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David Winter
901 Main Street
Suite 4000
Dallas TX 75202
TEL: (214) 749-4217
FAX: (214) 760-8994
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Practice Areas
Bar and Court Admissions

David B. Winter

David's practice focuses primarily on resolving commercial insurance coverage disputes and the resulting litigation.  His experience includes cases involving commercial property, errors and omissions, general liability, and employee dishonesty insurance policies.  He also has experience in analyzing the complex issues associated with both facultative and treaty reinsurance.  David continues to have an instrumental role in Zelle's representation of insurance carriers involved in disputes stemming from various natural disasters, including Hurricanes Katrina, Wilma, and Ike.

Representative Matters

Bexar County Hospital District d/b/a University Health System v. Factory Mutual Insurance Company, 475 F.3d 274 (5th Cir. 2007).  Fifth Circuit affirmed summary-judgment ruling in favor of commercial property insurer on deductible calculation of “time element loss.”

Obtained ruling on behalf of commercial property insurer following ten-day arbitration of $75 million claim by Fortune 100 retail company arising out of Hurricane Katrina.

Obtained summary judgment ruling in $11 million commercial general liability coverage dispute arising from construction defects at apartment complex.

Represented commercial property insurer in $178 million reinsurance coverage dispute arising from employee sabotage of supercomputer.

Represented multiple property insurers in coverage dispute involving $81 million claim arising out of a fire at a petrochemical refinery.

Represented property insurer in insurance coverage litigation involving $250 million of alleged damages arising out of Hurricane Katrina.

Represented professional liability insurer in $10 million coverage dispute.

Represented excess errors and omission insurance carrier in $33 million claim arising from error in human clinical trial.

Represented multiple commercial property insurance carriers in $373 million business interruption claim arising from damage to chemical manufacturing facilities arising from Hurricane Ike.

Represented reinsurer for excess general liability carrier in $1 million dispute with primary liability carriers involving coverage for settlement of a nursing home liability case.

Articles & Presentations

"Commercial Property Insurance Coverage for Texas Winter Freeze Losses," Claims Journal, February 23, 2021, co-author

"Limited Power of Attorney No Substitute for AOB in Texas," Texas Law360, March 26, 2018, author

"Texas Hail Claims: Dealing With Multiple Disasters at Once," Texas Law360, April 26, 2016, author

"Insurance Benefit Assignment to Contractors: Not in Texas," Texas Law360, November 16, 2015, author

"Texas High Court Clarifies Multiple Perils Coverage Scope," Texas Law360, May 8, 2015, author

Professional Affiliations


David has received a NITA Advocate designation. The National Institute of Trial Advocacy (NITA) is a dedicated team of professors, judges and practicing lawyers who believe that skilled and ethical advocacy is a critical component of legal professionalism and all systems of dispute resolution that seek justice.

David was named a "Rising Star" for 2015 and 2016 by Texas Monthly magazine.

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