Tower Hill in Delray Beach, FL: Coverage and Claims Explained

Delray Beach, Florida, is known for its coastal lifestyle, vibrant downtown, and beautiful homes. But with its proximity to the Atlantic Ocean, homeowners here face serious weather risks—especially during hurricane season. Having the right insurance policy is crucial.

Tower Hill Insurance is a popular choice for Delray Beach residents. In this guide, we’ll explore how their coverage works, common challenges with claims, and how Louis Law Group can help you if something goes wrong with your policy or payout.

Overview of Tower Hill Insurance

Tower Hill Insurance Group is one of Florida’s longest-standing insurers, offering property insurance since 1972. Their offerings are tailored to Florida's high-risk environments and include:

• Homeowners (HO-3) Insurance

• Condo Unit Owners (HO-6)

• Renters Insurance

• Landlord and Vacation Rental Coverage

• Flood Insurance (via NFIP)

• Hurricane/Windstorm Protection

Tower Hill specializes in coastal Florida cities like Delray Beach, making them a key provider for many local homeowners.

Florida Insurance Consumer Guide – FL OIR

Why Delray Beach Homeowners Choose Tower Hill

Delray Beach homeowners choose Tower Hill for several reasons:

• Storm-Resilient Coverage: Tower Hill’s policies offer robust windstorm and hurricane protections.

• Flood Insurance Availability: With nearby canals and proximity to the ocean, flood coverage is essential.

• Home Improvement Discounts: Roof upgrades, impact windows, and shutters may qualify for premium discounts.

• Bundling Options: Tower Hill allows for bundling homeowners and umbrella insurance.

Homeowners Insurance Coverage Explained

What Does Tower Hill Cover in Delray Beach?

a. HO-3 Homeowners Insurance This is the standard policy that covers:

• Dwelling and attached structures

• Personal belongings

• Liability protection

• Loss of use if the home becomes unlivable

b. Flood Insurance

• Offered through the National Flood Insurance Program (NFIP), this covers rising water damage not included in standard policies.

c. Windstorm and Hurricane Coverage

• Essential for Delray Beach. Includes separate hurricane deductibles, usually between 2–5% of dwelling value.

d. Optional Endorsements

• You can add extra coverage for mold, water backup, high-value items, and equipment breakdown.

Flood Insurance Information – FEMA

How to File a Tower Hill Insurance Claim in Delray Beach

Step-by-Step Process:

• Report the Damage ASAP through Tower Hill’s online portal or phone line.

• Take Photos/Videos Immediately and save all receipts and repair costs.

• Schedule the Adjuster Visit—be prepared to explain exactly what happened.

• Get Independent Estimates to compare with Tower Hill’s offer.

Contact a Legal Expert if you feel your claim is underpaid or unfairly denied.

How to File a Homeowners Insurance Claim Correctly

Louis Law Group Helps Delray Beach Homeowners

At Louis Law Group, we assist homeowners in Delray Beach with:

• Denied Claims

• Underpaid Settlements

• Delayed Responses

• Disputes Over Policy Terms or Coverage

We review your policy, investigate the insurer’s decision, and advocate to get the maximum payout. If necessary, we pursue legal action on your behalf to ensure fair treatment under Florida law.

Legal Support for Insurance Disputes in Florida

FAQs

Q: Does Tower Hill cover seawall or dock damage?

Usually not under standard homeowners policies. You may need a rider or marine-specific coverage.

Q: What if my claim gets partially approved?

You can still dispute the offer. Louis Law Group can review your estimate and compare it with your policy coverage.

Q: Are assessments included in my condo insurance through Tower Hill?

Yes, but only if you have loss assessment coverage, which is usually optional. Check your HO-6 policy for details.

Q: Can I cancel my policy mid-year without penalty?

Yes. Florida allows homeowners to cancel any policy with a pro-rated refund, but always secure new coverage before canceling.

Conclusion

Owning a home in Delray Beach is a dream for many—but with coastal living comes real risk. Tower Hill Insurance offers solid coverage for Florida homeowners, but issues can arise when it’s time to file a claim.

If you're facing a delayed payout, denied claim, or confusing policy language, the experienced attorneys at Louis Law Group are here to help Delray Beach residents fight back and receive the coverage they deserve.

Are you confident that your Tower Hill policy truly protects your Delray Beach home?

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.