Tips on Managing Tower Hill Insurance Group Policies and Claims in Fort Lauderdale

If you own a home in Fort Lauderdale, you know that the threat of hurricane damage, flooding, and plumbing issues is real year-round. That’s why many residents choose Tower Hill Insurance Group for home coverage. But filing a claim and managing your insurance policy isn’t always straightforward—especially after a major storm.

This article offers practical tips for Fort Lauderdale residents to understand, manage, and resolve Tower Hill Insurance claims smoothly. Whether you're filing a claim for the first time or struggling with a denied payout, this guide will help you make informed decisions and protect your property.

Overview of Tower Hill Insurance Group

Tower Hill Insurance Group is a Florida-based property insurance company that serves a wide range of homeowners through various carriers, including:

• Tower Hill Prime

• Tower Hill Preferred

• Tower Hill Signature

• Omega Insurance Company

Each company is tailored to serve different homeowner needs—from standard coverage to high-risk, hurricane-prone areas like Fort Lauderdale.

📎 For a deeper look at how Florida insurance companies operate, check out The Basics of Florida Property Insurance.

Popular Coverages in Fort Lauderdale Policies

Tower Hill’s policies in Fort Lauderdale typically include:

• Windstorm & Hurricane Damage: Critical coverage for South Florida homes

• Water Damage: Includes leaks, burst pipes, and overflow (check exclusions)

• Loss of Use: Covers temporary housing if your home becomes uninhabitable

• Personal Belongings: Covers valuables like appliances, electronics, and clothing

• Liability Protection: For injuries that occur on your property

Some Fort Lauderdale neighborhoods may also require additional flood insurance, which must be purchased separately through FEMA’s NFIP or private insurers.

How to File a Claim With Tower Hill

If you experience damage, follow these key steps:

a. Report the Claim

• Call 1-800-342-3407 or visit www.thig.com. You’ll need:

• Your policy number

• Date and description of the incident

• Photos or videos (if available)

b. Document Everything

• Take photos and video footage immediately

• Keep receipts for emergency repairs and hotel stays

• Write down a timeline of the event

c. Schedule the Adjuster Visit

• Tower Hill will assign an adjuster to assess your damage. Be present and walk them through all affected areas.

d. Review the Decision

• Tower Hill will offer a payout, deny the claim, or request more information. If you disagree, you can request a re-evaluation or consult legal support.

📘 Learn more in How to Handle a Home Insurance Claim in Florida.

Common Challenges for Fort Lauderdale Homeowners

Fort Lauderdale’s coastal location and older housing structures create unique claim issues:

• Mold damage from slow leaks or high humidity

• Roof exclusions for older or flat-style roofs

• Flood damage miscategorized as water intrusion

• Slow contractor availability delaying repairs and inspections

🧠 Read What to Do if Your Claim Is Delayed or Underpaid to understand your next steps.

Tips to Manage Your Claim More Effectively

Use these simple best practices to speed up the claims process:

• Report damage immediately—within 24–48 hours

• Follow up every 7 days until your claim is closed

• Keep a written log of all communication with adjusters or agents

• Photograph all damage before and after temporary repairs

• Ask for all updates and decisions in writing

📎 Also see How to Document Home Damage Properly for a useful checklist.

How Louis Law Group Helps Fort Lauderdale Policyholders

If your claim is delayed, underpaid, or denied, Louis Law Group provides legal support to Fort Lauderdale homeowners. We can:

• Review your insurance policy for hidden exclusions

• Challenge low settlement offers

• Help file supplemental claims with stronger evidence

• Represent you if litigation is needed

📘 Explore When to Call a Lawyer for an Insurance Claim for more insight.

Whether you live in Victoria Park, Coral Ridge, or Lauderdale Manors, our team can guide you through every step of the claims process.

Frequently Asked Questions (FAQs)

Does Tower Hill offer sinkhole coverage in Fort Lauderdale? Yes, but it may be limited or require an endorsement. Check your policy to confirm whether it’s included.

Can I repair damage before the adjuster visits? Only make emergency repairs to prevent further damage. Document everything and save receipts.

What happens if Tower Hill delays my claim beyond 90 days? Under Florida law, insurers must settle claims within 90 days. You can file a formal complaint or seek legal support if this deadline is missed.

Is my landscaping or pool equipment covered? Usually not, unless specifically listed in your policy. Some custom items may require additional coverage.

Can I dispute the payout amount? Yes. Submit a written request for re-evaluation and include new estimates, documentation, or professional inspections.

Conclusion

Managing a Tower Hill Insurance claim in Fort Lauderdale doesn’t have to be a frustrating experience. With the right knowledge, clear documentation, and timely follow-up, you can help ensure your home is protected and your claim is resolved fairly. If you’re struggling to make progress, Louis Law Group is here to help you navigate the process and fight for the coverage you deserve. Are you ready to take charge of your Tower Hill Insurance claim in Fort Lauderdale?

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.