Tower Hill Insurance Denied Your Claim? What to Do (2026)

Tower Hill Insurance Denied Your Claim in Florida

Tower Hill Insurance Group is one of the longest-operating property insurance carriers in Florida, but a long history does not mean every claim is handled fairly. If Tower Hill has denied your property damage claim, you have options. This guide explains why Tower Hill denies claims, the steps you should take after a denial, and how an experienced attorney can help you recover the benefits you are owed.

About Tower Hill Insurance

Tower Hill Insurance Group has been operating in Florida since 1972 and is headquartered in Gainesville, Florida. The company operates through several subsidiaries, including Tower Hill Prime Insurance Company, Tower Hill Preferred Insurance Company, and Tower Hill Signature Insurance Company. Together, these entities insure hundreds of thousands of residential properties across Florida.

• Headquarters: Gainesville, FL
• Founded: 1972
• AM Best Rating: Varies by subsidiary; historically rated A- (Excellent) for its primary entities
• Market Position: One of the largest and oldest Florida-focused property insurers
• Products: Homeowners (HO-3), condo (HO-6), dwelling fire (DP-3), renters, and flood insurance

Despite its long track record, Tower Hill has faced an increasing volume of complaints from Florida policyholders regarding claim denials, slow processing, and underpayment of legitimate claims.

Common Reasons Tower Hill Denies Claims

Tower Hill employs several strategies to deny or minimize property damage claims:

• Wear and tear exclusion: Tower Hill frequently denies roof and structural damage claims by arguing the damage is due to age, deterioration, or deferred maintenance rather than a covered peril like wind or hail.
• Cosmetic damage endorsement: Many Tower Hill policies include a cosmetic damage exclusion for metal roofs, meaning functional damage must be demonstrated before coverage applies.
• Prior damage or pre-existing conditions: Tower Hill adjusters may claim that the damage predates the reported loss event, particularly for roof claims following a storm.
• Failure to report timely: If you did not report your claim within the timeframe Tower Hill considers reasonable, they may use late notice as a basis for denial.
• Policy lapse or exclusions: Tower Hill may deny a claim based on alleged policy exclusions, such as water damage from gradual leaks, earth movement, or mold not associated with a covered loss.
• Insufficient documentation: The insurer may claim that you failed to provide adequate proof of your loss, even when you submitted substantial documentation.
• Disputing cause of loss: Tower Hill may attribute damage to a non-covered cause. For example, attributing interior water damage to plumbing failure rather than storm-driven rain intrusion.

What to Do When Tower Hill Denies Your Claim

1. Read the denial letter carefully: Tower Hill is required to provide a written denial explaining the specific reasons and policy provisions supporting their decision. Understanding the stated basis for denial is the first step in challenging it.
2. Document everything: Photograph and video all damage. Preserve damaged materials. Keep a written log of all communications with Tower Hill, including dates, times, and the names of representatives you speak with.
3. Obtain an independent damage assessment: Hire a licensed public adjuster or contractor to inspect your property and provide an independent repair estimate. Tower Hill's estimate may not reflect the true cost of repairs.
4. File a Civil Remedy Notice: Under Florida Statute 624.155, you can file a CRN with the Florida Department of Financial Services, putting Tower Hill on notice that you believe they are acting in bad faith. Tower Hill then has 60 days to cure the violation.
5. Contact the Florida DFS: File a formal complaint with the Florida Department of Financial Services if you believe Tower Hill violated Florida insurance regulations.
6. Hire a property damage attorney: An experienced Florida insurance lawyer can evaluate your policy and the denial, identify weaknesses in Tower Hill's position, and pursue recovery through negotiation, appraisal, or litigation.

Bad Faith Warning Signs From Tower Hill

Watch for these indicators that Tower Hill may be handling your claim in bad faith:

• Failing to acknowledge your claim within 14 days of submission
• Not conducting a timely or thorough inspection of your property
• Offering a settlement that is clearly insufficient to cover necessary repairs
• Ignoring or contradicting the findings of your independent adjuster or contractor
• Requiring repeated submissions of the same documentation
• Denying your claim based on a policy provision that does not apply to your situation
• Failing to provide status updates or return phone calls

How to File a Civil Remedy Notice Against Tower Hill

1. Download the CRN form from the Florida Department of Financial Services website.
2. Complete the form with your policy number, claim number, and a detailed description of Tower Hill's alleged bad faith conduct.
3. Submit the CRN to the Florida DFS, which will forward it to Tower Hill.
4. Tower Hill has 60 days to cure the alleged violation by paying your claim or making a fair settlement offer.
5. If Tower Hill fails to cure, you may proceed with a bad faith lawsuit seeking damages beyond your policy limits.

Louis Law Group's Experience With Tower Hill Cases

Louis Law Group has represented numerous Florida homeowners in disputes with Tower Hill Insurance and its subsidiaries. We understand how Tower Hill handles claims internally and the specific arguments their defense attorneys make in litigation.

Our approach includes:

• Detailed policy analysis to identify all applicable coverage
• Independent damage assessment to establish the true value of your claim
• Strategic negotiation with Tower Hill's claims department
• Litigation when Tower Hill refuses to offer a fair settlement

We handle all Tower Hill cases on a contingency fee basis — no fees unless we recover for you.

Frequently Asked Questions

Can Tower Hill deny my claim without sending an adjuster?

Florida law requires insurers to conduct a reasonable investigation. If Tower Hill denied your claim without inspecting your property, this may be grounds for a bad faith claim.

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

Under Florida Statute 627.70131, Tower Hill must acknowledge your claim within 14 days, begin investigation within 10 days of the proof of loss, and pay or deny the claim within 60 days (90 days for hurricane claims).

What if I disagree with Tower Hill's damage estimate?

You have the right to obtain your own estimate. If the gap between estimates is significant, your policy likely contains an appraisal clause that allows both parties to submit the dispute to independent appraisers.

Does hiring a lawyer affect my relationship with Tower Hill?

Hiring an attorney does not negatively impact your claim. In fact, insurance companies often take claims more seriously once legal counsel is involved. Tower Hill is prohibited from retaliating against policyholders who exercise their legal rights.

How much does it cost to hire Louis Law Group for a Tower Hill claim?

Nothing upfront. We work on a contingency fee basis, meaning you only pay if we successfully recover money on your behalf.

Fight Back Against Tower Hill's Denial

If Tower Hill Insurance has denied your Florida property damage claim, do not accept their decision as final. Contact Louis Law Group today for a free consultation and learn how we can help you get the coverage you deserve.

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