Steps to Successfully File a Tower Hill Home Insurance Claim in Sunrise, Florida

Sunrise, Florida, is known for sunshine, community living, and beautiful homes—but it’s also a hotspot for unpredictable weather. That’s why many homeowners purchase insurance from Tower Hill to protect against things like storm damage, roof leaks, or even fire.

But when disaster strikes, filing an insurance claim can quickly turn stressful. This article walks you through the steps to successfully file a Tower Hill claim in Sunrise, how to avoid common issues, and what to do if your claim is denied or underpaid.

Why Tower Hill Is a Common Choice in Sunrise

Tower Hill Insurance is popular among Sunrise residents because it’s a Florida-based company that specializes in local risks—like hurricanes, strong winds, and water damage. Their policies are designed to meet the needs of homeowners in South Florida communities.

However, just because Tower Hill is based in the state doesn’t mean the claims process is always smooth. Many policyholders experience frustration when claims are delayed or disputed. That’s why it’s important to understand how to file a claim the right way from the beginning.

What Tower Hill Policies Typically Cover

In Sunrise, a standard Tower Hill homeowners policy may include:

• Dwelling Protection – Covers the structure of your home from events like wind or fire

• Other Structures – Includes fences, sheds, and detached garages

• Personal Property – Covers furniture, electronics, clothing, and more

• Loss of Use – Helps pay for hotel stays or meals if your home is unlivable

• Liability Insurance – Covers medical and legal costs if someone is injured on your property

⚠️ Keep in mind: Flood damage is not automatically covered. Sunrise is part of a region prone to heavy rainfall, so you may need a separate flood insurance policy through the NFIP.

➡️ Hurricane and Flood Insurance Tips

First Things to Do After Property Damage

If your property in Sunrise has been damaged, here’s what to do:

• Ensure Safety: Make sure your family and pets are safe. Leave the house if needed.

• Secure the Property: Prevent further damage (e.g., tarp the roof, shut off water).

• Document the Damage: Take clear, time-stamped photos and videos of every affected area.

• Save Receipts: Hold onto all receipts for emergency expenses or temporary repairs.

• Contact Tower Hill Quickly: Most policies require prompt reporting—don’t delay.

Filing Your Claim with Tower Hill: Step-by-Step

Here’s a breakdown of how to file your claim successfully:

Step 1: Initiate the Claim Contact Tower Hill online or by phone. Have your policy number, damage description, and media files ready.

Step 2: Schedule an Inspection An adjuster will visit your home to assess the damage. Walk with them and point out all impacted areas.

Step 3: Get an Independent Estimate Even if Tower Hill provides one, get your own licensed contractor’s estimate as a comparison.

Step 4: Review the Offer Tower Hill will send a settlement offer. Read it carefully and compare it to your actual repair costs.

Step 5: Accept, Dispute, or Supplement If the offer is too low or something was missed, you can submit additional documentation and request a supplemental claim.

How Louis Law Group Helps with Insurance Disputes

If you're dealing with a Tower Hill claim issue in Sunrise, Louis Law Group is here to help. We work with homeowners across Florida to resolve delays, denials, and underpayments.

Here’s what we can do for you:

• Break down your insurance policy and identify hidden protections

• Collect evidence and manage communications with Tower Hill

• File legal action if necessary to protect your rights

We know the local laws and how Florida insurers operate. Our attorneys work on contingency—meaning we only get paid if you do.

➡️ Do You Need a Property Damage Attorney?

FAQs

Q1: Can I file a claim for damage that happened months ago? You may be able to, but you must prove when the damage occurred. Late claims are more likely to be denied unless well-documented.

Q2: Can I appeal Tower Hill’s settlement offer? Yes. You can file a dispute and submit additional repair estimates or evidence.

Q3: Will my policy cover mold damage? Mold is often excluded unless it was caused by a covered event like a pipe burst. Read your policy carefully.

Q4: How long does Tower Hill have to respond to my claim? Florida law generally gives insurers 14 days to acknowledge and 90 days to pay or deny claims after all documentation is submitted.

Q5: Is my pool covered under homeowners insurance? Damage to the pool itself may not be covered, but related damage to surrounding areas might be. Check the “Other Structures” portion of your policy.

Conclusion

Dealing with property damage is never easy, especially when your insurance claim feels like an uphill battle. But with the right approach, Sunrise homeowners can take control of their Tower Hill home insurance claims.

By documenting early, filing promptly, and understanding your policy, you increase your chances of a full and fair payout. If you're facing delays, underpayments, or denials, Louis Law Group can step in to help you protect what matters most—your home and your peace of mind.

Is your Tower Hill home insurance claim in Sunrise taking longer than expected or leaving you with more questions than answers?

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.