Dealing with Tower Hill Insurance Claims in Boynton Beach

Boynton Beach offers sunshine, scenic neighborhoods, and a growing housing market—but it also faces challenges like flooding, storm damage, and rising insurance disputes. For many local homeowners, Tower Hill Insurance is a go-to provider for property protection. But when the unexpected strikes, your claim experience may not be as smooth as promised.

Whether you’re dealing with a delayed inspection, partial payout, or outright denial, this guide explains what to expect when filing a Tower Hill Insurance claim in Boynton Beach—and how to fight back if something goes wrong.

Understanding Tower Hill’s Coverage in Boynton Beach

Tower Hill Insurance offers a wide range of policy types, including:

• HO-3 Homeowners Insurance: Covers damage from wind, fire, theft, vandalism, and more.

• Flood Insurance: Often necessary for areas near Lake Ida and the Intracoastal Waterway.

• Condo and Renters Policies: Protects personal property and liability.

However, coverage does not always mean payout. Policies include conditions, limitations, and exclusions that often affect how claims are processed—especially after hurricanes or heavy rain.

Example: A client near Congress Avenue filed a roof leak claim after a thunderstorm. Tower Hill denied it, stating the damage was due to “age-related deterioration”—despite a prior inspection showing the roof was in good condition.

Common Claim Issues in Boynton Beach

1. Hurricane & Windstorm Damage Denials

• Boynton Beach, located in Palm Beach County, is vulnerable to tropical systems. Tower Hill claims related to wind or flying debris are often under scrutiny, especially if roofing materials are older.

2. Water Damage from Rising Groundwater

• Flooding from rain accumulation is often not covered under standard policies. Many homeowners mistakenly assume it is—until they file a claim.

3. Delayed Adjuster Visits

• High claim volume post-storm can delay inspections. This leaves homes exposed to further damage and may lead to denial for “failure to mitigate loss.”

4. Disputes Over ALE (Additional Living Expenses)

• If your home becomes uninhabitable, Tower Hill is supposed to help cover temporary living costs. But disputes often arise over eligibility, proof, or reimbursement delays.

What to Do If You Disagree with Tower Hill’s Decision

If your claim is denied or undervalued, take the following steps:

Get the Decision in Writing Always ask for the full denial letter or settlement breakdown. It should include the reason and related policy language.

Seek a Licensed Public Adjuster or Contractor An independent inspection can reveal discrepancies in Tower Hill’s assessment. Get a second opinion with a detailed damage estimate.

Document Everything Keep photos, videos, invoices, emails, and repair records. These may become evidence if the dispute escalates.

Contact a Property Insurance Lawyer Legal guidance can help clarify your rights, negotiate a better settlement, or take your insurer to court if they’re acting in bad faith.

Check out: How to Dispute a Denied Property Claim in Florida

Unique Challenges for Boynton Beach Residents

Aging Infrastructure

• Some Boynton Beach homes built in the 70s–90s may face insurer pushback over older roofs, plumbing, or electrical systems—even when damage is storm-related.

Proximity to Flood Zones

• Neighborhoods east of I-95 are especially vulnerable to rising water levels. Without separate flood insurance, many water-related claims are denied.

HOA-Related Complexities

• If you live in a gated community or condo with an HOA, the master policy vs. individual policy can complicate claims. Understanding who’s responsible for what is key.

Helpful read: Understanding Condo & HOA Insurance Disputes

Louis Law Group: Helping Homeowners in Boynton Beach

Louis Law Group has helped hundreds of South Florida homeowners navigate insurance disputes—including many with Tower Hill. If you live in Boynton Beach and are facing claim problems, our team offers:

• Policy analysis and legal interpretation

• Representation in disputes, appeals, and lawsuits

• Full case management from start to settlement

We know the local landscape and legal protections that apply to Boynton Beach residents. From Lake Worth Road to Woolbright, we’ve helped families recover what they’re owed.

Learn more about our process: How a Property Insurance Lawyer Can Help You

FAQs

Q: Will Tower Hill cover mold damage in my attic or bathroom?

A: Only if you have mold coverage added to your policy. Standard homeowners insurance often excludes mold unless caused by a covered peril like a burst pipe.

Q: How long does Tower Hill have to respond to my claim?

A: Under Florida law, they must acknowledge your claim within 14 days and make a coverage decision within 90 days (Florida Statute § 627.70131).

Q: What if my claim is approved but the payment is too low?

A: You can challenge the estimate. A public adjuster or attorney can help you provide alternate quotes and negotiate a fair settlement.

Q: Can I file a supplemental claim if new damage is discovered?

A: Yes. Florida law allows supplemental claims within 18 months of the event. This often happens when hidden damage is discovered during repairs.

Q: Is damage from a neighbor’s tree covered?

A: Possibly. If the tree was dead or improperly maintained, your insurer may pursue the neighbor’s liability—but you may still need to file under your own policy first.

Conclusion

Tower Hill Insurance is a major player in Florida—but just because your premium is paid doesn’t mean your claim will be handled fairly. For Boynton Beach residents, storm season is a fact of life, and filing an insurance claim can quickly turn into a battle.

Whether you're dealing with water damage in Chapel Hill, roof problems in Citrus Glen, or ALE delays in Renaissance Commons, it pays to be informed—and represented.

Have you received a fair and full claim payout from Tower Hill—or is it time to take the next step?

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.