Our Insurance Attorneys

Learn more about our lawyers and the principles behind the David Graham Insurance Lawyers, P.A. team.


David Graham Insurance Lawyers, P.A. was founded in 2012 by David M. Graham, a Florida insurance attorney. The firm was started on the principle of representing policyholders struggling through difficult insurance claims. Insurance claims that are delayed, underpaid, or outright denied. Coming from a background of strong moral principles, and personally witnessing his own family get taken advantage of during a time of need by their insurance company, David set out to fight against Bad Faith Insurance claims handling tactics and practices that insurance companies often use to discourage their policyholders to give up or take less than what is owed under the insurance policy for claim benefits. He could not believe how his family, and so many other families, are taken advantage of by their insurance companies, and he wasn’t going to stand for it. 

Let’s look at a case outside our law firm: Mr. and Mrs. Joyce, an elderly retired couple, filed a homeowner’s insurance claim with their insurance company. Their coverage was later denied by their insurance company under the basis that there was alleged material misrepresentation in their claim during the application process, stating that the Joyces had not disclosed losses they had with their previous insurance carrier. Unwilling to let go of their claim, the Joyces found a law firm that would represent them for free on the basis that their attorneys would collect attorney’s fees at the end case, which is allowed by Section 627.428 of the Florida Statutes. 

After several months of litigation, the Joyces insurance carrier agreed to settle the claim, paying the Joyces for their losses and their attorney’s fees. It was a win for the Joyces and their lawyers, and justice was served. 

David M. Graham:

“I’ll never forget how an insurance company took advantage of my parents when their home caught fire. Unfortunately, my parents didn’t know their rights. I have also known a number of other people who’ve had similar experiences over the years and thought they had no recourse.

That’s why I became a lawyer and why I’m unrelenting in my pursuit of justice for my clients.”

Our Team

Our law firm is awarded payment when your cases are closed. We designed our practice this way to help policyholders pursue their insurance claims. There are three common themes amongst policyholders seeking legal counsel and representation: Intimidation, Value, and Finances. 

Some policyholders are intimidated by the idea of finding a lawyer, sometimes searching the internet repeatedly, lawyer website after website, over and over again until they finally make the decision to call one, two, or three lawyers for a advice on what they should do about their claim. We assure you there’s no need to be intimidated. Speaking to our staff and attorneys does not bind you into a contract and there is no obligation. 

Other policyholders think their case is not worth an attorney’s time and don’t even bother making the call. This is a misconception. We recommend you speak to a law firm about your case to properly break down what your options are. 

Finally, the big, common theme: Inability to afford a lawyer. While there are many law firms that do not represent you without upfront payment, we are not that law firm. David Graham Insurance Lawyers, P.A. represents you for free until a case is closed. When your case is settled with the insurance company, our law firm is awarded percentage fees. This allows us to help policyholders in unique dispositions. 

We take pride in personally handling each and every insurance coverage dispute with great care and due diligence. Because we focus on insurance coverage disputes, we’re wise to the various strategies and tactics insurance companies use to avoid paying your claim, delay paying your claim or pay less than the fair value for your claim. That knowledge makes us well prepared to handle your insurance claim litigation. Insurance companies know that we won’t tolerate bad faith or unfair claim practices. There’s a reason we’re so passionate about defending people whose claims have been denied or underpaid.

Our practice has experienced unprecedented growth, and we’ve seen numerous referrals from satisfied clients who appreciate the care and personal attention we offer, as well as the generous awards we obtain for them. We have handled hundreds of cases, and our clients often receive substantially more money than the insurance companies first offered. Rather than going for the easy settlement, we will fight for the money and benefits to which you are entitled, and the insurance companies know it. We’ve seen too many cases where insurance companies will pay less than what is rightfully owed to their policyholders if they even pay at all. They’ll try to pay for patch and repair when they should be paying for replacement and restoration. Even though they know that the policyholder purchased coverage that entitles them to more the insurance companies pay less. You deserve better than that. Your home and your family deserve better than that.

Serving Justice

Insurance claim disputes can be messy, leaving a lot of policyholders confused about what approaches to take and how to properly pursue their claims. That’s why our law firm recommends hiring attorneys with experience in insurance claim disputes and litigation. A competent attorney is someone who has dealt with insurance claims similar to yours, a track record of successfully settling cases for their clients, and knows the tactics insurance companies use to delay, underpay, or deny your claims. It’s possible you could settle your case without an attorney, but you also run the risk of having your settlement underpaid, leaving you with more necessary repairs than you had initially anticipated. 

An attorney should:

Review your case

Your attorney should review your case thoroughly. This allows the attorney to collect all the necessary details to qualify you. 

Proper Discovery

No stone should be left unturned. What is the true value of the damage of your home or injuries? What are all your losses? 

Free case review

Fill out the quick form below to send your inquiry to our intake team. One of our dedicated team members will reach back out to you to review your case for free.

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Contact Us

You have faithfully paid your premiums so it’s only right that they faithfully pay your claim. If you want to get the coverage that you paid for, then it’s time to bring in legal professionals who are dedicated to policyholders like you and methodically go after your insurance companies for the coverage that you deserve. That’s where our legal team comes in. If you need an Insurance Lawyer, our team offers a free, no obligation case evaluation. It costs you nothing, and could potentially save you so much more when you get the help you deserve. 

Free case review.


Fill out the form below for a free case evaluation at zero cost and zero obligation. Talking to our staff and personal injury attorneys doesn’t create a legally binding contract and you don’t have to commit to working with us. We’ll review your case for free and see if we’re a good fit for each other.

Submitting this form does not create an attorney-client agreement. This Internet form is for communication purposes only. Do not send confidential and time-sensitive information through this form. Please do not solicit our firm.

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Contact information.

High Springs Office:

18420 High Springs Main Street
High Springs, Florida 32643

Jacksonville Office:

210 E. Forsyth Street
Jacksonville, Florida 32202

David Graham is a man of his word. Thank God we found him. He accepted our case after another Attorney frustratingly kept dropping the ball through a year of total inaction. David kept his promises, each and every one of them. He was and is totally proactive for his clients. He settled our case expeditiously and he and his associates put us and our needs first. We can only highly recommend David Graham and his team. Thank You, Mr. Graham!

Curtis Dwares