Insights on Working With Tower Hill Insurance Group in Lakeland

If you own a home in Lakeland, Florida, you’re likely familiar with the importance of having solid homeowners insurance—especially with the state’s frequent storms, floods, and unpredictable weather. One of the more recognized names in Florida is Tower Hill Insurance Group, which offers property insurance for homeowners across the state, including right here in Polk County.

But how well do you understand your policy, the claims process, or your rights when issues arise? This article offers actionable insights for Lakeland homeowners working with Tower Hill.

What Tower Hill Offers in Lakeland

Tower Hill provides a range of coverage options that can include:

• Homeowners (HO-3) insurance

• Condo and renters insurance

• Flood coverage via NFIP partnerships

• Hurricane and windstorm endorsements

Because Lakeland is inland—but still prone to severe storms—many residents combine windstorm and flood policies to close common coverage gaps.

Filing a Claim With Tower Hill in Lakeland

If your property is damaged, here’s a streamlined approach to filing and monitoring a claim:

Step 1: File Promptly

You can file a claim by visiting https://www.thig.com or calling 📞 800-342-3407. Be prepared with:

• Your policy number

• The date of loss

• A brief description of the damage

Step 2: Document Everything Before any cleanup or repair:

• Take photos and video of the damage

• Save damaged materials (e.g., shingles, pipe sections) if possible

• Keep all receipts for emergency services

Step 3: Track Your Claim Status Tower Hill provides a customer portal where you can view:

• Assigned adjuster information

• Required documents

• Inspection schedules

• Payment progress

If status updates are unclear or delayed, follow up in writing and request a timeline for resolution.

When to Seek Legal Help in Lakeland

If you're facing:

• Unexplained delays in payment

• Low settlement offers not matching your repair costs

• Denials based on vague policy terms

• Claim marked “closed” without resolution

External and Local Support Resources

Polk County Emergency Management https://www.polk-county.net/emergency-management Use this to report disaster impacts and coordinate resources.

Florida Department of Financial Services (DFS) https://www.myfloridacfo.com File complaints or check insurance provider history.

National Flood Insurance Program (NFIP) https://www.floodsmart.gov Confirm what’s covered under separate flood policies.

How Louis Law Group Supports Lakeland Policyholders

Louis Law Group has proudly helped Lakeland residents get fair treatment from insurance companies like Tower Hill. Whether it’s a hurricane-related roof claim, interior water damage, or dispute over policy exclusions, we can:

• Review your denial or low payout

• Negotiate directly with Tower Hill adjusters

• File a lawsuit if necessary to recover full compensation

Explore related guide: How to File a Property Damage Insurance Claim

Frequently Asked Questions

Does Tower Hill cover roof replacement in Lakeland? Yes, but only if the damage is sudden and not from wear and tear. A licensed roofer’s inspection can support your case.

Can I appeal a Tower Hill claim denial? Absolutely. You can submit additional documentation or request a reinspection. You also have the right to legal representation at any time.

What if my Tower Hill adjuster stops responding? Contact customer service to escalate the case. You can also file a complaint with Florida’s DFS for lack of communication.

Are supplemental claims allowed with Tower Hill? Yes. If new damage is discovered or initial repairs cost more than expected, you can file a supplemental claim with updated estimates.

Conclusion

Navigating the Tower Hill Insurance claims process in Lakeland doesn’t have to be overwhelming. With a proactive approach, documented evidence, and awareness of your policy, you can better manage delays and avoid disputes. And when things stall, professional support can make all the difference.

Louis Law Group is here to help Lakeland homeowners stand up to claim denials, underpayments, or policy confusion—and fight for the resolution they deserve.

Are you prepared to take control of your insurance claim today?

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.