Tower Hill Homeowners Insurance in Plantation, Florida

Living in Plantation, Florida, means enjoying suburban comfort with proximity to major urban centers. However, with Florida's weather and property risks, having the right homeowners insurance is crucial. Tower Hill Insurance is one of the major insurers in Florida, offering coverage to help homeowners manage potential property losses. In this article, we explain what Tower Hill offers, how to file a claim, and how Louis Law Group can help when problems arise with your insurance provider.

What Tower Hill Offers to Plantation Homeowners

Tower Hill offers policies designed for Florida’s risk-prone environment. In Plantation, where storm events and property-related incidents are common, their plans are especially useful.

Key features of Tower Hill’s homeowners insurance include:

• Standard Property Protection – Covers damage to the home and personal belongings from covered perils.

• Windstorm & Hurricane Coverage – Especially important in Broward County, where Plantation is located.

• Loss of Use Coverage – Helps pay for temporary housing if your home is uninhabitable.

• Personal Liability Protection – Covers legal and medical costs if someone is injured on your property.

• Optional Endorsements – Like equipment breakdown and scheduled personal property.

Tower Hill also offers coverage for older homes, which is ideal for areas like Plantation where many homes were built decades ago.

How to File a Homeowners Claim with Tower Hill

Here’s how to properly file a homeowners claim if you live in Plantation:

• Take Photos and Document – Right after the incident, photograph all damages.

• Prevent Further Damage – Make temporary repairs (e.g., cover broken windows).

• Call Tower Hill – Report your claim through their portal or call 800-342-3407.

• Submit Documentation – Include estimates, receipts, and repair quotes.

• Adjuster Visit – Tower Hill may send an adjuster to inspect your property.

• Follow Up – Stay in touch to ensure your claim is processed quickly.

Plantation-Specific Concerns: Why Claims May Be Denied

In Plantation, some homeowners face specific hurdles:

• Roof Damage Disputes – Roof wear and tear can be used to deny storm-related claims.

• Flooding – If you don’t have a separate flood policy, water damage may not be covered.

• Delayed Reporting – Waiting too long to report damage is a common reason claims are denied.

Need help with a denied claim? Visit Louis Law Group’s Denied Claim Resource for more guidance.

How Louis Law Group Helps Plantation Homeowners

When your Tower Hill claim is delayed, underpaid, or denied, Louis Law Group is here to help. We’re a legal team focused on insurance disputes across Florida, including Plantation. We can:

• Interpret complicated policy language.

• Negotiate for a fair settlement on your behalf.

• File legal action if your insurer acts in bad faith.

Explore our homeowner insurance claim page for help in understanding what you’re entitled to.

FAQs

Q: Is hurricane coverage included automatically in Tower Hill policies?

A: In Florida, hurricane coverage is typically included but subject to a separate deductible.

Q: What can I do if Tower Hill delays my claim for more than 90 days?

A: According to Florida Statutes § 627.70131, insurers must respond within 90 days. Contact a lawyer if this timeframe passes.

Q: Does Tower Hill cover tree damage in Plantation?

A: If a tree falls due to a covered peril (like a storm), it may be covered. Damage from decay or neglect is usually excluded.

Q: Can I buy extra coverage for jewelry or collectibles?

A: Yes, through endorsements. Tower Hill allows you to schedule valuable items for extra protection.

Q: What if my policy was canceled after a claim?

A: Insurers can’t cancel policies unfairly. You may have legal grounds to dispute the cancellation—consult an attorney.

Conclusion

Whether you’re in Jacaranda Lakes, Plantation Acres, or closer to Central Park, having the right homeowners insurance is critical in Plantation, FL. Tower Hill offers competitive policies, but navigating claim denials or delays can be frustrating. That’s where Louis Law Group steps in—to ensure you’re treated fairly and receive what you’re owed.

Are you facing a tough insurance dispute in Plantation?

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.