Best Practices for Handling Property Claims with Tower Hill Insurance Group in West Palm Beach

If you’re a homeowner in West Palm Beach, Florida, having reliable property insurance is a must. Tower Hill Insurance Group is one of the most common insurance providers in the area, offering protection against hurricane damage, roof leaks, water intrusion, and more. But when disaster strikes, getting your claim paid promptly and fairly isn’t always easy.

This article outlines best practices for filing, managing, and resolving a property insurance claim with Tower Hill Insurance Group—designed specifically for West Palm Beach residents.

Understand Your Policy and Coverage Terms

Before damage occurs, take time to review your Tower Hill policy. Policies can differ greatly in how they define covered events, deductibles, and limitations.

Key Areas to Review:

• Windstorm coverage and hurricane deductibles

• Water damage exclusions (e.g., seepage, mold)

• Roof damage and cosmetic exclusions

• Additional Living Expenses (ALE) coverage

🔗 Florida Office of Insurance Regulation – Homeowners Policy Checklist

File Your Claim Promptly and Accurately

In Florida, you’re typically required to report damage “promptly”, though that term isn’t always clearly defined. A good rule: report within 1–3 days of discovery.

What to Include in Your Claim:

• Policy number and personal info

• Detailed description of the loss

• Evidence such as photos, video, and repair estimates

• Any temporary mitigation actions you've taken

🔗 Tower Hill Insurance Claims Center

Request a Fair Adjustment — And Know Your Rights

Tower Hill will likely assign a field adjuster to inspect the property. However, remember that adjusters work for the insurance company, not you.

You Have the Right To:

• Hire a public adjuster to offer a second opinion

• Get a contractor’s independent damage estimate

• Dispute low offers or request supplemental claims

🔗 [Should You Hire a Lawyer or Public Adjuster?]

Handle Denials and Delays Strategically

Even well-documented claims can be denied or delayed. If this happens, don’t panic—Florida law gives you options.

What You Can Do:

• Request a full written explanation of the denial

• File a complaint with the Florida Department of Financial Services

• Speak to an attorney if the denial seems unfair or improper

🔗 File a Complaint – Florida Department of Financial Services

How Louis Law Group Can Help

At Louis Law Group, we’ve helped West Palm Beach homeowners just like you navigate complex insurance disputes with Tower Hill. Whether you’re facing delays, denials, or underpaid claims, we provide legal guidance that gets results. We assist with:

• Policy interpretation and claim review

• Preparing appeals and dispute documentation

• Communicating directly with Tower Hill on your behalf

🔗 [Understanding Denied Property Claims in Florida]

Frequently Asked Questions (FAQ)

1. How long does Tower Hill have to pay my claim in West Palm Beach? Florida law requires insurers to pay or deny a claim within 90 days of notice, unless there are extenuating circumstances.

2. Can I reopen a Tower Hill claim if new damage is discovered later? Yes, supplemental claims can be filed for overlooked or additional damage, as long as it’s within the statute of limitations.

3. What if I can’t afford immediate repairs after a loss? Tower Hill may offer advance payments on covered claims, especially for temporary living or urgent repair costs.

4. Is wind damage always covered in West Palm Beach? Only if your policy includes windstorm coverage. In some areas of Florida, including coastal cities like West Palm Beach, separate windstorm coverage is required.

5. Can I be dropped by Tower Hill after filing a claim? Florida law allows non-renewal for certain conditions, but not as immediate retaliation for filing a legitimate claim. Still, frequent or large claims may raise your risk.

Conclusion

Dealing with property damage is stressful—but navigating your insurance claim doesn’t have to be. If you're insured with Tower Hill in West Palm Beach, knowing your rights and following these best practices can improve your chances of getting the compensation you deserve. If you’re uncertain at any step, professional legal guidance is always an option.

Are you prepared to protect your property and your rights when the next storm hits West Palm Beach?

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.