Strategies for Handling Tower Hill Insurance Group Claims in Hollywood, Florida

Living in Hollywood, Florida comes with undeniable perks—sunshine, coastal views, and vibrant communities. But it also means dealing with potential risks like hurricanes, flooding, and home damage. That’s why many homeowners trust Tower Hill Insurance Group to protect their property.

Still, when disaster strikes and it's time to file a claim, the process can feel overwhelming. This article explores actionable strategies for handling Tower Hill Insurance claims in Hollywood, helping you move confidently from damage to recovery—without getting lost in red tape.

Understanding Tower Hill Insurance Group

Tower Hill Insurance Group is one of Florida’s top property insurers. They operate multiple carriers such as:

• Tower Hill Preferred

• Tower Hill Prime

• Tower Hill Signature

• Omega Insurance Company

Each branch serves different needs—from basic homeowner policies to complex hurricane-risk property protection. In a city like Hollywood, especially near the Intracoastal or beachfront, Tower Hill often plays a key role in safeguarding homes against natural and manmade hazards.

📎 For a full overview, see Understanding Florida Homeowners Insurance.

Coverage Tailored to Hollywood Residents

Tower Hill policies commonly include:

• Hurricane & Windstorm Coverage

• Water Damage Protection (with limits for leaks, burst pipes, etc.)

• Additional Living Expenses for temporary housing during home repairs

• Personal Property Coverage for damaged belongings

• Liability Coverage for injuries on your property

❗ Important: Most policies do not include flood insurance, which must be purchased separately—particularly important for homeowners in areas like North Lake, Hollywood Beach, or Parkside.

How to File a Tower Hill Insurance Claim

If your property has been damaged, act quickly by following these steps:

a. Report the Claim Promptly

• Call 1-800-342-3407 or visit www.thig.com. Prepare your:

• Policy number

• Date of loss

• Short description of what happened

b. Document the Damage Thoroughly

• Take high-quality, dated photos and videos

• Save receipts for emergency repairs

• Keep track of conversations and emails

c. Meet with the Adjuster

• Tower Hill will assign a claims adjuster to inspect the property. Be present to walk them through visible and hidden damages.

d. Track the Progress

• Check the portal for updates, submit any additional documentation, and stay in communication until you receive a final decision.

📌 Need step-by-step support? Read How to Handle a Property Damage Claim in Florida.

Common Issues Faced by Hollywood Homeowners

Due to its coastal location, Hollywood homeowners often experience:

• Roof wear-and-tear denials for homes near ocean salt air

• Mold exclusions caused by delayed water damage repairs

• Flood vs. windstorm confusion that leads to claim denials

• Slow inspection timelines following hurricane seasons

Strategies for Faster, Smoother Claims

To make the most of your Tower Hill policy, follow these proven tips:

• Report damage within 24–48 hours

• Create a “Claim Log” with dates, contacts, and summary notes

• Take before/after photos of repairs

• Submit everything via the Tower Hill portal and save backups

• Politely follow up every 5–7 days until your case is closed

How Louis Law Group Can Help

At Louis Law Group, we’ve worked with Hollywood homeowners to resolve disputes with Tower Hill and other Florida insurers. Our team can:

• Review your denied or delayed claim

• File supplemental documentation

• Negotiate on your behalf for a fair settlement

• Represent you if legal action is required

📘 To see how we support policyholders, visit When to Hire an Insurance Claim Attorney.

Frequently Asked Questions (FAQs)

How long do I have to file a claim with Tower Hill? Florida law requires that you report a claim within 1 year of the incident, but sooner is always better to ensure accurate inspections.

Can I make repairs before the adjuster visits? Yes, but only emergency repairs. Document everything thoroughly and keep all receipts.

Does Tower Hill cover older roofs in Hollywood? It depends. Many policies restrict coverage for roofs over 15 years old unless properly maintained. Review your declarations page.

What if my payout doesn’t cover full repair costs? You can file a supplemental claim with new estimates or bring in a contractor or attorney to challenge the decision.

Can I appeal a denied Tower Hill claim? Yes. Request a written explanation, gather supporting evidence, and submit an appeal—or contact a lawyer for help.

Conclusion

Handling a Tower Hill Insurance claim in Hollywood, Florida doesn’t need to be a confusing or frustrating process. By following smart strategies—prompt reporting, detailed documentation, and organized follow-up—you can protect your home and your financial future. And if challenges arise, Louis Law Group is here to guide you every step of the way and help ensure your claim gets the attention it deserves. Are you confident in the next steps to protect your home and resolve your insurance claim?

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.