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
Cleveland, Tennessee
Start with what happened.
You do not need to know the legal category before reaching out. We help Cleveland policyholders and injured people understand what comes next after insurance disputes, property or fire 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 Cleveland matters begin in one of these three areas. Choose the closest fit, or start a free review if you are unsure.
Injury
Auto & truck
Property
Personal Injury
Accidents, falls, serious injuries, and the insurance recovery that follows harm.
View personal injury →Auto & Truck Accidents
Car, truck, and motorcycle crashes, including fault disputes and injury claims along the I-75 corridor.
View auto & truck →Property & Fire Damage
Denied, delayed, or underpaid property, fire, and storm 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 wind, hail, or storm event caused damage.
Storm, wind, and hail property losses, including underpaid or reopened claims.
Review my case →Fire
There was a fire or smoke loss.
Fire and smoke property losses, from documentation through the insurance claim.
Review my case →Water / Roof
A leak, water, or roof issue caused damage.
Sudden leaks, water intrusion, and roof damage — and the coverage questions that follow.
Review my case →Auto / Truck
I was in a car or truck crash.
Car and truck crashes on I-75, US-64, and area roads — fault, injuries, and the insurance side.
Review my case →Injury
I was seriously injured.
Serious injuries and complex care-related harm, including the insurance recovery that follows.
Review my case →Local presence
A local Cleveland office when you need clear direction.
Many reviews can begin by phone or online. If an in-person meeting becomes helpful, our Cleveland office is here.
Cleveland Office
AddressDavid Graham Insurance Lawyers, P.A.
1080 Montgomery Ave NE
Cleveland, TN 37311
1080 Montgomery Ave NE
Cleveland, TN 37311
Phone(423) 977-7246
FocusInsurance disputes, property and fire damage, and injury claims for policyholders — never insurers.
Insurance
Denied, delayed, disputed, or underpaid claims.
Damage
Fire, storm, water, roof, and property losses.
Injury
Auto and truck crashes, serious injuries, and 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
Tennessee deadlines change by claim type.
Tennessee's personal injury deadline is among the shortest in the country — often just one year. These are common starting points, not legal advice. The safest next step is to let the firm review the facts, policy language, parties, and date of loss or injury.
Injury & negligence
Common Tennessee injury timing
Personal injury / negligenceOften one year from the injury under Tenn. Code § 28-3-104 — one of the shortest deadlines in the country
~1 yrAuto & truck accident injuryGenerally the one-year injury period; a related crash charge can sometimes extend it
~1 yrWrongful deathGenerally one year under Tenn. Code § 20-5-113, usually from the date of death
~1 yrMedical malpracticeOne-year discovery with a three-year outer limit under Tenn. Code § 29-26-116
~1 yrProperty & insurance
Common Tennessee property timing
Property damage lawsuitGenerally three years from the damage under Tenn. Code § 28-3-105
~3 yrsInsurance policy suit-limitationFire and property policies often set their own separate deadline, sometimes as short as one year
variesClaim notice & proof of lossPolicy terms often require prompt notice after a loss
variesGovernment claims (GTLA)Claims against government entities can require notice within about 12 months
~12 moDo 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, criminal charges, 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 Tennessee claim types. Real deadlines can change based on policy language, discovery, tolling, notice, government defendants, minors, criminal charges, 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 Tennessee 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.
Cleveland 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 Cleveland.
You may not need to visit an office to begin. We also review matters from nearby Southeast Tennessee communities and connect them with the Cleveland office when appropriate.
- Southeast TennesseeClosest office: Cleveland
- Chattanooga, Athens, Dayton, Ooltewah, Collegedale, and Charleston.
- Bradley & nearby countiesClosest office: Cleveland
- Benton, Etowah, and surrounding Bradley and Hamilton County 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.
Cleveland, TN FAQ
Questions before you reach out.
Clear answers about the Cleveland office, timing, partial approvals, and what to bring to a review.
Yes. The Cleveland office is at 1080 Montgomery Ave NE, Cleveland, TN 37311, and you can call (423) 977-7246. Many first conversations can also start by phone or online.
Sooner is safer. Tennessee's injury deadline is often just one year — among the shortest in the country — while property claims are commonly longer, and insurance policies can set their own separate deadlines. A free review helps identify what needs to be protected.
Partial approvals can still leave major damage unpaid. If the estimate does not match the real scope of repairs after a fire, storm, or water loss, 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.
No. David Graham Insurance Lawyers, P.A. represents policyholders and injured people — never insurance companies. That focus is the same across every location.
Cleveland 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.