Tower Hill Insurance Exchange in Boynton Beach: What Homeowners Need to Know

Living in Boynton Beach, Florida comes with all the perks of coastal living—but also the risks. From heavy rains to tropical storms, property damage can occur suddenly. If you’re insured through Tower Hill Insurance Exchange, it’s essential to understand how their claims process works and how to protect your rights as a policyholder.

This article is your step-by-step guide to filing a claim, avoiding common setbacks, and knowing when to seek legal help—especially for residents in neighborhoods like Chapel Hill, Boynton Lakes, and Valencia Isles.

What Is Tower Hill Insurance Exchange?

Tower Hill Insurance Exchange is a Florida-based mutual insurance company offering:

• Homeowners insurance

• Condo and rental property coverage

• Hurricane and windstorm protection

• Dwelling fire and landlord policies

As a reciprocal insurer, Tower Hill operates under a policyholder-owned model, meaning insured members (called subscribers) contribute to and benefit from a shared pool of risk and profit.

📎 Official Website: Tower Hill Insurance Exchange

Coverage Relevance for Boynton Beach Residents

Boynton Beach homes—especially in flood-prone or storm-exposed areas—face risks such as:

• Wind uplift and roof damage during hurricanes

• Water intrusion from storm surge or blocked drains

• Structural damage from falling trees or debris

• Power surges damaging appliances

Tower Hill policies may include:

• Dwelling replacement cost

• Personal property coverage

• Loss of use coverage (e.g., temporary housing)

• Optional flood endorsements (not standard)

📎 Helpful Reading: Hurricane Damage Insurance Claims Guide

Filing a Claim With Tower Hill Insurance Exchange

✅ Step 1: Assess & Document the Damage

• Take wide-angle and close-up photos

• Record videos showing progression (e.g., leaks)

• Save receipts for emergency repairs or hotel stays

✅ Step 2: Call or File Online

• Call 800-342-3407 or file via MyTowerHill Portal

• Provide details: type of damage, date, location on the property

✅ Step 3: Submit All Supporting Documents

• Include:

• Licensed contractor’s estimate

• Receipts for board-up or water extraction

• Inspection reports (especially post-storm)

✅ Step 4: Stay in Touch With Your Adjuster

• Respond quickly to emails or requests. Ask for a clear timeline on inspections and next steps.

📎 Tip: File within days of discovery. Florida's Notice of Loss Law requires prompt filing for most property claims.

Common Claim Pitfalls in Boynton Beach

Boynton Beach homeowners may face:

• Denials due to late reporting

• Underpayments based on depreciated value

• Exclusions for mold or long-term water damage

• Misunderstanding deductible thresholds (especially for hurricanes)

Claim Tips for Faster Results

• Label uploaded files clearly: “Garage_Flood_2025.jpg”

• Get 2-3 licensed contractor estimates for price validation

• Keep a claim journal with names, dates, and communications

• Request a reinspection if you believe damage was missed

How Louis Law Group Helps Boynton Beach Policyholders

If you filed a claim with Tower Hill and:

• It was denied or undervalued

• Your adjuster is non-responsive

• You're unsure of coverage language

…you don’t have to face it alone. Louis Law Group helps Boynton Beach residents:

• Review policies and denial letters

• File supplemental claims or appeals

• Sue insurers acting in bad faith

📎 More Info: When to Contact a Property Damage Attorney

FAQs – Specific to Tower Hill Claims in Boynton Beach

Can I file a claim after beginning repairs? Yes, but take extensive photos before starting and keep all receipts.

Does Tower Hill cover temporary housing? Yes, if your home is uninhabitable and the coverage is part of your policy.

What if a neighbor’s tree damages my roof? You must still file with your own insurer. You may recover damages later through subrogation.

Is mold damage covered? Only if caused by a covered peril (like a storm-related roof leak) and reported promptly.

What’s the difference between replacement cost and actual cash value? Replacement cost pays for new items. ACV subtracts depreciation, resulting in lower payouts.

Conclusion

For Boynton Beach homeowners, knowing how to use your Tower Hill Insurance Exchange policy effectively is just as important as having it. Whether you’re protecting a beachfront condo or a family home inland, the claims process can be tricky without guidance.

Use your portal wisely, document thoroughly, and don’t hesitate to escalate if you’re facing resistance. And if your claim feels unfairly delayed or reduced, Louis Law Group is here to ensure you're treated lawfully and compensated justly.

Have you double-checked that your Tower Hill policy actually covers the risks your Boynton Beach home faces?

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.