Tower Hill Insurance Bad Faith Claims in Florida (2026)

Tower Hill Insurance Bad Faith Practices in Florida

Tower Hill Insurance Group, one of Florida's oldest and largest property insurance carriers, has a duty to handle every claim in good faith. When Tower Hill unreasonably denies, delays, or underpays a valid claim, Florida homeowners have the right to pursue a bad faith cause of action under state law. This guide explains how bad faith works under Florida Statute 624.155, the tactics Tower Hill commonly uses, and how to hold the insurer accountable.

What Is Insurance Bad Faith Under Florida Law?

Under Florida Statute 624.155, an insurer commits bad faith when it fails to settle a claim fairly and honestly when it could and should have done so. The statute protects policyholders from insurance companies that prioritize profits over their contractual obligations.

Bad faith is not simply a disagreement over the value of a claim. It involves conduct by the insurer that is unreasonable, unfair, or dishonest. Examples include:

• Denying a clearly covered claim without justification
• Failing to investigate a claim properly
• Deliberately delaying payment to pressure the policyholder into accepting less
• Misrepresenting what the policy covers
• Refusing to communicate with the policyholder about claim status

Common Bad Faith Tactics by Tower Hill

Tower Hill Insurance, headquartered in Gainesville, Florida since 1972, has faced allegations of various bad faith practices from Florida policyholders:

• Chronic underpayment: Tower Hill's internal adjusters often produce repair estimates that are well below market rates, forcing policyholders to choose between accepting an inadequate payment and fighting for fair compensation.
• Selective use of engineers: Tower Hill sometimes hires engineers who consistently produce reports favorable to the insurer, attributing storm damage to pre-existing conditions or maintenance issues rather than covered perils.
• Excessive delays in claim processing: Policyholders report waiting months for Tower Hill to assign an adjuster, complete an inspection, or issue a coverage decision — particularly after hurricanes and major storms.
• Demanding excessive documentation: Tower Hill may repeatedly request additional documentation, re-inspections, or supplemental proof of loss statements as a delay tactic, even for straightforward claims.
• Inconsistent adjuster findings: Some policyholders report that Tower Hill's adjusters provide one assessment in person but submit a significantly lower estimate in the official report.
• Failure to explain denials adequately: Tower Hill denial letters sometimes cite vague policy language without clearly explaining how the exclusion applies to the specific facts of the claim.
• Refusing to participate in appraisal: When policyholders invoke the appraisal clause in their policy, Tower Hill has been known to delay appointing an appraiser or object to the process.

How to File a Civil Remedy Notice Against Tower Hill

The Civil Remedy Notice is the mandatory first step before filing a bad faith lawsuit in Florida:

1. Obtain and complete the CRN form: The form is available on the Florida Department of Financial Services website. Include your policy number, claim number, and a detailed narrative of Tower Hill's bad faith conduct.
2. Be specific about the violations: Identify the exact statutory provisions Tower Hill violated. Vague allegations may weaken your position.
3. File with the DFS: Submit the completed CRN to the Florida Department of Financial Services. They will forward a copy to Tower Hill.
4. 60-day cure period: Tower Hill has 60 days to cure the violation by paying the claim, offering a reasonable settlement, or otherwise resolving the issue.
5. Proceed with litigation if not cured: If Tower Hill fails to cure within the 60-day window, you may file a bad faith lawsuit in Florida court.

Damages Available in Bad Faith Cases Against Tower Hill

A successful bad faith claim against Tower Hill can result in damages that far exceed the original policy limits:

• Full policy benefits: The complete amount owed under the policy for the covered loss
• Consequential damages: Financial losses resulting from the bad faith, such as additional living expenses, lost rental income, property deterioration from delayed repairs, and out-of-pocket costs
• Emotional distress: Compensation for anxiety, stress, and hardship caused by Tower Hill's misconduct
• Attorney fees and litigation costs: Florida law allows recovery of attorney fees in successful bad faith actions
• Punitive damages: In cases of particularly egregious conduct, the court may award punitive damages to punish the insurer and deter similar behavior

Timeline and Process for a Tower Hill Bad Faith Claim

1. Establish the underlying claim (months 1-12): Resolve the original property damage claim through negotiation, appraisal, or litigation. You must demonstrate that Tower Hill owed more than it paid.
2. File the Civil Remedy Notice: Once the underlying claim establishes liability and damages, file the CRN.
3. 60-day cure period: Allow the mandatory waiting period to expire.
4. File the bad faith lawsuit: If Tower Hill does not cure, file suit in the appropriate Florida circuit court.
5. Discovery phase: Obtain Tower Hill's internal claim file, adjuster notes, training manuals, and corporate communications. This phase often reveals the most compelling evidence of bad faith.
6. Mediation and trial: Most bad faith cases settle after discovery or at mediation, but some proceed to trial.

Louis Law Group's Approach to Tower Hill Bad Faith Cases

Louis Law Group has litigated numerous bad faith claims against Tower Hill and its subsidiaries. Our strategy includes:

• Comprehensive analysis of the claim file to identify every instance of bad faith conduct
• Strategic timing of the Civil Remedy Notice to maximize its impact
• Retention of qualified experts to document damages and establish the true value of the claim
• Aggressive discovery targeting Tower Hill's internal claims handling protocols
• Pursuit of all available damages, including consequential and punitive damages where applicable

All cases are handled on a contingency fee basis — you owe nothing unless we recover for you.

Frequently Asked Questions

How do I know if Tower Hill acted in bad faith on my claim?

Bad faith indicators include unreasonable delays, denial without investigation, lowball offers, misrepresentation of policy terms, and failure to communicate. If Tower Hill's handling of your claim seems unreasonable compared to what a fair insurer would do, bad faith may be present.

Can I pursue bad faith if Tower Hill eventually paid my claim?

Yes. Bad faith is about how the claim was handled, not just the final outcome. Unreasonable delays, initial wrongful denial, or requiring litigation to receive payment can all support a bad faith claim even if the underlying claim was eventually paid.

What is the statute of limitations for bad faith against Tower Hill?

The statute of limitations for bad faith claims in Florida is generally five years. However, the timeline can be complex, so consult an attorney as soon as you suspect bad faith.

Is a Civil Remedy Notice required before suing Tower Hill for bad faith?

Yes. Under Florida Statute 624.155, filing a CRN with the Florida Department of Financial Services is a mandatory pre-suit requirement. Failure to file the CRN before suit can result in dismissal of your bad faith claim.

Will Tower Hill settle a bad faith case?

Many bad faith cases settle, particularly after discovery reveals the insurer's internal decision-making. Tower Hill, like most insurers, prefers to avoid the uncertainty and exposure of a trial when the evidence of bad faith is strong.

Do Not Let Tower Hill Get Away With Bad Faith

If Tower Hill Insurance has handled your claim unfairly, you deserve accountability. Louis Law Group can help you pursue a bad faith claim and recover the full compensation you are owed.

Call (833) 657-4812 or submit your claim for a free case evaluation.