Tower Hill Homeowners Insurance in Florida: Coverage, Claims & What You Need to Know

Living in Florida comes with beautiful beaches—and the risks of hurricanes, flooding, and severe weather. That’s why homeowners insurance isn’t just optional—it’s essential. One of the major providers in the state is Tower Hill Insurance. If you’re considering a policy or need to file a claim, this guide covers everything from what’s covered to what happens when things go wrong.

Who Is Tower Hill Insurance?

Tower Hill Insurance Group is a Florida-based insurance provider that specializes in residential property coverage. Founded in 1972, Tower Hill offers a variety of policies tailored to Florida homeowners, including:

• Standard homeowners insurance

• Windstorm and hurricane protection

• Flood insurance add-ons

• Condo and renters policies

Tower Hill serves a large portion of Florida’s population and has become known for its quick underwriting and broad coverage options.

What Does Tower Hill Homeowners Insurance Cover?

While policies may differ slightly, most Tower Hill homeowners policies in Florida cover:

• Dwelling coverage – Repairs or rebuilds for your home’s structure

• Personal property – Covers your belongings from theft or damage

• Liability protection – Covers legal fees if someone is injured on your property

• Loss of use – Pays for hotel and living expenses if your home becomes unlivable

• Other structures – Covers detached garages, sheds, fences, etc.

Tower Hill also offers optional endorsements like identity theft protection, high-value personal items, and extended replacement cost coverage.

How to File a Claim with Tower Hill

Filing a claim with Tower Hill is a straightforward process, especially if you act quickly. You can file:

• Online at: https://www.thig.com

• By phone: Call the claims department at 800-342-3407

Step-by-step:

• Document the damage: Take photos or videos as soon as it’s safe.

• Underline Prevent further damage: Make temporary repairs and save your receipts.

• File your claim: Provide your policy number, date of loss, and description of damage.

• Schedule the inspection: A claims adjuster will contact you for an appointment.

• Track your claim status: You can do this online or by calling the hotline.

Common Problems with Claims in Florida

Even though Tower Hill is a reputable company, policyholders sometimes run into problems such as:

• Delayed claims processing

• Low settlement offers

• Requests for excessive documentation

• Claim denials for “pre-existing” damage

These issues are especially common after widespread storms when insurance companies are flooded with claims. If you feel your claim is being mishandled or undervalued, don’t panic—you have rights.

What to Do If Your Claim is Denied or Underpaid

Don’t accept a denial or low offer at face value. If you believe your claim should be covered, here’s what to do:

• Request a written explanation

• Get a second opinion from a contractor

• Document every conversation

• Contact a property insurance lawyer

Many homeowners have successfully reversed denied claims with legal help.

Check out: 🔗 How to Appeal a Denied Homeowners Insurance Claim in Florida

How Louis Law Group Can Help

At Louis Law Group, we help homeowners across Florida—including those insured by Tower Hill—get fair treatment from their insurance providers. If your claim is denied or you feel your settlement is too low, we’ll step in and handle the dispute. Our attorneys know Florida insurance laws inside and out and have a strong track record of success.

We work on a contingency fee basis, so you don’t pay unless we recover money for you.

FAQs

Q: Is Tower Hill Insurance only available in Florida?

A: While they specialize in Florida, Tower Hill also serves select Southeastern states. Their primary market is Florida homeowners.

Q: How fast does Tower Hill pay claims?

A: This varies, but straightforward claims are often settled within 30–60 days. More complex cases can take longer, especially after natural disasters.

Q: What number do I call to file a claim?

A: Call 800-342-3407 or visit https://www.thig.com to file online.

Q: Can I hire a lawyer if my Tower Hill claim is denied?

A: Yes. In fact, many policyholders get better results by working with an experienced property insurance attorney.

Q: Does Tower Hill cover hurricane damage?

A: Yes, most policies include hurricane coverage, but make sure you understand your deductibles and limits.

Conclusion

Tower Hill is a well-established choice for homeowners insurance in Florida, offering coverage that protects against many of the state’s unique risks. But like with any insurer, the real test comes when it’s time to file a claim. Knowing what’s covered, how to file correctly, and what steps to take if your claim is delayed or denied can save you time, money, and stress.

If you're facing challenges with your Tower Hill claim or simply want to ensure you're being treated fairly, legal support can make a big difference. Louis Law Group has the experience to guide Florida homeowners through disputes and help recover the full compensation they deserve.

Are you confident your Tower Hill claim is being handled properly—or could it be time to take a closer look?

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.