Guide to Filing a Property Insurance Claim with Tower Hill Insurance Group in Palm Bay

Living in Palm Bay, Florida, comes with the beauty of coastal living—and the reality of storm season and water-related property risks. Many homeowners trust Tower Hill Insurance Group to protect their homes, but when damage strikes, navigating the claims process can feel overwhelming. This guide offers practical, easy-to-follow steps to help Palm Bay residents confidently file property damage claims with Tower Hill and secure fair compensation.

Step-by-Step Guide to Filing a Claim with Tower Hill in Palm Bay

1. Know What Your Policy Covers

• Before filing any claim, review your Tower Hill policy to understand exactly what’s covered and what’s not. Florida insurance policies often have limitations on wind, flood, and mold-related damages.

• Helpful Tip: Look for the section detailing "Named Perils" and "Exclusions." Be aware of the hurricane deductible, which is typically higher than standard ones.

🔗 What’s Typically Covered by Property Insurance – Florida CFO

2. Document the Damage Thoroughly

• Immediately after damage occurs, take detailed photographs and videos of all affected areas. Do not discard damaged property until Tower Hill completes an inspection.

• Tip: Save receipts if you make temporary repairs or stay in a hotel. These may be reimbursable.

3. Report the Claim Quickly

• Tower Hill’s claims process begins with reporting. You can call, submit online, or use their app. Florida law requires insurers to begin investigating claims within 14 days.

• Action: When reporting, get your claim number and note all communication in a dedicated file.

🔗 Florida Statute 627.70131 on Claims Handling

4. Cooperate With the Adjuster — But Stay Informed

• Tower Hill will assign an adjuster to evaluate the damage. While it’s important to be cooperative, remember the adjuster works for the insurer.

• Suggestion: You have the right to hire your own appraiser or public adjuster if you believe the estimate is unfair.

5. Review Settlement Offers Carefully

• Once Tower Hill sends a settlement offer, don't rush to accept. Compare it with contractor estimates and public adjuster reports. If the offer is too low or doesn’t reflect the full scope of the damage, you can challenge it.

6. Dispute or Appeal If Necessary

• Tower Hill may deny your claim, offer a partial settlement, or delay payment. You can dispute their decision through internal appeals or by involving legal professionals.

🔗 Filing a Complaint with the Florida Department of Financial Services

How Louis Law Group Can Help

For homeowners in Palm Bay struggling with a delayed or denied claim, Louis Law Group offers trusted legal support. We help you:

• Understand your Tower Hill policy clearly

• Organize and strengthen your claim documents

• File appeals or disputes efficiently

• Represent you in negotiations or court when necessary

With deep experience in Florida insurance law, Louis Law Group ensures your rights as a Palm Bay homeowner are protected during every step of your insurance claim.

🔗 [Learn How to File a Property Insurance Claim]

Frequently Asked Questions (FAQ)

1. Does Tower Hill cover roof leaks in Palm Bay? It depends on the cause. Sudden and accidental leaks from covered perils are often included. Routine wear-and-tear typically isn’t.

2. What is the difference between flood insurance and water damage coverage? Water damage usually refers to burst pipes or interior leaks. Flood insurance is separate and covers rising water from outside sources. You may need NFIP flood insurance for Palm Bay.

3. Can I get compensation for loss of use (temporary housing)? Yes, if your Tower Hill policy includes "Additional Living Expenses (ALE)" coverage, it may reimburse costs related to hotel stays or temporary relocation.

4. How long does Tower Hill have to pay my claim? Per Florida law, insurers have 90 days to pay or deny a claim unless there are extenuating circumstances.

5. Should I accept a supplemental claim offer? If Tower Hill revises the payout amount later, it’s called a supplemental claim. Review it carefully before accepting, especially if repairs cost more than covered.

Conclusion

In Palm Bay, severe weather and property damage are a real part of life. Being insured with Tower Hill Insurance Group can give peace of mind—but only if your claims are handled fairly and quickly. Knowing how to document damage, understand your policy, and challenge low offers can make all the difference. If you’re ever unsure during the process, professional guidance is available.

Are you confident in handling your next insurance claim in Palm Bay?

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.