Policyholder Advocates · FL & TN

Standing up for those who can't.

When your insurer denies, delays, or underpays your claim — we level the playing field. No fees unless we recover money for you.

Get a Free Case Review Call (423) 977-PAIN
TR
MH
FB
★★★★★
5-star rated on Google
David Graham, Esq.
Founder & Lead Attorney
No Win, No Fee Est. 2012
Tens of
Millions
Recovered for clients
5★
Google rating
0%
Fee unless we win
FL+TN
Licensed states

⁎ Past results do not guarantee a similar outcome. Results vary depending on the specific facts and legal circumstances of each case.

Free case review

Tell us about your claim.

Tell us the basics. Our team reviews every submission and contacts you within 24 hours with a straight answer about your options.

No upfront fees — ever
Attorney-client privilege applies
We never represent insurance companies
Licensed in Florida & Tennessee
★★★★★

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
★★★★★

David personally met me and agreed to take my case. He and Thomas did an amazing job fighting a huge insurance company. If you’re looking for a lawyer who cares about his clients and less about making a buck, this man is your choice.

Shawn L.· Google Review
★★★★★

David was compassionate, caring, and he will fight hard for you. They stayed on top of my case and took care of me. Laura is amazing as well — a true gem! If you want someone who cares to represent you, call David.

Hannah L.· Google Review
★★★★★

David Graham is a hard fighting attorney that does not back down. If you want a lawyer who will hold accountable an insurance company that refuses to pay, then you are in luck. He’s my kind of lawyer.

Terri O.· Google Review
Start Your Free Review
Answer a few quick questions and we'll be in touch.
Step 1 of 5 Claim Type

What type of claim do you have?

Hurricane / Wind
Fire / Smoke
Water / Flood
Auto Accident
Homeowners
Commercial
Bad Faith
Other / Denied

What is the current status of your claim?

Formally denied by insurer I received a denial letter or official decision
Severely underpaid Insurer offered far less than the actual damage
Delayed with no resolution Claim has been open for an unreasonable amount of time
Partially paid / disputed Some payment made but coverage is being contested
Not yet filed I have damage but haven't submitted a claim yet

When did the damage or incident occur?

Within the last 6 months
6–12 months ago
1–3 years ago
More than 3 years ago
Not sure

What is the approximate value of your loss or disputed amount?

Under $10,000
$10,000 – $50,000
$50,000 – $150,000
$150,000 – $500,000
Over $500,000
Not sure / need assessment

Almost done — where can we reach you?

We've got your case.

A member of our legal team will review your submission and reach out within 24 hours. No fees, no obligation — just straight answers.

Rather call now? (423) 977-PAIN

The process

Three steps to getting what you're owed.

We've built a streamlined system so you can focus on recovery — we handle the legal battle against your insurer.

Step 01
Review Your Case

Submit your claim at zero cost. We review your policy and tell you exactly where you stand and what options you have against your insurer.

Step 02
We Build Your Strategy

If your claim is a fit, our attorneys get to work — building a strategy tailored to your case, whether a denial, underpayment, or bad faith dispute.

Step 03
Fight for Your Payout

We negotiate aggressively and litigate when needed. You pay nothing unless we recover money — our fee comes from the settlement, not your pocket.

Client stories

Hear from clients who fought back and won.

Real people. Real claims. Real results. Watch how our clients went from denied to compensated for their damages.

★★★★★

This association almost lost hope when their insurance company denied their claim after suffering significant hurricane damage.

FB
Fred B. — HOA President
Jacksonville, FL · Hurricane Claim
★★★★★

A bigger problem than they realized. Hear why clients trust us to handle their insurance claim disputes, even referring their own friends and family.

MJ
Melissa J.
Jacksonville, FL · Hurricane Claim
★★★★★

She was forced to leave her home. The insurer caused extensive damage by condemning it — we got her compensated for her damages.

JC
Julie C.
Jacksonville, FL · Hurricane Claim

⁎ Results depicted in client testimonials are based on specific facts and circumstances. Individual results will vary depending on the facts of your case. Past results do not guarantee a similar outcome.

What we handle

Every type of insurance dispute.

