Recommendations for Filing a Tower Hill Home Insurance Claim in Deerfield Beach, Florida

Living in Deerfield Beach offers scenic coastal beauty and a strong sense of community—but it also means homeowners face serious risks from tropical storms, flooding, and hurricanes. That’s why many local residents rely on Tower Hill Insurance to protect their homes.

However, filing a claim isn’t always straightforward. This article offers clear, simple recommendations to help Deerfield Beach homeowners file their Tower Hill claims successfully—and understand what to do when things go wrong.

What Tower Hill Policies Typically Cover

A standard Tower Hill home insurance policy in Deerfield Beach may include:

• Dwelling Coverage: Structural protection for your house

• Other Structures: Covers detached garages, fences, sheds

• Personal Property: Covers belongings damaged by a covered peril

• Loss of Use: Pays for hotel stays and extra living expenses if you’re displaced

• Liability Protection: In case someone gets hurt on your property

📌 Important: Tower Hill does not automatically include flood coverage. For Deerfield Beach homeowners near the Intracoastal Waterway or flood zones, you’ll need separate NFIP coverage.

Filing a Tower Hill Claim: Simple Breakdown

Here’s how the process works:

Step 1: File the Claim – Online or by phone. Provide your policy number and incident details.

Step 2: Adjuster Visit – A Tower Hill adjuster inspects the property. Be present and provide your documentation.

Step 3: Contractor Estimate – Hire your own licensed contractor for a repair estimate.

Step 4: Settlement Offer – Tower Hill may send an initial payout offer. Review carefully.

Step 5: Negotiate or Supplement – If the offer is low or missing items, request a supplement or file a dispute.

➡️ How to Handle Low Settlement Offers

Common Problems You Might Face

Deerfield Beach residents sometimes report the following issues with Tower Hill:

• Underpaid claims that don’t cover full repairs

• Delayed adjuster inspections after major storms

• Denials blaming wear and tear instead of storm damage

• Poor communication from claims departments

• Disagreements on scope of damage

Knowing your rights and keeping thorough records helps reduce the risk of a bad outcome.

➡️ What to Do If Your Claim is Denied

How Louis Law Group Helps Homeowners in Deerfield Beach

Louis Law Group helps homeowners across Florida—including in Deerfield Beach—resolve tough claims with insurers like Tower Hill.

We help by:

• Reviewing your policy for hidden or overlooked coverage

• Disputing unfair settlement offers or denials

• Managing communication and negotiations

• Filing legal action when necessary (we only get paid if you do)

➡️ Do You Need a Property Damage Lawyer in Florida?

FAQs About Tower Hill Claims in Deerfield Beach

Q1: How fast does Tower Hill have to respond to my claim? Florida law requires a decision within 90 days of filing, as long as you've submitted all required documents.

Q2: Can I use my own contractor for repairs? Yes. You are not required to use Tower Hill’s suggested vendors.

Q3: Can I reopen a claim if I discover more damage later? Yes. You can file a supplemental claim for additional damage that was missed or developed later.

Q4: Is storm surge considered flood damage? Yes, and it’s typically not covered by standard home insurance. You’ll need a separate flood policy.

Q5: What if I already made temporary repairs? That’s okay—just make sure you kept before and after photos and saved all receipts.

Conclusion

Living in Deerfield Beach means being prepared for the unexpected. If you’ve experienced property damage and are turning to Tower Hill for help, knowing how to file your claim—and what to do when things go wrong—can protect your home and your peace of mind.

Louis Law Group is here to support Deerfield Beach homeowners who feel stuck or mistreated in the claims process. With legal knowledge and experience on your side, you don’t have to face the insurance company alone.

Are you ready to take control of your Tower Hill home insurance claim in Deerfield Beach?

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.