★★★★★
"They explained everything without making me feel rushed."
Sarah M. · Google Review
Insurance & Injury Lawyers
JusticeAgainstGiants
When an insurance company delays, denies, or underpays a claim—or an accident leaves you injured—we help you understand your options and take the next step.
Policyholders onlyNever insurers
Since 2012Serving FL & TN
Three officesFL & TN
Free case reviewsNo upfront cost
How we help policyholders
Legal help when an insurance claim or injury becomes a fight.
Whether the loss affects your home, business, health, or ability to work, choose what happened to find the closest city or statewide path.
Property
Property Damage
Denied, delayed, or underpaid residential and commercial property claims, including disputed repair scope.
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Property Damage
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Storm
Storm & Hurricane
Wind, roof, rain, interior water, underpaid estimates, and disputed storm-damage claims.
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Storm & Hurricane
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Fire
Fire Damage
Coverage disputes after structure fires, smoke damage, contents loss, and business interruption.
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Fire Damage
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Water
Water & Mold
Burst pipes, leaks, remediation disputes, and mold-related property claims the insurance company resists.
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Water & Mold
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Injury
Personal Injury
Accident claims involving disputed fault, serious injuries, medical records, and low settlement offers.
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Personal Injury
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Auto
Auto Accidents
Car and truck crashes, disputed fault, medical causation, insurance calls, and low settlement offers.
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Auto Accidents
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Find the right page
Find the right page in three quick steps.
Answer three quick questions and we will point you to the page built for your state, city, and type of claim.
Why claims stall
Your loss is personal. The insurance process is not.
While you are dealing with damage or an injury, the insurance company is already documenting the claim. Its goal may be to narrow coverage, minimize the value of the loss, or settle before the full impact is known.
01
Coverage questioned
Policy language, exclusions, and conditions are read narrowly to argue the loss is not covered — or is only partly covered.
02
Value minimized
Estimates, depreciation, and scope of repair are set low, and the full extent of damage or injury is treated as an overstatement.
03
Claim delayed
Requests for more documents, repeated inspections, and slow responses wear down the timeline while pressure to settle builds.
04
Early offer
A settlement is offered before the true cost of repair, treatment, or long-term impact is fully known.
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.
Client stories
What clients valued along the way.
Every claim is different. These stories reflect the clarity, communication, and steady guidance clients valued during difficult insurance disputes.
Property claimProperty claim
"They took over when the carrier stopped answering."
Clear communication can help a policyholder understand the records, the coverage questions, and the decisions ahead without feeling lost in the process.
Michael R. · ★★★★★ Client Review
Office locations
Offices in Florida and 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.
Free case review
Tell us what happened. We'll help you find the path forward.
Share a few details about your claim or injury — the type of loss, where and when it happened, and what the insurance company has said so far. Bring what you have; a case 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
Bad-faith and lowball settlement offers
Help before you sign or give a statement
Start here
Free Case Review
Questions before you call
What policyholders ask first.
A delay can be a sign that a claim needs follow-up, additional documentation, or legal review. A free case review can help you understand whether the delay is routine or a sign of a larger problem.
We look at the type of loss or injury, the policy or insurance status, the timeline, the damages, and what may need to happen next — at no upfront cost to find out whether we can help.
No. David Graham Insurance Lawyers, P.A. represents policyholders and injured people only — never insurance companies. That focus shapes how every claim is handled.
Before signing a release or accepting a final payment, it is worth making sure the damage, repair scope, policy benefits, deadlines, and any injury have been fully reviewed. A review can help you understand what an offer may affect.
We have offices in Jacksonville and High Springs, Florida, and Cleveland, Tennessee, and we serve surrounding areas across both states — remotely where there is no local office.
Yes. We review denial letters, policy language, inspection findings, photos, estimates, and communications with the insurance company to determine the best next step for your situation.
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