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Jennifer Gibbs
Partner
Dallas
901 Main Street
Suite 4000
Dallas TX 75202
TEL: (214) 749-4255
FAX: (214) 760-8994
{ mail } jgibbs@zellelaw.com
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Practice Areas
Bar and Court Admissions
Education
Past Professional Experience

Jennifer L. Gibbs

Licensed in Texas, Arkansas, and the District of Colorado, Jennifer has over twenty-years’ experience in the insurance industry.  

As a litigator, Jennifer’s practice is focused on first-party property insurance coverage disputes resulting from catastrophic losses such as hail, wind, ice, water damage, collapse, fire, and explosion.  

As an insurance agent and risk manager,  Jennifer specialized in large commercial property accounts, including property management companies, rural electrical cooperatives and publicly-traded corporations.  

Jennifer’s unique and specialized knowledge of property insurance risks from the perspective of both a lawyer and insurance-industry insider allows her to effectively resolve complex disputes on a cost-effective basis for her clients.  

Through talent combined with effort, Jennifer has become an expert and go-to lawyer for her clients in the field of property insurance law. To that end, in 2017 Jennifer received an L.L.M. in Insurance Law from the University of Connecticut School of Law, and was awarded the CALI Award for Excellence in both Property Insurance and General Liability Insurance courses.

Jennifer serves as the head of Zelle’s Wellbeing Committee, and has been certified in Adult Mental Health First Aid from the National Council for Mental Wellbeing.

Representative Matters

First-Party Insurance Coverage

Obtained a zero dollar appraisal award for insurers regarding claims involving equipment breakdown coverage.

Represented a commercial property insurer in a multi-million dollar property hail loss involving a large convention center hotel.  Case resolved immediately after jury selection. 

Represented a commercial property insurer in a multi-million dollar collapse claim resulting from a December 2013 ice storm. 

Represented a commercial property insurer in an interpleader action involving insurance proceeds from fire loss.

Represented a commercial property insurer in post-appraisal dispute involving application of coinsurance penalty.

Represented a commercial property insurer in a dispute involving hail damage to SPF roofing and application of ordinance or law coverage.

Represented a commercial property insurer in dispute involving challenge to insured’s designated appraiser, George Keys.

Articles & Presentations

“AI Update: AI Avatar Does NOT, In Fact, Please the Court,” The Zelle Lonestar Lowdown, April 21, 2025, author

“AI Update: AI-Driven Parametric Insurer Launches in Bermuda and Texas,” The Zelle Lonestar Lowdown, March 19, 2025, author

“Breakout: Choice of Law: How to Lose Your Case Before You Even File,” 2025 Insurance Coverage Litigation Committee CLE Seminar, Tucson, AZ, March 6, 2025, panelist

“AI Update: New Lawsuit Highlights the Risks of AI-Related Disclosures,” The Zelle Lonestar Lowdown, February 19, 2025, author

“AI Update: New Lawsuit Highlights Potential Risks Associated with Products Utilizing Artificial Intelligence,” The Zelle Lonestar Lowdown, January 16, 2025, author

“AI Update: AI and Insurance - Predictions for 2025,” The Zelle Lonestar Lowdown, December 18, 2024, author

“AI Update: Texas Department of Insurance Approves ZestyAI’s Severe Convective Storm Models,” The Zelle Lonestar Lowdown, November 13, 2024, author

“AI Update: California Governor Vetoes AI Safety Bill” The Zelle Lonestar Lowdown, October 9, 2024, author

“AI Update: What is Zero Shot Learning?” The Zelle Lonestar Lowdown, September 11, 2024, author

“Lawyer Discernment is Critical in the World of AI”, the Inaugural Navigating Artificial Intelligence and Its Emerging Risks ExecuSummit, Uncasville, CT, September 11, 2024, speaker

“AI Update: Eleven States Adopt NAIC’s Model Bulletin on the Use of Artificial Intelligence Systems by Insurers,” The Zelle Lonestar Lowdown, August 13, 2024, author

“AI Update: What is Explainable Artificial Intelligence (XAI)?,” The Zelle Lonestar Lowdown, July 10, 2024, author

“AI Update: Shallowfake and Deepfake Technology: Coming Soon to a Claim Near You,” The Zelle Lonestar Lowdown, June 13, 2024, author

