Guidance for Managing Tower Hill Insurance Claims in Miami Beach

Living in Miami Beach brings scenic views and ocean breezes—but also heightened risks of flooding, hurricanes, and tropical storms. If you’re insured by Tower Hill Insurance Group, understanding how to manage your property claim is crucial to getting the financial support you need after damage.

In this guide, we provide a step-by-step approach to handling Tower Hill claims specific to Miami Beach homeowners—along with helpful resources, red flags to watch out for, and what to do if your claim gets denied.

Tower Hill Coverage Types Common in Miami Beach

Tower Hill offers various coverage options tailored to coastal Florida, such as:

• Homeowners and high-value dwelling policies

• Flood insurance (via NFIP or endorsement)

• Windstorm and hurricane coverage

• Loss of use and temporary housing reimbursements

Given the unique exposure in Miami Beach to storm surge, saltwater intrusion, and condo-specific damages, policyholders should carefully review exclusions and hurricane deductibles.

How to File and Track a Tower Hill Claim in Miami Beach

1. File Promptly and Accurately

• Go to https://www.thig.com or call 📞 800-342-3407

• Provide policy number, time/date of damage, and loss details

2. Take Detailed Records Before cleanup or repairs:

• Photograph all damage

• Record videos of both interior and exterior

• Keep receipts from temporary repairs or emergency mitigation

3. Monitor Progress Online Tower Hill’s customer portal lets you:

• Track adjuster appointments

• Upload repair invoices and estimates

• Check payout statuses or document requests

If the portal isn’t updating, follow up by phone and email.

What to Do If Your Claim Is Denied or Delayed

Tower Hill must act within 14 days of claim submission to acknowledge receipt, and issue a decision within 90 days, per Florida law.

If you don’t hear back, or you get a denial or lowball offer, try the following:

• Ask for written justification for any denial

• Submit new documentation with contractor support

• Request a reinspection or claim reassessment

• Contact the Florida DFS to open a consumer complaint

How Louis Law Group Helps Miami Beach Residents

When you’ve done everything right but still face obstacles, Louis Law Group is here for Miami Beach homeowners.

We can:

• Review your Tower Hill denial or underpayment

• Reopen closed claims with fresh documentation

• Represent you in legal action if necessary

Explore our guide: Signs of a Bad Faith Insurance Denial

Frequently Asked Questions

Is hurricane wind damage always covered? Not always. Some policies separate windstorm from standard coverage. Make sure your Tower Hill policy includes a hurricane endorsement and check your deductible.

What’s considered “additional living expenses” (ALE)? If your Miami Beach home becomes unlivable, Tower Hill may reimburse you for hotel stays, rental costs, and meals. Save all receipts and verify ALE coverage.

Can I dispute an estimate that’s too low? Yes. You have the right to submit your own contractor estimates and request a second inspection. You can also file a supplemental claim if repair costs rise.

Is water damage from a condo neighbor covered? It depends on your individual condo policy. If the master HOA policy doesn’t cover your unit’s interior, you may need to file under your own Tower Hill plan.

Conclusion

Filing a claim with Tower Hill Insurance Group in Miami Beach should result in the support you need—not stress and frustration. By documenting your loss, checking your policy closely, and knowing when to push back, you increase your chances of a successful claim outcome.

And if the process becomes too difficult to manage, Louis Law Group is here to support Miami Beach residents every step of the way—from policy reviews to legal representation.

Are you confident your Tower Hill claim is being handled fairly—or is it time to ask for help?

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.