Guide to Filing a Tower Hill Home Insurance Claim in Plantation, Florida

If you live in Plantation, Florida, you’ve likely experienced your share of intense weather—hurricanes, lightning, and heavy rains are all part of the landscape. That’s why many homeowners trust Tower Hill Insurance to protect their homes. But when damage strikes, filing a claim isn’t always easy.

In this guide, we’ll walk you through how to handle a Tower Hill home insurance claim from start to finish. We’ll show you what to do first, how to avoid delays, and when it might be time to bring in legal help.

Understanding Tower Hill’s Role in Plantation

Tower Hill Insurance has served Florida for decades, offering tailored policies that reflect the unique risks of the state. In Plantation, policies are designed to cover windstorms, roof damage, water leaks, and other property risks that often result from subtropical weather.

Despite their reputation, many policyholders in Plantation experience hurdles when trying to collect on valid claims. Denials, delays, and underpayments are more common than many realize, especially when claims are not well-documented.

➡️ Understanding Your Insurance Rights

Key Coverages Typically Included in Tower Hill Policies

Most Tower Hill homeowners’ policies in Plantation contain:

• Dwelling Coverage – Repairs damage to the home’s structure

• Other Structures – Covers sheds, fences, or detached garages

• Personal Property – Protects furniture, appliances, and personal belongings

• Loss of Use – Pays for hotels and meals if your home is temporarily unlivable

• Liability Insurance – Covers injury or damage to others on your property

📌 Note: Many policies carry hurricane deductibles. These are often higher than standard deductibles and may surprise policyholders after a storm.

➡️ What’s Covered in a Hurricane Insurance Claim?

First Steps After Property Damage

When your Plantation home is damaged, your actions in the first 24–48 hours are crucial:

• Stay Safe: Evacuate if needed and turn off water or power if damage is severe.

• Take Photos and Videos: Get clear, time-stamped images of all affected areas.

• Prevent Further Damage: Cover holes, shut off leaking pipes, or board broken windows.

• Keep All Receipts: Any cost related to temporary repairs or hotel stays may be reimbursed.

• Report the Damage Quickly: Notify Tower Hill immediately—delays can reduce or deny coverage.

➡️ Tips for Managing Property Damage

Filing a Tower Hill Insurance Claim: Step-by-Step

Here’s how the claims process typically unfolds in Plantation:

Step 1: Notify the Insurer You can file a claim online or by phone. Be ready with your policy number, damage details, and any documentation.

Step 2: Inspection Tower Hill assigns an adjuster to inspect the damage. Be present to walk them through all affected areas.

Step 3: Compare Estimates It’s smart to get your own contractor estimates in addition to the insurer’s valuation.

Step 4: Review and Respond Tower Hill sends an offer. You can either accept it, dispute it, or request a supplemental claim if repair costs are higher than expected.

Step 5: Track All Communication Keep records of calls, emails, and letters. This helps if the claim is delayed or disputed later.

How Louis Law Group Can Support Plantation Homeowners

If you’re facing claim delays, denials, or bad offers in Plantation, Louis Law Group is ready to help. Our team knows how Tower Hill handles claims and how to protect your rights.

We help by:

• Interpreting your policy to reveal hidden coverage

• Handling paperwork and follow-ups

• Negotiating with the insurance company

• Pursuing legal action if needed

We support homeowners across South Florida and offer free consultations to help you understand your case.

FAQs

Q1: Can I file a claim if I didn’t notice the damage right away? Yes, but the longer you wait, the more the insurer may claim the damage wasn’t caused by a covered event. Always document as soon as possible.

Q2: Will filing a claim raise my premiums? Possibly. One claim may not trigger an increase, but multiple claims or large payouts could.

Q3: What if I don’t agree with Tower Hill’s repair estimate? You can hire your own contractor and file a supplemental claim with documentation to support the new amount.

Q4: Can I request a second inspection? Yes. If you believe the first adjuster missed damage or undervalued repairs, you can request a second look.

Q5: How long do I have to respond to a settlement offer? There’s no set deadline, but the sooner you act, the better. Delays could affect your ability to dispute or supplement the claim.

Conclusion

Dealing with Tower Hill home insurance claims in Plantation, Florida, doesn’t have to be stressful. By understanding your policy, taking the right steps after damage, and staying informed throughout the claim process, you can make sure your home—and finances—are protected.

Louis Law Group is proud to help Plantation homeowners fight for the coverage they’re entitled to. If your claim has been delayed, denied, or underpaid, don’t wait to take action.

Are you ready to take the next step in resolving your Tower Hill home insurance claim in Plantation?

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.