Craig Kubiak, Esq.

Craig Kubiak, Esq.

Craig Kubiak focuses his practice of law on representing first party property policyholders engaged in disputes with their insurance companies. Whether the claims involve damage(s) to single-family residences, commercial properties, condominium complexes, interruption of business income, or extra-contractual (“bad-faith”) claims against insurers for unfair and deceptive claims handling practices, Craig represents policyholders who are forced to litigate against their own insurance company because their insurer refuses to do the right thing.

As Managing Attorney, Craig Kubiak participates in Merlin Law Group’s most complex legal cases and projects, provides litigation and appellate support, and provides guidance to the attorneys—overseeing and ensuring the quality of the legal work conducted. He coordinates and supervises the attorneys of the firm, and participates in law office operations, including case assignment, hiring, supervision, and professional development of the firm’s attorneys. As the former head of Merlin Law Group trial division, Craig routinely strategizes and collaborates with the Firm attorneys on various litigation and trial issues.

A lifelong Florida resident, Craig graduated from the University of South Florida and received his Juris Doctor from the Thomas M. Cooley Law School in Lansing, Michigan. Over the past 20+ years, Craig has tried more than 100 jury trials, including cases involving damages caused by water, fire, sinkhole, hurricane(s), as well as extra-contractual (“bad-faith”) cases. In 2014, Craig was named head of the trial division for Merlin Law Group nationwide.

Craig routinely speaks on multiple insurance related topics across the United States at events such as Florida Association of Public Insurance Adjusters Conferences, Windstorm Insurance Network Conferences, First Party Claims Conferences, and National Association of Public Insurance Adjusters Conferences. In addition, Craig is currently the national co-chair of the Bad Faith Litigation Group for the American Association for Justice (formerly the ATLA).


Thomas M. Cooley Law School
Lansing, Michigan

Juris Doctor (1995)

University of South Florida
Tampa, Florida

Bachelor of Arts, Political Science

  • Published Works

    “Period of Restoration: What Does it Include and How is it Determined” – First Party Claims Conference, October 2014

    “Pre-Litigation Practical Tips For Public Adjusters” – FAPIA Conference, April 2013

    “Triggering Replacement Cost Benefits, Law and Ordinance Coverage and Calculating ACV – Uncovedring Facts About The Pre-existing Condition of Buildings and Adjusting These Claims in a Post Loss World” – Windstorm Insurance Network Conference, 2012

    “Lessons Learned From Recent Litigation Against Insurers” – FAPIA Fall Conference, 2012

    “The Sword and Shield of Ethical Public Adjusting” FAPIA Winter Conference, 2011

    “Insurance Fraud – What is it and Where is it Found?” – First Party Claims Conference, 2011

    “WORDS – Learn to Use Them and Not Abuse Them,”
     First Party Claims Conference, 2009, FAPIA Summer Conference 2009

    “Speed Adjusting: A Fast and Furious Look at the Concerns and Considerations of Insurance Claims and How They Can Affect Public Adjusting” – FAPIA Summer Conference, 2009

  • Professional Associations & Memberships

    American Association of Justice Secretary of the Bad Faith Litigation Group

    National Association of Criminal Defense Lawyers

    Florida Association of Criminal Defense Lawyers

    National Association of Public Insurance Adjusters (NAPIA) Associate Member

    Florida Association of Public Insurance Adjusters (FAPIA) Associate Member