★★★★★
“With this firm you are not just a number. You will be treated with compassion, respect and dignity. They are not afraid to fight aggressively for their clients. I highly recommend them.”
Lyne K. · Google Review
About the firm
A legal team to help when claims become fights.
David Graham Insurance Lawyers, P.A. helps policyholders, businesses, and injured people across Florida and Tennessee understand their options and move forward with confidence — and never represents insurance companies.
Policyholders onlyNever insurers
14 YearsRepresenting Policyholders
Three officesFL & TN
Free case reviewsNo upfront cost
Why clients call
We help when the claim process starts to feel overwhelming.
Many people call after a claim is delayed, denied, underpaid, or becomes harder to manage than expected. The firm helps clients understand what matters, organize the record, and decide the next step.
Insurance companies keep detailed records.
Your photos, letters, estimates, reports, and timeline can help protect your side of the story.
What you do early can matter.
Statements, documents, releases, estimates, photos, reports, and deadlines can all affect what happens next.
How we can help
Legal help for insurance disputes, property damage, and injury claims.
Whether the loss affects your home, business, health, or ability to work, the insurance company controls the process. Choose the area closest to your situation.
Insurance claims
Denied & underpaid
Coverage disputes, claim delays, low payments, denied claims, and confusing insurer positions.
Open insurance help → Property damageHome & business
Storm, roof, water, mold, fire, and smoke losses, with disputes over proof, estimates, and repairs.
Open property help → Personal injuryAccidents & harm
Auto and truck accidents, unsafe property, serious injuries, wrongful death, and insurance issues after an injury.
Open injury help → Medical malpracticeSerious negligence
Medical error, delayed diagnosis, and serious-injury matters involving records, timelines, and lasting harm.
Open malpractice help →What happens next
We start with what happened, then build a path forward.
A good next step starts with listening, reviewing the documents, and understanding where the dispute really is.
01
Listen first
What happened, what changed, what you are worried about, and what decisions are coming up.
02
Review the documents
Policies, letters, photos, estimates, reports, medical records, claim numbers, and communications.
03
Find the real issue
Denial, underpayment, fault, cause of damage, missing documentation, injury impact, or a legal deadline.
04
Build the record
Organize the facts, evidence, claim history, timeline, damages, and the legal position.
05
Move with purpose
Communicate, negotiate, escalate the claim, or take legal action when it is needed.
About the attorneys
The people reviewing the claim matter.
Before you share the details of an insurance dispute or injury, it helps to know who is reviewing the problem. Our attorneys focus on what happened, what the insurance company has said, and what evidence may matter next.
Client reviews
David M. Graham, Esq.
Founder / Lead Attorney
Focused on helping policyholders understand coverage, valuation, and the evidence a claim depends on before the next move is made.
Thomas Eross, Jr., Esq.
Attorney at Law
Brings steady communication and practical review to policy language, claim documentation, and insurance disputes.
Office locations
Offices in Florida and Tennessee.
Florida
Florida
Tennessee
Areas served: Jacksonville, Duval County, Orange Park, Ponte Vedra, St. Augustine, the Beaches, and North Central Florida; Cleveland, Bradley County, Chattanooga, and Southeast Tennessee. Clients in surrounding areas are served remotely where there is no local office.
Who we help
People call when they need clarity before making a decision.
The firm helps people and businesses dealing with uncertainty, paperwork, insurance calls, property damage, injuries, or questions about whether a claim is being handled fairly.
01
Homeowners with denied or underpaid claims
Denied claims, low estimates, delays, and questions about claim documents.
02
Business owners dealing with property damage
Commercial claims, repair disputes, restoration issues, and coverage questions.
03
Families after fire, storm, water, or mold damage
Damage documentation, mitigation, estimates, repairs, and insurer arguments.
04
Injured drivers and passengers
Crashes, medical treatment, insurance calls, fault disputes, and settlement pressure.
05
People hurt by unsafe property
Falls, dangerous conditions, poor maintenance, incident reports, and evidence questions.
06
Families dealing with serious injury or wrongful death
Severe harm, long-term impact, family loss, and questions about responsibility.
07
People unsure whether insurance is treating them fairly
Low offers, unexplained delays, confusing letters, exclusions, or recorded-statement requests.
08
Clients who don't know what kind of case they have
Start by telling us what happened — the firm can help identify the right path.
Why location matters
A claim is not just paperwork. It happens in a real place.
Weather, roads, buildings, repair options, local medical care, and office access can all affect a claim. That is why we help people find the office and practice area closest to their situation.
Florida clients
Storm, water, roof, mold, fire, injury, and property damage claims across Jacksonville, High Springs, and surrounding areas.
Tennessee clients
Insurance, fire, auto accident, truck accident, and injury claims in Cleveland and Southeast Tennessee.
What to expect
The first step is simple.
You do not need every document ready, or the right legal words, before reaching out.
01
You tell us what happened
A short description is enough to begin.
02
We help identify the type of claim
Insurance, property damage, injury, malpractice, or another serious issue.
03
We ask what documents exist
Policies, letters, photos, estimates, medical records, reports, or claim numbers.
04
We explain whether we may be able to help
The review helps you understand whether there may be a path forward.
05
You decide whether to move forward
The initial review is free. You should understand the next step before deciding.
Free case review
Not sure where to start? Tell us what happened.
Whether you are dealing with an insurance dispute, property damage, an accident, an injury, or a serious claim question, the first step is a free review. Bring what you have — a review does not require a perfect file.
Denied, delayed, or underpaid claims
Storm, hurricane, fire, water, and mold losses
Homeowner and commercial property disputes
Personal injury and auto accident claims
Medical malpractice and serious-injury matters
Help before you sign or give a statement
Start here
Free Case Review
Questions before you call
Questions people ask before reaching out.
The firm primarily represents policyholders and injured people in insurance-related matters, including denied, delayed, underpaid, and disputed property claims, storm and fire losses, auto and truck accidents, and personal injury claims. The firm also handles select medical malpractice matters.
Yes. Insurance law is a primary focus of the firm. That includes property damage claims, storm and fire losses, auto and truck accident claims, and personal injury matters involving insurance coverage and claim disputes. The firm also handles select medical malpractice matters.
Yes. The firm has offices in Jacksonville, Florida; High Springs, Florida; and Cleveland, Tennessee, and serves surrounding areas remotely where there is no local office.
Free case review. No upfront cost to find out whether we can help. If the firm can assist, next steps and any fee arrangement are explained before you decide whether to move forward.
Helpful items may include policies, claim numbers, insurer letters, photos, estimates, reports, medical records, bills, and a simple timeline of what happened.
That is normal. Start with a free review and describe the issue in plain English — the firm can help identify the next step.
Yes. Early guidance can help you understand what to document and how to respond before the claim process becomes harder to unwind.
Yes. The firm helps individuals, families, homeowners, and businesses with serious claims and disputes.
Not sure where to start?
Tell us what happened.
Whether it is an insurance dispute, property damage, an accident, an injury, or a serious claim question, the first step is a free review.