Suggestions for Navigating Tower Hill Insurance Claims in Pompano Beach

In a coastal city like Pompano Beach, property insurance is more than a formality—it's a lifeline. From hurricane-force winds to flood risks and roof leaks, local homeowners rely on insurers like Tower Hill Insurance Group to protect what matters most. However, the claims process can be challenging if you don’t know how to handle it strategically.

This guide shares smart suggestions for Pompano Beach homeowners to file, manage, and maximize their property damage claims with Tower Hill Insurance.

Evaluate Your Coverage Before You File

Before any damage occurs, take time to understand what your Tower Hill policy covers. Florida insurance policies often carry separate deductibles for hurricanes and may limit coverage on mold, water backup, or cosmetic roof damage.

Local Tip: Pompano Beach is in a high-risk hurricane zone, so check for windstorm and flood exclusions in your policy. Many homeowners need separate flood insurance through FEMA’s NFIP.

🔗 National Flood Insurance Program (NFIP)

Act Immediately After Discovering Damage

After a storm or property incident, time is of the essence. Delayed reporting could weaken your claim.

What You Should Do:

• Take date-stamped photos and videos of all affected areas

• Don’t throw away damaged materials until after inspection

• Make only temporary repairs (e.g., tarping a roof) to prevent further damage

🔗 [How to Prepare for a Property Insurance Claim]

File a Claim with Full Documentation

When reporting your claim to Tower Hill, include as much detail as possible. Be factual and avoid speculation.

Key Items to Provide:

• Description of what happened

• Photos/videos and inventory lists

• Copies of receipts or service estimates

• Any preventative measures taken

Florida law requires insurers to begin the investigation within 14 days of receiving your claim.

🔗 Florida Statute 627.70131 – Claims Handling Deadlines

Request a Fair Inspection — And Know Your Options

Tower Hill will assign a claims adjuster to inspect your home. But remember: their evaluation may favor the insurer’s interest.

Suggestions:

• Be present during the inspection

• Don’t sign any settlement paperwork on the spot

• You can bring in a public adjuster or contractor for a second opinion

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

Challenge a Denial or Lowball Settlement

If Tower Hill denies your claim or offers less than you need, don’t accept it without review. You can appeal or request a reinspection.

Take These Steps:

• Review the denial letter for specifics

• Provide new or supplemental evidence

• File a complaint with Florida’s Department of Financial Services if needed

🔗 [How to Appeal a Denied Property Damage Claim in Florida]

How Louis Law Group Can Help

At Louis Law Group, we support Pompano Beach residents who need help navigating claims with Tower Hill. Our legal team works to ensure you’re treated fairly throughout the process. We help you:

• Understand your policy’s fine print

• Strengthen and organize your claim

• Dispute denials or negotiate underpaid offers

We bring clarity and confidence to an otherwise confusing process.

🔗 What to Do When Your Insurance Claim Is Underpaid

Frequently Asked Questions (FAQ)

1. Is mold damage from water leaks covered by Tower Hill? It depends on the cause. Sudden leaks may be covered, but long-term or maintenance-related mold often isn’t.

2. What does ALE (Additional Living Expenses) cover? If your home is unlivable, ALE may reimburse hotel stays, meals, and relocation costs—if included in your policy.

3. Can I file a claim if my roof suffered only cosmetic damage? Some Tower Hill policies exclude cosmetic-only damage unless it impacts structural integrity. Always review your terms.

4. Can I reopen a claim if repairs reveal more damage? Yes, you can file a supplemental claim if new or hidden damage is discovered during the repair process.

5. Will filing a claim affect my policy renewal in Pompano Beach? Multiple or costly claims can raise your risk of non-renewal. However, insurers must give you proper notice per Florida law.

Conclusion

Pompano Beach homeowners face unique weather risks that require strong insurance protection—and a clear understanding of how to make that coverage work for them. By following these suggestions when filing a claim with Tower Hill Insurance Group, you’ll be better equipped to protect your home, finances, and peace of mind. If you're unsure about your next step, don’t hesitate to seek professional guidance.

Are you ready to take control of your insurance claim in Pompano 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.