Tower Hill Homeowners Insurance in Palm Coast: A Complete Guide for Property Owners

Located between St. Augustine and Daytona Beach, Palm Coast is known for its scenic waterfront homes, laid-back lifestyle, and beautiful preserves like Washington Oaks Gardens State Park. But like much of coastal Florida, the area faces real risks from hurricanes, flooding, and windstorms.

Tower Hill Insurance Group is a prominent Florida-based company offering homeowners insurance tailored to these challenges. If you own a home in Palm Coast, understanding your insurance options with Tower Hill — and how to get help if a claim doesn’t go smoothly — is key to protecting your property.

What Tower Hill Homeowners Insurance Covers in Palm Coast

Tower Hill offers multiple types of homeowners insurance that can be customized depending on your needs and the type of home you own.

Core Coverages Include:

• Dwelling Coverage: Covers your home’s physical structure.

• Other Structures: Includes fences, sheds, or garages not attached to your home.

• Personal Property: Protects belongings like furniture, appliances, and clothing.

• Loss of Use: Pays for temporary housing if you can't stay in your home.

• Liability Coverage: Helps if someone sues you for injury or damage on your property.

If you own a waterfront property, make sure your policy is upgraded for higher wind mitigation and consider separate flood insurance. Flood coverage is not included in standard policies.

For detailed insight, visit: Understanding Hurricane Damage Claims

Contact Tower Hill for Homeowners Insurance in Palm Coast

Here’s how to reach Tower Hill if you're based in the Palm Coast area:

• Customer Service and Claims: 800-342-3407

• Online Claims Portal: www.thig.com/claims

• Claims Email: [email protected]

• Mailing Address: Tower Hill Insurance Group, P.O. Box 147018, Gainesville, FL 32614-7018

Having your policy number, date of damage, description of loss, and photos ready will help you file a faster and more accurate claim.

What to Do After Property Damage in Palm Coast

Damage to your property — whether from a storm or other covered incident — is stressful. Here’s a practical action plan:

Step-by-Step:

• Document Everything Immediately
• Take photos and videos before making any repairs. Document every detail.

Prevent Further Damage

• Board windows, place tarps on roofs, and stop water leaks if possible.

File Your Claim Promptly

• Call Tower Hill or file online. Delay can affect claim approval.

Schedule the Adjuster Visit

• Be present if possible to walk through and discuss damage with the adjuster.

Review Your Settlement Offer

• Don’t hesitate to question or negotiate the payout amount.

If you're unsure about the next step, Louis Law Group’s Insurance Claim Guide explains your rights and options.

When to Call an Insurance Attorney in Palm Coast

If your claim is denied, underpaid, or delayed, you're not alone. Many homeowners experience claim issues after disasters. That’s where legal help can make a difference.

The Louis Law Group has helped many Palm Coast homeowners dispute wrongful denials, push back against low settlement offers, and recover the compensation they deserve.

🔗 Learn more: Disputing an Insurance Claim

FAQs – Homeowners Insurance in Palm Coast

Q: Can I update my Tower Hill policy if I renovate my Palm Coast home?

A: Yes. Renovations may increase your home's value and risk profile, so it's important to report major upgrades. Failing to do so can lead to coverage gaps.

Q: Does Tower Hill offer sinkhole coverage?

A: Tower Hill may offer optional sinkhole coverage in some areas. Since sinkholes are a risk in parts of Florida, especially inland regions like Palm Coast, ask your agent.

Q: How do I get wind mitigation credits?

A: Schedule a wind mitigation inspection. If your roof, windows, or doors meet certain standards, you could qualify for a premium discount.

Q: What is Ordinance or Law Coverage?

A: This coverage pays for the cost of rebuilding your home to meet current building codes after damage — important in Florida where building codes are frequently updated.

Conclusion

Palm Coast is a wonderful place to call home, but its beauty comes with natural risks. Ensuring your property is protected with the right homeowners insurance — and knowing what to do if your claim is denied or underpaid — is essential for financial security.

If you're unsure about your policy, or you’re dealing with a difficult claim, Louis Law Group can help homeowners in Palm Coast get answers and take action. Don’t wait until disaster strikes to find out you’re underinsured.

Is your Palm Coast home fully protected against Florida’s unpredictable weather?

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.