As a member of the Professional Liability Department, Carolin Pacheco focuses a part of her practice on first-party insurance coverage claims, defending insurance carriers in a wide range of disputes. She also defends insurers in matters pertaining to coverage and bad faith claims, and assists them through pre-suit investigations and arbitrations.
Carolin also represents condominium association boards in directors and officers suits, as well as real estate agents, brokers and appraisers in errors and omissions claims. She also concentrates a portion of her practice, litigating FDCPA claims and suits brought by debtors, against the collection services assigned to recover the debt.
Before joining Marshall Dennehey, Carolin was an Assistant Public Defender with the Ninth Judicial Circuit of Florida in Orange and Osceola County. She focused her practice on criminal defense for indigent clients. During this time, she litigated various cases ranging from criminal traffic infractions to property damage and violent crimes from initial arrest to jury trial and sentencing.
Carolin graduated from the University of Central Florida in 2008 with a Bachelor of Arts in Legal Studies and earned her juris doctor from Stetson University College of Law in 2015. While in law school, Carolin was a law clerk at a general civil litigation firm, where she worked on cases involving breach of contract, landlord-tenant law, and family law. She was also a law clerk for the U.S. Attorney's Office of the Middle District of Florida. Carolin had an active role in her law school's campus activities where she served as a Student Ambassador, she was the president of the Immigration Law Student Association and the secretary of the Hispanic Bar Student Association.
Outside her law practice, Carolin enjoys exploring Central Florida.
Honors & awards
The Best Lawyers: Ones to Watch, Insurance Law
2021-2026
Year joined
2018
Results
Summary judgment achieved in first-party coverage lawsuit.
Insurance Services - Coverage & Bad Faith Litigation
November 1, 2022
We won summary judgment in the U.S.D.C. for the Middle District of Florida in a first-party coverage case challenging the prompt notice of an insurance claim. The plaintiff alleged extensive damage to the insured premises, including the alleged need to tear out and access the cast iron plumbing for its full replacement following a toilet overflow at the property. The plaintiff failed to report the loss for 20 months following the alleged date of loss.
Thought Leadership
Marshall Dennehey Announces 2026 Shareholder Class and Special Counsel Promotions
December 15, 2025
Marshall Dennehey is pleased to announce that 16 attorneys have been elected shareholders of the firm effective Jan. 1, 2026. Additionally, two attorneys have been promoted from associate to special counsel.
Fourth District Court Held Trial and Appellate Courts May Not Reweigh Evidence on Judgment Notwithstanding the Verdict, Reversing Decision
Orlando
Insurance Services - Coverage & Bad Faith Litigation
December 1, 2025
In a recent opinion from the Fourth District Court of Appeals, the court found that it is not the function of a trial judge or the appellate court to reweigh evidence on a motion for judgment notwithstanding the verdict, reversing the trial court’
Assignment of Benefits Deemed Invalid Where ‘Estimate’ Contained Bundled Costs Instead of Itemized Per-Unit Breakdown
Orlando
Insurance Services - Coverage & Bad Faith Litigation
Property Litigation
September 1, 2025
The County Court for Broward County in the Seventeenth Judicial Circuit of Florida is the latest jurisdiction to render a decision further upholding the requirements set forth within Section 627.7152, Florida Statutes, finding that a valid assignm Legal Update for Florida Coverage & Property Litigation - September 2025 is prepared by Marshall Dennehey to provide information on recent legal d
98 Marshall Dennehey Attorneys Recognized in the 2026 Editions of The Best Lawyers in America and the Best Lawyers: Ones to Watch in America
August 20, 2025
Marshall Dennehey is proud to highlight the firm’s 98 attorneys who have been recognized in the 2026 editions of The Best Lawyers in America and the Best Lawyers: Ones to Watch in America. Less than 6% of all practicing lawyers in the U.S.
Florida Law Changes Roofing Contracts in Effort to Better Inform Consumers - CS/CS/HB 715
Orlando
Insurance Services - Coverage & Bad Faith Litigation
Property Litigation
June 1, 2025
On May 19, 2025, Governor Ron DeSantis signed into law House Bill 715, which amends existing Florida Statutes to introduce new regulations and consumer protections related to roofing services: Legal Update for Florida Coverage & Property Litigation - June 2025 is prepared by Marshall Dennehey to provide information on recent legal develo
