Guide to Navigating Tower Hill Insurance Group Claims in Plantation, Florida

When your home in Plantation, Florida is damaged by wind, water, or storms, one of your first calls is likely to your homeowners insurance company. For many, that insurer is Tower Hill Insurance Group—a long-standing provider of property coverage throughout Florida.

Filing a claim can feel overwhelming, especially when you're dealing with repairs, inspections, and out-of-pocket costs. This guide offers a simple, step-by-step explanation of how to work with Tower Hill, track your claim, and handle problems if they arise. Whether you’ve just submitted your claim or are waiting for a response, these insights will help you stay in control.

Overview of Tower Hill Insurance Group in Plantation

Tower Hill Insurance Group offers several policy options for homeowners in Florida, including standard homeowners policies, hurricane coverage, and landlord protection. While the company has a solid reputation, some Plantation homeowners have reported communication issues, claim delays, or unclear denials.

What You Should Know:

• Policies vary based on your home type and coverage level.

• Tower Hill uses a third-party claims portal for some services.

• Most claims require a home inspection before payout.

• Communication often happens through assigned adjusters.

• Understanding these basics makes it easier to work with their process—not against it.

Why Filing and Managing Your Claim Matters

Many people think submitting the claim is the hard part—but what happens after can have just as much impact. If you don’t actively track your claim, you risk delays or receiving a payout that’s lower than expected.

Why Monitoring Your Claim Is Critical:

• Unnoticed issues can stall processing.

• Missing paperwork can lead to denials.

• Slow adjuster response can delay repairs.

If you live in Plantation, where summer storms are common, staying on top of your claim helps you avoid stress and protect your property investment.

Steps to File a Tower Hill Claim Efficiently

Here’s how to file your Tower Hill claim and start things off on the right foot:

Step 1: Document the Damage

Take clear photos and videos of the damaged areas. Include timestamps if possible. Also collect:

• Repair estimates

• Receipts for temporary fixes

• Police/fire reports if applicable

Step 2: Contact Tower Hill to Report the Loss

You can report claims by:

• Phone: 1-800-342-3407

• Online portal: https://www.thig.com

• Be sure to ask for your claim number and the name of your assigned adjuster.

Step 3: Upload Required Documents

Once your claim is submitted, you'll be asked to upload:

• Proof of loss form

• Photos and videos

• Any additional contractor quotes

Keep copies of all submissions in a separate folder for your records.

Step 4: Stay in Touch

• Set weekly reminders to follow up with your adjuster or the claims team. If there’s no movement after 10 days, escalate the issue to a supervisor.

What to Expect During the Claims Process

After you submit your claim, here’s what typically happens:

Initial Review Your adjuster will assess the basic details of your claim and may request an in-person inspection.

Inspection An adjuster visits your home to inspect the damage and create a detailed report.

Evaluation The report goes to Tower Hill’s claim reviewers, who compare it to your policy terms.

Decision You receive a payment offer, request for more documentation, or denial notice.

Learn how to respond to a claim denial with this helpful resource: 👉 What to Do If Your Insurance Claim Is Denied

Common Issues with Tower Hill Claims and How to Resolve Them

Even when you follow all the steps, problems can still occur. Here are the most common issues—and how to fix them:

Problem 1: Lack of Response

• You haven’t heard back in weeks, even after submitting everything.

Solution:

• Call customer service and ask to speak with a supervisor. Follow up by email with documentation to create a paper trail.

Problem 2: Low Settlement Offer

• The payout is significantly lower than the cost to repair your home.

Solution:

• Submit contractor quotes and ask for a re-evaluation. If they refuse to negotiate, consider legal support.

Problem 3: Denied Claim Without Explanation

• You receive a denial letter, but it lacks a clear reason.

Solution:

• Request a full breakdown in writing. Review your policy’s terms to check for misapplication. For deeper help, read: 👉 Understanding Florida Property Damage Claims

How Louis Law Group Can Help with Tower Hill Claims in Plantation

If you’ve hit a wall with your Tower Hill claim—whether from delays, poor communication, or underpayment—you’re not alone. Many Plantation homeowners face the same issues.

At Louis Law Group, we help you:

• Review and interpret your insurance policy

• Communicate directly with your insurer

• Appeal denied or underpaid claims

• Pursue legal action if necessary to secure fair compensation

Our legal team has extensive experience dealing with Tower Hill Insurance Group and understands the nuances of Florida law.

FAQs About Tower Hill Insurance Group in Plantation

Q1: How long does it take to receive payment after filing a claim? A: It varies, but most claims are processed within 30–60 days. However, delays are common if documents are missing.

Q2: Can I track my claim online? A: Yes. Tower Hill’s portal allows you to check claim updates and upload documents.

Q3: What if I don’t agree with the settlement offer? A: You can challenge the offer by submitting additional proof or getting help from an insurance attorney.

Q4: Does Tower Hill cover hurricane damage? A: Yes, if your policy includes windstorm or hurricane protection. Always confirm the details in your specific policy.

Q5: How soon should I contact a lawyer if I’m unhappy with my claim? A: If it’s been more than 30 days without resolution or your offer is too low, contact a lawyer right away to avoid missing deadlines.

Conclusion

Working with Tower Hill Insurance Group in Plantation can be a smooth process—if you stay proactive, organized, and informed. By following these steps, you can avoid delays, resolve issues, and ensure that your home repairs are handled fairly and efficiently. But if your claim hits a roadblock or feels unfair, Louis Law Group is here to help you move forward with confidence and clarity.

Have you taken all the right steps to protect your claim and your property?

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.