"Narcissistic Lawyers and Artificial Intelligence: A Band of Dysfunctional Brothers?", ABA Journal, May 29, 2024, author 

“AI Update: Can ChatGPT Draft a Newsletter Article on AI and Insurance?”, The Zelle Lonestar Lowdown, May 14, 2024, author

“AI Update: New Report Addresses Catastrophic Risks of AI,” The Zelle Lonestar Lowdown, April 9, 2024, author

"Avoiding Bad Faith Allegations," Dallas Claims Association (DCA), April 3, 2024, presenter

“AI Update: Who is at Fault When a Self-Driving Car Crashes?” The Zelle Lonestar Lowdown, March 13, 2024, author

“Succeed with Empathy: How Being Empathetic Wins Customers and Cases,” ALM |PropertyCasualty360 Complex Claims & Litigation Forum, February 27, 2024, Las Vegas, NV, panelist

“AI Update: Insuring the Future: Insurers Face Challenges as Artificial Intelligence Expands,” The Zelle Lonestar Lowdown, February 16, 2024, author

"Dealing With Narcissists and A-Holes," Zelle 2024 What the Hail? Conference, Irving, TX, February 8, 2024, presenter

“AI Update: What is AGI and Why is it Important?,” The Zelle Lonestar Lowdown, January 9, 2024, author

“AI Update: Understanding Machine Learning and Deep Learning,” The Zelle Lonestar Lowdown, December 12, 2023, author

"Attorney Wellness in a Post-Pandemic Legal World,"  Tort and Insurance Practice Section of the Dallas Bar Association, December 5, 2023, Dallas, TX, presenter

“AI Update: Regulating Artificial Intelligence in the Insurance Marketplace,” The Zelle Lonestar Lowdown, November 14, 2023, author

“AI Update: Embedded Insurance and Artificial Intelligence in the Insurance Industry” The Zelle Lonestar Lowdown, October 10, 2023, author

“NAIC Releases Highly-Anticipated Draft Bulletin Addressing Insurer Use of Artificial Intelligence Systems,” The Zelle Lonestar Lowdown, September 12, 2023, author

“Tales from the Trenches of Remote Depositions,” The Zelle Lonestar Lowdown, August 8, 2023, co-author

“AI Update: Hurricanes, Artificial Intelligence, and Insurance – Oh My!,” The Zelle Lonestar Lowdown, August 8, 2023, author

"Tales from the Trenches of Remote Depositions," Law360, July 21, 2023, co-author

“AI Update: A Bad Trip: AI Hallucinations Lead to Orders Requiring Disclosure of AI Use in Legal Briefing,” The Zelle Lonestar Lowdown, July 11, 2023, author

“AI Update: Lawyers Who Used ChatGPT As A Search Engine And Cited Fake Cases Could Be Sanctioned,” The Zelle Lonestar Lowdown, June 13, 2023, author

“AI Update: Insuring the Future: How Artificial Intelligence Could Revolutionize the Insurance Industry,” The Zelle Lonestar Lowdown, May 9, 2023, author

“Litigation and Legal Issues Panel," Insurance Council of Texas (ICT) 2023 ICT/AFACT Property & Casualty Insurance Symposium, panelist

"Lawyer Discernment Is Critical In The World Of AI," Law360, April 24, 2023, author

"How Lawyers Can Set Ethical Boundaries Post-Pandemic," Law360, July 27, 2022, author

"Insurer Considerations For Post-Pandemic Virtual Mediation," Insurance Law360, August 12, 2021, co-author

"Virtual Litigation May Unravel The Narcissistic Lawyer," Law360, April 6, 2021, author

"Don't Let Lies Infiltrate The Mediation Process," Law360, January 25, 2021, co-author

"Setting Boundaries: An Essential Skill For Lawyers," Law360, January 27, 2020, author

"Vague Contract Terms Do Not Always Mean the Insurer Loses," Insurance Law360, September 30, 2019, author

"Insuretech: The Next Frontier for Property Insurance," American Bar Association Property Insurance Law Committee Spring Conference, May 10, 2019, co-presenter 

"How to Identify and Deal with Narcissists in Law," Law360, May 2, 2019, author

"Lawyer Burnout," Locke Lord, Dallas, TX, April 11, 2019, presenter

"What Lawyers Can Do to Prevent and Combat Burnout," Law360, January 31, 2019, author

