Tower Hill Home Insurance in Florida: What Every Homeowner Needs to Know Before Filing a Claim

Florida is no stranger to extreme weather — hurricanes, flooding, and high winds are a regular part of life. For many Florida homeowners, Tower Hill Insurance is one of the providers offering coverage for these risks. But when it comes time to file a claim, understanding how Tower Hill works — and what your policy really covers — can make all the difference.

This guide explains what Tower Hill home insurance includes, how to properly file a claim, and what to do if your insurance payout is delayed, denied, or just too low. If you’re a Florida homeowner relying on Tower Hill to protect your property, this information could save you time, stress, and money.

What Is Tower Hill Home Insurance?

Tower Hill Insurance Group is a Florida-based company that has been offering homeowners insurance for decades. They provide coverage for single-family homes, condos, renters, and even manufactured homes.

Key Features of Tower Hill Policies:

• Storm and wind damage

• Water damage from plumbing issues

• Fire and smoke damage

• Theft and vandalism

• Liability coverage if someone is injured on your property

Tower Hill offers several types of policies depending on your home’s value, location, and risk level. In Florida, many policies include hurricane deductibles, which are higher than standard deductibles and only apply when a named storm causes damage.

What Does Tower Hill Typically Cover in Florida?

Understanding what's covered — and what isn't — is critical before disaster strikes. Here’s what most Tower Hill policies include:

Covered:

• Wind and hurricane damage (with hurricane deductible)

• Water damage from burst pipes or appliance leaks

• Fire, smoke, and lightning damage

• Mold remediation (if caused by a covered event)

• Loss of use (reimbursement if you can’t live in your home during repairs)

Not Covered (Typically):

• Flood damage (requires separate flood insurance)

• Damage from lack of maintenance (like a roof leak ignored too long)

• Earthquakes or sinkholes unless added to policy

• Certain mold or termite issues not related to covered damage

Tower Hill may also offer endorsements (add-ons) to cover high-value items like jewelry, art, or home offices. Always review your Declarations Page to know what your specific policy includes.

How to File a Claim with Tower Hill in Florida

Filing a claim properly is key to getting the coverage you deserve. Here's a simplified breakdown:

Step 1: Document the Damage

• Take clear photos and videos of the damage immediately. Include close-ups and wide shots, and save receipts for emergency repairs.

Step 2: Contact Tower Hill You can file a claim online through the Tower Hill website or by calling their claims number. Be ready with:

• Your policy number

• Date and type of damage

• A short description of what happened

Step 3: Cooperate with the Adjuster

• Tower Hill will assign an adjuster to inspect the damage. Be present if possible. Show them all affected areas and provide your documentation.

Step 4: Review the Settlement Offer

• After the inspection, you’ll get a claim decision. If the offer seems too low or you disagree, you have the right to request a re-inspection or dispute the decision.

For a deeper dive into how to file, read: How to File a Property Damage Claim in Florida

Common Problems Florida Homeowners Face

Even when everything is submitted correctly, many Florida homeowners run into trouble with Tower Hill or other insurers. These are the most common issues:

• Delayed claims — long wait times after major storms

• Denied claims — citing wear-and-tear or pre-existing conditions

• Underpaid claims — offering a settlement far below repair costs

• Misclassified damage — like labeling storm damage as roof aging

When this happens, don’t panic — you can challenge the outcome. Your policy gives you rights, and you don’t have to accept a low offer.

To learn what causes claim denials, check out: Common Reasons for Insurance Claim Denials

How Louis Law Group Helps with Tower Hill Insurance Claims

At Louis Law Group, we’ve worked with countless homeowners in Florida who have policies with Tower Hill and other insurers. Our goal is simple: to help you get the full compensation your policy promises.

Here’s how we help:

• Review your Tower Hill policy for coverage loopholes

• File your claim with proper documentation

• Negotiate for a higher payout if the initial offer is too low

• Handle appeals or legal disputes for denied claims

Whether your claim is fresh, delayed, or denied, we’re here to guide you every step of the way. You don’t have to face insurance companies alone.

More info: Why You Should Hire a Property Damage Lawyer

Frequently Asked Questions (FAQ)

Q: Does Tower Hill cover hurricane damage in Florida? Yes, most Tower Hill policies include hurricane coverage. However, they come with a separate hurricane deductible, which is often higher than your regular deductible.

Q: What if Tower Hill says the damage was “pre-existing”? You have the right to challenge this. Many claims are wrongly denied for this reason. You may need a contractor’s report or legal help to prove otherwise.

Q: Can I still file a claim if I already started repairs? Yes — but make sure you took photos before repairs and saved all receipts. The more documentation, the better.

Q: How long does Tower Hill take to pay out a claim? It depends. In Florida, insurers are supposed to pay or deny a claim within 90 days, but delays are common — especially after a large storm.

Q: Can I dispute Tower Hill’s decision? Absolutely. You can request a second inspection or hire a lawyer to review and negotiate your claim.

Conclusion

Tower Hill Insurance can be a valuable partner when disaster strikes in Florida — but only if you understand your policy, document your damage correctly, and advocate for a fair settlement. Whether you're filing a new claim, facing delays, or struggling with an unfair payout, knowing your rights is the first step toward recovery.

And if you need help along the way, Louis Law Group is here to stand with you and protect what matters most — your home and your peace of mind.

Are you ready to file your Tower Hill Insurance claim with confidence and clarity?

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.