If an insurance company is standing between you and a fair payout, we get involved. We exclusively represent policyholders — never insurers.

Hurricane & Wind

Denied or underpaid storm damage — roof, structure, and interior.

Review My Case →
Fire & Smoke

Total loss and partial fire damage claims wrongly denied.

Review My Case →
Water & Flood

Mold, pipe bursts, leaks — fought and settled on your behalf.

Review My Case →
Auto Accidents

Personal injury and property damage from crashes and uninsured drivers.

Review My Case →
Homeowners

All-perils policies, loss of use, and additional living expenses.

Review My Case →
Commercial Property

Business interruption, building damage, and liability disputes.

Review My Case →
Bad Faith Claims

When your insurer acts in bad faith — we hold them accountable.

Review My Case →
Denied Claims

Any wrongly denied policy claim across all coverage types.

Review My Case →
Auto accident tips

After an accident,
do this first.

The steps you take immediately after an accident directly affect your claim.

Call police and file a report on scene.
Do not apologize or admit fault.
Photograph vehicles, damage, and scene.
Seek medical attention immediately.
Collect witness names and contact info.
Keep a daily journal of your symptoms.
Avoid discussing case on social media.
Call us before any recorded statement.
Frequently asked questions

Have questions?
We have answers.

Do I have to pay anything upfront?
+
No. We work on a contingency fee basis — meaning you pay nothing unless we recover money for you. Our fee comes from the settlement or judgment, not your pocket.
What if my claim was already denied?
+
A denial is not the end of the road. We frequently reverse insurer denials by identifying improper claim handling, policy misinterpretations, and bad faith practices.
How long will my case take?
+
Every case is different. Simple disputes may resolve in months; complex litigation can take longer. We keep you informed at every stage and work as efficiently as possible.
Do you handle commercial property claims?
+
Yes. We represent business owners, condo associations, HOAs, and commercial property holders in disputes involving denied claims and business interruption losses.
Are you licensed in Tennessee?
+
Yes. We are licensed in both Florida and Tennessee, with an office in Cleveland, TN serving the greater Chattanooga and Knoxville markets.
David Graham, Insurance Attorney
Law Degree
Liberty University School of Law
Firm Founded
David Graham Insurance Lawyers, P.A. — 2012
Offices In
Florida & Tennessee
Practice Focus
Exclusively policyholders — never insurers
Meet your attorney

David Graham, Esq.

I've seen firsthand what happens when insurance companies treat policyholders as a number instead of a person. My job is to make sure that changes.

— David Graham, Esq.

David Graham is a reputable insurance attorney providing legal services to clients across Florida and Tennessee. He earned his law degree from Liberty University School of Law and established David Graham Insurance Lawyers, P.A. in 2012 with a singular aim: representing policyholders in cases involving unfair claim settlements.

Through more than a decade of experience, David has observed firsthand the neglect that policyholders face at the hands of their insurance companies — and built his firm specifically to fight back. Driven by a strong sense of justice, he has dedicated his practice to advocating for those facing challenging claim disputes involving delayed, underpaid, or outright denied claims.

Unlike firms that work both sides, David Graham Insurance Lawyers, P.A. exclusively represents policyholders — never insurance companies. That singular focus means your interests are always the only interests in the room.

Work With David →
Ready to fight back?

Submit your case for a free review.

No fees. No obligation. Just a straight answer from attorneys who only represent policyholders.

Call (423) 977-PAIN Submit Online →
Jacksonville FL · High Springs FL · Cleveland TN  ·  Serving all of Florida & Tennessee
Get in touch

Get help from a legal professional today.

Submit your case online or call us — a member of our legal team will contact you within 24 hours.

Phone
(423) 977-PAIN
Mon–Fri, 8am–6pm ET
Email
help@dginslaw.com
Response within 24 hours
Offices
Florida
210 E Forsyth St, Jacksonville, FL 32202
18420 High Springs Main St, High Springs, FL 32643

Tennessee
1080 Montgomery Ave NE, Cleveland, TN 37311
Website
davidwinsagain.com
Also at davidgrahaminsurancelaw.com
Full Case Submission
Tell us everything — we'll take it from here.
No upfront fees · Attorney-client privilege applies · We never represent insurance companies