Best Practices for Filing a Tower Hill Home Insurance Claim in Boca Raton, Florida

Boca Raton is a beautiful coastal city with upscale homes, sunny weather, and unfortunately—frequent property risks like hurricanes, lightning, and wind damage. That’s why many homeowners turn to Tower Hill Insurance for protection. But when the time comes to file a claim, it’s not always smooth sailing.

This article explains the best practices for filing a Tower Hill insurance claim in Boca Raton, helping you avoid common mistakes, document your losses properly, and know when to seek professional help.

Why Boca Raton Homeowners Choose Tower Hill

Tower Hill is a trusted name in Florida’s insurance market. Their policies are customized for the state’s weather patterns and are popular in Boca Raton neighborhoods where storm damage and coastal issues are concerns.

While the coverage may be reliable, the claims process can sometimes be slow or confusing. That’s why understanding how to prepare, file, and follow up is critical.

➡️ Read: What to Expect from Your Home Insurance Claim

What’s Typically Covered Under a Tower Hill Policy

In Boca Raton, Tower Hill home insurance policies may include:

• Dwelling coverage – Protects the physical structure of your house

• Other structures – Covers detached garages, fences, sheds, and pool enclosures

• Personal property – Includes electronics, furniture, clothing, and valuables

• Loss of use – Pays for hotel stays and extra expenses if your home becomes uninhabitable

• Personal liability – Helps cover injuries or damage to others while on your property

📝 Keep in mind: Most Tower Hill policies exclude flood damage unless you’ve purchased separate flood insurance through the NFIP (National Flood Insurance Program).

Key Actions to Take Right After Property Damage

If your home in Boca Raton is damaged by a storm, pipe burst, or fire, follow these critical steps:

• Protect Yourself and Your Property: Evacuate if needed and make temporary repairs to prevent further damage.

• Document Everything: Take clear, date-stamped photos or videos of all damaged areas, inside and out.

• Keep Receipts: Save receipts for hotel stays, cleanup costs, and materials used for emergency repairs.

• Report the Claim Promptly: Notify Tower Hill as soon as possible to comply with your policy terms.

• Get a Licensed Contractor’s Estimate: Don’t rely only on the insurer’s adjuster to assess repair costs.

The Claim Process with Tower Hill: A Simple Walkthrough

Step 1: Submit Your Claim You can file by phone, online, or through the Tower Hill mobile app. Be ready with your policy number and description of what happened.

Step 2: Property Inspection Tower Hill sends an adjuster to evaluate the damage. Be present and share your own evidence.

Step 3: Review and Response Tower Hill will issue a repair estimate or payment offer. This may or may not match your contractor’s quote.

Step 4: Accept or Dispute You can accept the payment, negotiate, or file a supplemental claim if costs are higher than expected.

How Louis Law Group Helps with Insurance Claims in Boca Raton

At Louis Law Group, we work with Boca Raton homeowners to resolve:

• Underpaid insurance claims

• Wrongful denials

• Delayed claim payments

• Policy interpretation disputes

We guide you through the process, review your policy, and speak directly with the insurer on your behalf. Our legal team has the experience to fight for the settlement you’re owed—and we don’t get paid unless you win.

➡️ Why You Need a Property Damage Lawyer in Florida

FAQs About Tower Hill Claims in Boca Raton

Q1: How long does Tower Hill have to settle my claim? Florida law gives insurers up to 90 days to pay or deny claims after receiving all documentation.

Q2: Will filing a claim raise my premium? Possibly. One claim may not have a big impact, but multiple claims or claims from natural disasters could affect renewal decisions.

Q3: Can I hire my own adjuster? Yes, a public adjuster or insurance attorney can help you get a fair settlement if you feel Tower Hill’s adjuster undervalued your claim.

Q4: Can I reopen a claim after receiving payment? Yes, through a supplemental claim, especially if additional damage is found or repairs cost more than expected.

Q5: What if Tower Hill blames me for the damage? You have the right to challenge their findings. Provide evidence, hire an expert, or consult a lawyer if needed.

Conclusion

Tower Hill Insurance plays an important role in protecting homes in Boca Raton, but filing a claim isn't always simple. By taking the right steps from the start—documenting damage, staying proactive, and knowing your rights—you can avoid delays and recover more quickly.

If your claim is denied, underpaid, or left unresolved, Louis Law Group is here to support Boca Raton homeowners and help ensure your insurer honors the policy you paid for.

Are you confident your Tower Hill claim is being handled fairly and efficiently in Boca Raton?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.