Navigating Tower Hill Home Insurance Claims in Orlando

Orlando’s steady growth, central location, and weather exposure make homeowner’s insurance not just a recommendation—but a necessity. Tower Hill Insurance is a familiar name for many residents, yet filing and managing a claim can become frustrating when delays or denials arise. If you own a home in Orlando, it’s important to understand how Tower Hill operates locally, what coverage you truly have, and when it may be time to seek legal help.

This article provides homeowners in Orlando with a practical, simplified breakdown of Tower Hill policies, local risk factors, how to avoid common claim issues, and how Louis Law Group can support you when things go wrong.

Tower Hill Insurance: What It Offers Orlando Residents

Tower Hill has been offering property insurance in Florida for decades. For homeowners in Orlando, the company provides several policy options, including:

• HO-3 policies for single-family homes

• HO-6 condo policies

• Flood insurance (optional)

• Landlord or rental dwelling coverage

Each plan includes core protections like dwelling, personal property, and liability coverage. However, optional endorsements like flood or sinkhole coverage are often necessary in Orlando but not included by default.

You can check if Tower Hill is currently writing new policies or facing regulatory changes via the Florida Office of Insurance Regulation.

Understanding Orlando’s Home Insurance Risks

While Orlando doesn’t face coastal hurricanes directly, the region still deals with serious hazards that affect insurance policies:

1. Hurricane wind damage, especially from outer bands

2. Flash floods in areas like Rosemont and Azalea Park

3. Sinkhole activity, especially west of Orlando

4. Lightning and hailstorms during summer months

5. Fire damage, including electrical or kitchen-related fires

These risks impact how much you pay in premiums, what you can get covered, and how likely your claim will be approved in full.

Learn more about how weather affects claims in our Hurricane Damage Claims Guide.

What’s Covered (and Not Covered) by Tower Hill Policies

Covered:

• Wind/hurricane damage

• Fire and smoke damage

• Theft and vandalism

• Water damage from plumbing or HVAC issues

Not covered without add-ons:

• Flood damage (requires separate policy)

• Sinkhole collapse (requires endorsement)

• Mold remediation if it stems from poor maintenance

• Roof wear and tear from aging

Always request a Coverage Summary Page from Tower Hill to see what's specifically included in your policy.

Claim Denials and Delays: What Causes Them?

Here are common reasons Tower Hill denies or delays claims in the Orlando area:

• “Wear and tear” defense: Roof or plumbing damage classified as normal aging

• Insufficient documentation: Photos or invoices missing from claim package

• Late filing: Claims filed after the Florida legal deadline

• Disputes over damage origin: Water damage blamed on maintenance neglect

Tips to Prevent Claim Issues:

• Take “before and after” photos of your property annually

• Keep a record of repairs and maintenance receipts

• File your claim within 1 year of discovering damage (per FL statute)

Legal Options for Orlando Policyholders

If your Tower Hill claim is unfairly denied or underpaid, you have legal options:

• Request a reinspection or submit an appeal with additional evidence

• File a Civil Remedy Notice (CRN) if you believe the company acted in bad faith

• Hire a licensed property insurance attorney who can negotiate or file suit

The Florida Department of Financial Services provides free mediation programs for some residential disputes—but results are not guaranteed.

How Louis Law Group Can Help in Orlando

At Louis Law Group, we work with Orlando homeowners whose claims have been ignored, underpaid, or denied. Whether your damage is from a storm, water leak, or fire, our attorneys can:

1. Evaluate your Tower Hill policy for missed benefits

2. File appeals or lawsuits to recover full claim value

3. Negotiate directly with Tower Hill on your behalf

4. Help you gather needed documentation

We serve all of Orange County, including Avalon Park, Meadow Woods, and Lake Nona communities.

Read more about Property Damage Representation.

FAQs About Tower Hill Insurance in Orlando

Q: Is Tower Hill still insuring new homes in Orlando in 2025?

As of now, yes—but check with your agent, as underwriting rules may change based on market or reinsurance issues.

Q: How do I request a policy declaration page from Tower Hill?

You can call customer service or request it through their online portal. Your declaration page outlines exactly what you’re covered for.

Q: Does my policy include mold coverage?

Usually not by default. Mold from long-standing leaks is often denied. Ask about an add-on endorsement.

Q: What’s the deadline for filing a storm damage claim in Florida?

You must file within 1 year of the event (based on 2023 changes to Florida law). Learn more at the FL Senate Bill 7055 page.

Q: Can I get help with my Tower Hill claim through the state?

Yes. Florida offers a Mediation Program for homeowners. Visit myfloridacfo.com to see if you qualify.

Final Thoughts

Tower Hill Insurance plays a big role in protecting Orlando homes—but it doesn’t always work smoothly for every claim. Whether your roof was damaged in a storm or water seeped through your walls, your claim deserves fair treatment. Understanding what’s covered, what’s not, and when to seek help is the first step to protecting your home.

If you're struggling with a property damage claim in Orlando, Louis Law Group is ready to stand by your side and fight for what you’re owed—no matter the neighborhood or insurance hurdle.

Has your recent Tower Hill claim left you feeling frustrated or unsure of your next step in Orlando?

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.