Hurricane damage
“They fought for us the whole time”
This association almost lost hope when their insurance company denied their claim after suffering significant hurricane damage.
Fred B. · ★★★★★ Client Review
Jacksonville, Florida
Start with what happened.
You do not need to know the legal category before reaching out. We help Jacksonville policyholders and injured people understand what comes next after insurance disputes, property damage, crashes, and serious injuries — never representing insurers.
★★★★★Client reviews
14 YearsRepresenting Policyholders
Policyholder-onlyNever insurers
Free case reviewsNo upfront cost
Practice areas
Choose the kind of help you need.
Most Jacksonville matters begin in one of these three areas. Choose the closest fit, or start a free review if you are unsure.
Injury
Auto
Property
Personal Injury
Accidents, falls, serious injuries, and the insurance recovery that follows harm.
View personal injury →Auto Accidents
Car, truck, and motorcycle crashes, including fault disputes, PIP, and injury claims.
View auto accidents →Property Damage
Denied, delayed, or underpaid property and insurance claims for policyholders — never insurers.
View property claims →Start with the problem
You do not have to diagnose the case.
Choose the problem that feels closest to what happened. It does not need to be exact; a free review can help clarify the issue and the next step.
Insurance
My claim was denied or underpaid.
Denied, delayed, disputed, or underpaid property and insurance claims for policyholders.
Review my case →Storm
A hurricane, wind, or hail event caused damage.
Storm, wind, and hurricane property losses, including underpaid or reopened claims.
Review my case →Water
A leak or flood caused damage.
Sudden leaks, pipe bursts, and water intrusion — and the coverage questions that follow.
Review my case →Mold
I found mold after water intrusion.
Mold claims often turn on the source of the damage, policy language, and timing.
Review my case →Fire / Roof
There is fire, smoke, roof, or structural damage.
Fire, smoke, roof, and structural losses, from documentation through the claim.
Review my case →Injury
I was hurt in a crash or injury incident.
Crashes, serious injuries, and complex care-related harm, including the insurance side.
Review my case →Local presence
A downtown Jacksonville office when you need clear direction.
Many reviews can begin by phone or online. If an in-person meeting becomes helpful, our downtown Jacksonville office is here.
Jacksonville Office
AddressDavid Graham Insurance Lawyers, P.A.
210 E Forsyth St
Jacksonville, FL 32202
210 E Forsyth St
Jacksonville, FL 32202
Phone(904) 454-7246
FocusInsurance disputes, property damage, and injury claims for policyholders — never insurers.
Insurance
Denied, delayed, disputed, or underpaid claims.
Damage
Storm, water, mold, fire, roof, and property losses.
Injury
Accidents, serious injuries, and complex care-related harm.
Video testimonials
Hear the story, not just the star rating.
Insurance claim
“The damage was significant.”
A bigger problem than they realized. Hear why clients trust us to handle their insurance claim disputes, even referring their own friends and family.
Melissa J. · ★★★★★ Client Review
Property damage
“The walls were buckling.”
She was forced to leave her home. The insurer caused extensive damage by condemning it — we got her compensated for her damages.
Julie K. · ★★★★★ Client Review
Timing matters
Florida deadlines change by claim type.
These are common starting points, not a substitute for legal advice. The safest next step is to let the firm review the facts, policy language, parties involved, and date of loss or injury.
Injury & negligence
Common Florida injury timing
Personal injury / negligenceTwo years for many claims that accrued after March 24, 2023; a longer period may apply before that date
~2 yrsAuto accident injuryNegligence claim after a crash; insurance notice and benefit issues can have separate timing
~2 yrsWrongful deathDeath caused by negligence or misconduct
~2 yrsMedical malpracticeDiscovery-based, with outside limits and exceptions
~2 yrsProperty & insurance
Common Florida property timing
Property damage lawsuitTwo years if the loss occurred after March 24, 2023; a longer period may apply before that date
~2 yrsNew or reopened claim noticePolicy notice for many claims is often tied to the date of loss
~1 yrSupplemental claim noticeOften treated differently from an initial claim
variesPolicy suit-limitation termsSome policies set their own separate deadlines
variesDo not guess the deadline. The correct limitations period can depend on the facts, policy language, cause of action, date of loss or discovery, defendant, notice rules, and exceptions such as tolling, minors, fraud, government entities, and pre-suit requirements. A free review helps identify what needs to be protected before time becomes the problem.
Deadline snapshot
Get a rough timing window before you wait too long.
This tool is intentionally conservative and educational. It uses the date you enter to show a rough deadline snapshot for common Florida claim types. Real deadlines can change based on policy language, discovery, tolling, notice, prior claim activity, government defendants, minors, fraud, and other facts.
Result
Choose a type and date.
The snapshot will appear here. Do not rely on this alone for a real claim deadline.
Planning references only. Based on current Florida statute concepts for common claim categories and must be attorney-reviewed before anyone relies on a date. This is not legal advice and does not create an attorney-client relationship.
What happens next
Three simple steps.
1
Tell us the basics.
A short explanation is enough to start. You can add photos, letters, estimates, and documents later.
2
We review the situation.
We look at the type of claim, urgency, documents, damage, injuries, and possible next steps.
3
You get clear direction.
If we can help, you will know what comes next. If not, you still leave with clearer direction.
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.
Jacksonville case review
Start with one conversation.
Tell us what happened, where it happened, and what has happened so far. The next step can be simple.
1Share how to reach you.
2Tell us the city and claim type.
3Add what happened and when.
Start here
Free Case Review
Areas served
Communities we help around Jacksonville.
You may not need to visit an office to begin. We also review matters from nearby Northeast Florida communities and connect them with the Jacksonville office when appropriate.
- Northeast FloridaClosest office: Jacksonville
- Orange Park, Ponte Vedra, St. Augustine, Atlantic Beach, Neptune Beach, and the Jacksonville Beaches.
- Nassau & Clay areasClosest office: Jacksonville
- Fernandina Beach, Middleburg, and surrounding communities.
Areas served are communities the firm may be able to help, not physical office locations. Whether we can assist depends on the state, facts, claim type, and attorney review.
Jacksonville FAQ
Questions before you reach out.
Clear answers about the Jacksonville office, partial approvals, what to bring, and the cost of an initial review.
Not necessarily. Many first conversations can start by phone or online. The downtown office simply gives local clients a clear place to connect with the firm.
Partial approvals can still leave major damage unpaid. If the estimate does not match the real scope of repairs, it may be worth having the claim reviewed.
Bring whatever you have: photos, letters, estimates, claim numbers, medical records, bills, reports, or notes. You do not need everything before reaching out.
Yes. Free case review. No upfront cost to find out whether we can help, and to understand what a next step could look like.
No. David Graham Insurance Lawyers, P.A. represents policyholders and injured people — never insurance companies. That focus is the same across every location.
Jacksonville case review
Start with what happened.
Tell us where the issue happened and what type of claim you have. We’ll help you identify a clear next step.