bad Faith Claims May Follow

Tiffany Bustamante and Abigail C. Horvat co-authored the expert analysis column titled "When AI Denies, Insurance Bad Faith Claims May Follow" for Law360.

Tiffany is the co-chair of Cozen O’Connor’s Bad Faith Group. She concentrates her practice on complex civil litigation, with deep experience in property, casualty, catastrophic injury, premises liability, commercial general liability, and bad faith matters. She has guided cases through all stages of litigation, from discovery and dispositive motions to expert practice, settlement negotiations, and appeals. Tiffany has litigated a wide array of coverage disputes on behalf of commercial carriers, including declaratory relief, breach of contract, bad faith, punitive damages, fraud, prima facie tort, tortious interference, and deceptive trade practices claims.

Tiffany was recently appointed by The Florida Bar to its Special Committee on AI Tools & Resources, where she helps shape the ethical adoption of AI technology to serve lawyers and the public. She also serves on Cozen O’Connor’s Global Insurance Department’s Tech Innovation Committee, leading efforts to integrate AI tools that improve efficiency, accuracy, and cost-effectiveness for insurer clients.

Prior to joining Cozen O’Connor, Tiffany was a partner at a boutique litigation firm in Miami, where she represented insurers in matters involving directors’ and officers’ liability, professional liability, first-party property coverage, and bad faith. She provided coverage and excess exposure opinions, monitored high-risk claims, and advised carriers on complex multi-claimant disputes.

Tiffany earned her Bachelor of Science, cum laude, from Florida State University and her Juris Doctor from the University of Florida Levin College of Law. Tiffany serves as an adjunct professor at UF Law, where she designed and teaches the first-of-its-kind compressed course on AI & Insurance, exploring how emerging technologies are transforming claims, coverage, and risk management in a cyberlaw framework. In addition, she serves on the school’s Alumni Council board of directors and co-chairs its Alumni Engagement Committee.

Beyond her practice, Tiffany has devoted more than a decade to serving as a guardian ad litem volunteer, first in Gainesville’s Eighth Judicial Circuit and now in Miami’s Eleventh Judicial Circuit, where she advocates for abused, neglected, and abandoned children.

Tiffany is a fluent Spanish speaker.

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Experience

News

Tiffany Bustamante Appointed to The Florida Bar’s Special Committee on Artificial Intelligence Tools & Resources

September 11, 2025

Tiffany Bustamante, a member of the Global Insurance Department and co-chair of the Bad Faith group, has been appointed to The Florida Bar’s Special Committee on AI Tools & Resources.

Super Lawyers Names 13 Cozen O’Connor Attorneys to its 2025 Florida List

July 10, 2025

Nine Cozen O’Connor attorneys have been recognized by their peers in Florida as Super Lawyers and four were recognized as Rising Stars.

Tiffany Bustamante Appointed to University of Florida Levin College of Law Alumni Council Board of Directors and Co-chair of Alumni Engagement Committee

May 20, 2025

Tiffany Bustamante, a member of the Global Insurance Department and co-chair of the Bad Faith group, has been appointed to the University of Florida’s Levin College of Law Alumni Council Board of Directors, and named co-chair of the Alumni Engagement Committee.

Tiffany Bustamante Selected to The Florida Bar’s Leadership Academy

May 15, 2025

Tiffany Bustamante, a member of the Global Insurance Department and co-chair of the Bad Faith group, has been accepted as a Fellow of The Florida Bar’s Wm. Reece Smith, Jr. Leadership Academy.

Cozen O’Connor Announces New Group Leadership, OMPs, Other Promotions

March 11, 2025

Cozen O’Connor announced today new practice group leadership, office managing partners, and leaders of firm committees and initiatives.

Super Lawyers Names 15 Cozen O’Connor Attorneys to its 2024 Florida List

July 03, 2024

Eight Cozen O’Connor attorneys have been recognized as Super Lawyers, including Susan N. Eisenberg, James A. Gale, Howard S. Krooks, Samuel A. Lewis, Ellen S. Morris, Stuart R. Morris, Ralf R. Rodriguez, and Martin T. Schrier. The seven Cozen O’Connor attorneys recognized as Rising Stars are Heather Beale, Tiffany Bustamante, J. Kent Crocker, Arielle Eisenberg, Alexandra J. Schultz, Natasha Shaikh, and Paul Souferis.

Cozen O’Connor Promotes 23 Attorneys to Member

March 15, 2024

“This is a group of terrific lawyers across many offices and practices areas and we look forward to following their achievements,” said Executive Chairman and Chief Executive Officer Michael J. Heller.

Super Lawyers Names 12 Cozen O’Connor Attorneys to its 2023 Florida List

June 30, 2023

Selection to Super Lawyers is based on peer nominations and evaluations, combined with independent research. Each candidate is evaluated on 12 indicators of peer recognition and professional achievement. Only 5% of attorneys are named Super Lawyers; only 2.5% of attorneys are listed as Rising Stars.