"Mindfulness in the Law," The Women in Law & Leadership Summit, Houston, TX, October 3, 2018, roundtable moderator

"Texas Case Shows Clarity is Key in the Appraisal Process," Texas Law360, July 5, 2018, co-author

"Insurtech is the Next Frontier for Texas Insurance," Texas Law360, March 12, 2018, co-author

"She Drives Me Crazy and I Can Help Myself," Property Insurance Law Committee (PILC) Spring CLE Meeting hosted by the American Bar Association, Nashville, TN, March 1-3, 2018, panelist

"The Enneagram and the Practice of Law," Law360, January 3, 2018, author

"A Look Back at Texas Insurance Law in 2017," Texas Law360, December 21, 2017, author

"Hurricane Harvey and Concurrent Causation in Louisiana," Insurance Law360, September 1, 2017, author

"Spiral Dynamics and the Vanishing Jury Trial," Law360, July 7, 2017, author

"Insurance Takeaways From Texas’ New Hailstorm Bill," Texas Law360, May 17, 2017, author

"The Mediator’s Proposal: Know When to Walk Away, and Know When to Run," TIPS Property Insurance Law Committee Newsletter, Spring 2017, author

"Lawyers in Flow: Get out of your Head and into your Case," Law360, April 14, 2017, author

"The Name Game: Ensuring Interested Parties are Protected," Property Insurance Law Committee (PILC) Spring CLE Meeting hosted by the American Bar Association, Orlando, FL, April 6-8, 2017, panelist

"Global Hail: Kenya," CAT-Law Navigator, February 28, 2017, co-author

"Saving Lawyers 1 Less Drink at a Time - The Not-So-Obvious Link Between Alcohol and Anxiety," Law360, February 13, 2017, author

"Global Hail: Australia," CAT-Law Navigator, January 26, 2017, co-author

"Saving the Lawyers One Breath at a Time: Mindfulness in the Law," Law360, January 12, 2017, author

"Global Hail: China," CAT-Law Navigator, December 29, 2016, co-author

"Global Hail: India," CAT-Law Navigator, November 11, 2016, co-author

"Global Hail," CAT-Law Navigator, September 13, 2016, author

"Texas Says ‘No Way’ to One Way’s Hail Damage Claim," Texas Law360, September 28, 2016, author

"Hurricane Katrina and Wind v. Flood Coverage," TIPS Property Insurance Law Committee Annual Spring CLE Meeting, Las Vegas, NV, April 8, 2016, co-presenter

"Cyber Risks and Insurance in the Marine Industry," Insurance Law360, March 14, 2016, author

"Texas Tornadoes: Why Risk Mitigation Matters," Texas Law360, March 4, 2016, author

"The Argument for Utmost Good Faith in Property Insurance," Texas Law360, December 10, 2015, author

"The Wild West of Improper Joinder in North Texas," Texas Law360, August 17, 2015, author

"Don’t Mess With Texas Adjusters In Hail Damage Claims," Texas Law360, February 6, 2015, author

"Texas High Court Doesn’t Take Fishing Expedition Bait," Texas Law360, December 2, 2014, co-author

"Property Insurance May Mitigate Ebola-Related Losses," Insurance Law360, November 3, 2014, author

"Surplus Lines Insurance in Texas: A Dark Horse," Texas Law360, March 9, 2014, co-author

"Herculean Metaphors, Other Peculiarities Of Heller v. ACE," Texas Law360, January 7, 2014, author

"Scope Of Appraisal Continues To Be Problematic In Texas," Texas Law360, November 6, 2013, author

"Baseless Claims In Texas Now Have Financial Consequences," Texas Law360, September 30, 2013, author

"Mediation Opening Statements:  You Gotta Know When To Hold 'Em, Know When To Fold 'Em," TIPS Property Insurance Law Committee Fall 2013 Newsletter, Fall 2013, co-author

“Harmonizing Collapse Coverage,” ABA TIPS Property Insurance Law Committee 2013 Spring Meeting, co-author and presenter

Professional Affiliations

Noteworthy

Board Certified in Insurance Law by the Texas Board of Legal Specialization.

Selected by Corporate Counsel’s 2024 Women, Influence & Power in Law Awards, 2024, in the Mental Health & Well Being Initiative category. 

Selected for inclusion in The Best Lawyers in America®, 2024, 2025.

Selected for inclusion in Lawyers of Distinction, 2024. 

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