Steps to Handling Your Tower Hill Insurance Claim in Davie

If you live in Davie, Florida, and rely on Tower Hill Insurance Group for your homeowners insurance, it’s crucial to understand how to navigate the claims process effectively—especially after a storm or unexpected property damage. Davie’s exposure to hurricanes, flooding, and aging infrastructure means property owners must act quickly and decisively when filing a claim.

This guide outlines essential steps to take when dealing with Tower Hill in Davie, along with local resources, legal support options, and common challenges to avoid.

Understanding Tower Hill Coverage in Davie

Tower Hill offers:

• Standard homeowners insurance (HO-3)

• Condo unit policies (HO-6)

• Landlord coverage (DP-3)

• Flood and windstorm endorsements

In Davie, where high winds and tropical storms are a seasonal norm, it's important to know if your policy includes hurricane deductibles or excludes external water intrusion.

Filing a Claim with Tower Hill: A Step-by-Step Overview

1. Report the Damage Promptly

• Call Tower Hill at 📞 800-342-3407 or file online at https://www.thig.com

• Be ready with your policy number, date of damage, and description

2. Document Thoroughly

Before making repairs (unless they’re emergency-related), take:

• Wide-angle photos of affected areas

• Close-up shots of the damage

• Videos showing the scene

• Written details including time of loss and weather conditions

3. Track Your Claim Progress Use the Tower Hill policyholder portal to:

• Check inspection schedules

• Upload supporting documents

• Communicate with your assigned adjuster

• Review payments issued or pending

When Legal Help Becomes Necessary

Contact an attorney when:

• You receive a lowball settlement despite high repair estimates

• Your claim is denied for unclear or disputed reasons

• Tower Hill fails to respond after 30–60 days

• You’re pressured into accepting a final payment with no explanation

How Louis Law Group Helps Davie Homeowners

Louis Law Group is experienced in fighting unfair denials, delayed payments, and low offers from insurance companies like Tower Hill. For Davie homeowners, our services include:

• Free policy and claim reviews

• Filing disputes and supplemental claims

• Pursuing legal action when insurers act in bad faith

Recommended resource: How to Reopen a Closed Insurance Claim in Florida

Frequently Asked Questions

Can I hire my own contractor after a Tower Hill inspection? Yes. You're not obligated to use an insurer-recommended vendor. You have the right to choose a contractor who provides a more accurate estimate or service quality.

Does Tower Hill cover detached structures like sheds or garages in Davie? Most standard policies do, but you’ll need to check if your policy includes Coverage B – Other Structures. Exclusions or dollar caps may apply.

What if I didn’t report my damage immediately? Delays can complicate your claim, but you can still file. Provide photos and third-party assessments to explain why the delay didn’t increase the damage.

Will my premium go up after a claim? Possibly. Non-catastrophic claims may affect rates at renewal. However, hurricane-related claims are usually exempt from rate penalties under Florida statutes.

Conclusion

Filing and managing a Tower Hill Insurance claim in Davie takes more than just submitting paperwork—it requires documentation, persistence, and understanding your rights. As a Davie resident, your best protection comes from being informed, prepared, and knowing when to escalate issues.

If you're struggling with delays, confusing denials, or unclear responses, Louis Law Group proudly supports Davie homeowners in navigating insurance disputes and recovering the full compensation they’re entitled to.

Are you ready to take charge of your Tower Hill claim and protect your property?

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.