Publications

When AI Denies, Insurance Bad Faith Claims May Follow

September 12, 2025

Tiffany Bustamante and Abigail C. Horvat co-authored the expert analysis column titled "When AI Denies, Insurance Bad Faith Claims May Follow" for Law360.

When Algorithms Deny: AI and the New Frontier of Bad Faith [Avoiding Insurance Bad Faith Blog]

August 22, 2025

As industries across the board adopt artificial intelligence (AI), insurers have likewise recognized its potential to enhance efficiency in claims administration. Yet with this opportunity comes tension: consumers expect both swift resolution of claims and individualized attention. AI can help...

Fourth DCA Reverses Jury Verdict Due to Improper Admission of Claims Handling and Bad Faith Evidence [Avoiding Insurance Bad Faith Blog]

July 07, 2025

In Universal Property & Casualty Insurance Co. v. Naze, No. 4D2024-0098 (Fla. 4th DCA June 4, 2025), the Fourth District Court of Appeal reversed a jury verdict in favor of the insured, holding that the trial court improperly admitted irrelevant and unduly prejudicial evidence of claims...

Navigating Florida's Bad Faith Reforms After Appellate Ruling

May 02, 2025

Tiffany Bustamante and Nicole Connors contributed the Expert Analysis “Navigating Florida's Bad Faith Reforms After Appellate Ruling'” for Law360.

Retroactivity, Appraisal, and Interpleader: Navigating Florida’s Bad Faith Reforms After Cindy Vo v. Scottsdale [Avoiding Insurance Bad Faith Blog]

April 18, 2025

Introduction The 2023 amendments to Florida Statute § 624.155, enacted through HB 837, significantly reshaped the landscape of bad faith litigation in Florida. Among the most consequential changes were the additions of two key provisions—§§ 624.1551 and 624.155(6)—both aimed at providing...

Hurricane Coverage Ruling Clarifies Appraisal Scope In Fla.

November 20, 2024

Tiffany Bustamante, co-chair of the firm’s Bad Faith group, wrote the expert analysis column “Hurricane Coverage Ruling Clarifies Appraisal Scope In Fla.” for Law360.

Split Decision: Florida Districts Clash Over Insurance Coverage for Unperformed Repairs [Property Insurance Law Observer Blog]

October 16, 2024

In the recent decision Universal Property & Casualty Insurance Co. v. Qureshi, the Florida Fourth District Court of Appeal held that homeowners cannot recover replacement cost benefits unless they have incurred expenses for repairs. The court emphasized that under both the insurance policy's...

When the Appraisal Says One Thing, But the Policy Says Another: A Florida Insurance Case Study [Property Insurance Law Observer Blog]

October 09, 2024

In a recent decision by the U.S. District Court for the Middle District of Florida, Wood v. GeoVera Specialty Insurance Company (2024 WL 3952571), the court affirmed that unambiguous policy limits remain enforceable even when an appraisal award exceeds those limits. This decision provides valuable...

Court Finds No Coverage for Loss Caused by Water Back Up Through a Storm Drain [Property Insurance Law Observer Blog]

March 04, 2024

In Carrico v. Stillwater Ins. Co., 23-CV-349-RAJ, 2024 WL 308106 (W.D. Wash. Jan. 26, 2024), the Western District of Washington considered competing motions for partial summary judgment in a property damage case involving a winter storm, where large amounts of rain and melted snow backed the drain...

Florida Appeals Court Reverses Appraisal Ordered In Storm Suit [Property Insurance Law Observer Blog]

August 02, 2022

On July 20, 2022, Florida's Third District Court of Appeal reversed and remanded a trial court’s decision compelling the parties to proceed with appraisal and staying litigation until that appraisal was completed. Florida’s appellate court held that trial court erred in granting the motion to...

Eleventh Circuit: Jury Instruction About Notice to Insured of Settlement Demand Was Required (Florida) [Avoiding Insurance Bad Faith Blog]

July 20, 2022

In its recent decision, Brink v. Direct General Ins. Co., 38 F.4th 917 (11th Cir. 2022), the Eleventh Circuit ruled 2-1 that the Florida district court erred when it failed to instruct a jury that an insurer not only owed a duty to settle claims for its insured, but also owed a duty to advise its...

Events & Seminars

Past Events

Legal Technology, Innovation Leadership and A.I.

October 17, 2025 - Coral Gables, FL

Practice Areas

Bad Faith

Insurance Coverage

Casualty & Specialty Lines Coverage

Property Insurance

Strategic Risk & Complex Litigation

Education

  • University of Florida School of Law, J.D., 2015
  • Florida State University, B.S., cum laude, 2012

Awards & Honors

Super Lawyers "Rising Star" (Florida) 2023 - 2025

  • District of Columbia
  • Florida
  • U.S. District Court -- Middle District of Florida
  • U.S. District Court -- Northern District of Florida
  • U.S. District Court -- Southern District of Florida
  • U.S. Court of Appeals for the Eleventh Circuit

Board of Directors, University of Florida Law Alumni Council

Co-Chair, Alumni Engagement Committee, University of Florida Law Alumni Council 

Leadership Academy, The Florida Bar

Special Committee on AI Tools & Resources, The Florida Bar