Recommendations for Managing Tower Hill Home Insurance in Homestead, Florida

Homestead, Florida, is one of the most hurricane-prone cities in the United States. From intense tropical storms to inland flooding and wind damage, local homeowners need more than just basic coverage—they need to understand how to use their home insurance policy effectively.

If you're covered by Tower Hill Insurance, you're not alone. It’s a popular provider across South Florida, but not all policyholders know what’s truly included in their coverage—or how to navigate the claims process when damage strikes.

This article provides expert-backed recommendations for Homestead homeowners who want to make the most of their Tower Hill policy.

Why Tower Hill Is a Common Insurer in Homestead

Homestead’s proximity to the Everglades, Biscayne Bay, and the Atlantic Coastline makes it a high-risk area for windstorms, hail, and water damage. Tower Hill is one of the few insurers in Florida that continues to serve these vulnerable regions.

Homeowners choose Tower Hill for:

• Hurricane-specific endorsements

• Flexible coverage add-ons

• Affordable pricing compared to national carriers

• Claims accessibility through their 24/7 portal

But despite the benefits, confusion about exclusions, deductibles, and policy timelines can lead to delays or claim rejections.

What’s Typically Covered in Tower Hill Policies

Here’s a simplified breakdown of what’s generally included in your Tower Hill homeowners insurance:

• Dwelling Coverage: Repairs or rebuilds for structural damage

• Personal Property: Replacement of belongings like appliances, furniture, and electronics

• Loss of Use (ALE): Reimburses hotel stays or rentals if your home becomes uninhabitable

• Medical Payments to Others: Covers injuries on your property

• Liability Protection: Legal defense and settlement for lawsuits from third parties

Not included unless you add specific endorsements:

• Flood coverage (requires FEMA or private flood policy)

• Backup of sewers or drains

• High-value item coverage (jewelry, art, collectibles)

• Inflation guard or ordinance upgrades

Need help reviewing what’s actually in your policy? [Checklist for Evaluating Your Homeowners Insurance Coverage]

Risks That Make Homestead Unique

Living in Homestead comes with localized risks that may require more advanced coverage:

• Windstorm and hurricane damage (especially roofs and siding)

• Saltwater intrusion and corrosion near the coastline

• Flooding in low-lying neighborhoods like Redland and Leisure City

• Tree collapse during hurricane season

• Power surge damage from lightning storms

If your home was built before the 2002 Florida Building Code update, you may also face higher premiums unless retrofitted.

Recommendations for Preparing Before a Claim

Before disaster strikes, follow these steps:

1. Understand Your Hurricane Deductible Tower Hill applies a percentage-based deductible for hurricanes. On a $400,000 home, a 5% deductible means you pay $20,000 before insurance kicks in.

2. Conduct an Annual Inventory Use tools like Google Sheets or the Sortly app to list home items with estimated values.

3. Take Pre-Loss Photos Photograph the interior and exterior of your home at least twice a year. This helps if Tower Hill challenges the condition of your property.

4. Use Tower Hill’s Mobile App It allows for easy document uploads and status tracking after filing a claim.

Steps to Follow After Damage in Homestead

If your home is damaged, follow this recovery timeline:

• Mitigate Further Damage: Use tarps, shut off water, or board windows

• Call Tower Hill Immediately: File your claim using their app or hotline

• Document Everything: Photo evidence, receipts for temporary fixes, and contractor quotes

• Request a Written Estimate: Ask the adjuster for detailed breakdowns of repairs

• Follow Up Weekly: Keep records of emails and phone logs

• Don’t Accept Quick Payouts Without Reviewing: You may be entitled to more

What If Tower Hill Denies or Underpays Your Claim?

Here are your next steps:

• Request a reinspection if you believe damage was missed

• Get a contractor’s written estimate to compare with the insurer’s figures

• Consider hiring a public adjuster for a second opinion

• Speak to a property damage attorney if you feel misrepresented or ignored

For help navigating denials, read: [How to Respond to a Denied Insurance Claim in Florida]

When You Should Hire an Attorney in Homestead

Consider hiring legal support if:

• You’re facing unreasonable delays (past Florida’s 90-day decision rule)

• You’ve received a lowball offer

• The insurer blames “pre-existing damage” without proof

• You’re being asked to resubmit documentation repeatedly

• Tower Hill pressures you into a fast settlement

Louis Law Group serves clients throughout Miami-Dade County, including Homestead. We fight for fair compensation—especially when insurers act in bad faith.

FAQs – Tower Hill Insurance for Homestead Residents

Q: Is mold damage covered by Tower Hill in Homestead? A: Only if mold results from a covered peril (like a burst pipe). Long-term leaks are typically excluded.

Q: Will I get reimbursed for emergency supplies like generators or plywood? A: It depends on your policy. Some Tower Hill policies reimburse emergency preparation if damage occurs.

Q: Can I file a supplemental claim if new damage is discovered later? A: Yes. Florida law allows you to file a supplemental claim within 18 months of the original loss.

Q: How can I speed up a delayed claim? A: Submit all documents early, request written timelines from adjusters, and escalate to a supervisor if needed.

Q: Does Tower Hill cover water damage from roof leaks? A: Yes, but only if the leak is caused by wind or another sudden event—not wear and tear.

Conclusion: Take Control of Your Tower Hill Coverage in Homestead

With increasing weather volatility, Homestead homeowners must stay one step ahead. Knowing what your Tower Hill policy covers, preparing for storm season, and responding swiftly to damage can significantly improve your outcomes.

And if you run into a denied, delayed, or underpaid claim, Louis Law Group is ready to step in and represent your rights as a policyholder in Homestead.

Are you prepared to handle your next insurance claim with confidence?

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.