Tower Hill Insurance Exchange in Davie: Your Complete Guide to Filing a Claim

As a homeowner in Davie, you understand how vulnerable your property can be to weather-related damage—from heavy rains to windstorms, fallen trees, and roof leaks. When the unexpected happens, you turn to your insurer. For many locals, that’s Tower Hill Insurance Exchange.

But unfortunately, filing a claim doesn’t always guarantee a fast or fair payout. This article explains exactly how to file your Tower Hill claim, what to watch out for, and how to protect yourself if your insurer stalls or denies your claim.

About Tower Hill Insurance Exchange

Tower Hill Insurance Exchange is a Florida-based reciprocal insurance provider. That means it’s owned by the policyholders it serves. While this model is designed to prioritize member needs, many homeowners report frustration during the claims process.

Their typical policy coverage includes:

• Windstorm and hurricane damage

• Water leaks, pipe bursts, and moisture intrusion

• Fire, smoke, and lightning-related damage

• Theft and vandalism

• Loss of use (if your home becomes uninhabitable)

📍 Davie Insight: Many Davie homes are located near canals or wooded areas, increasing the risk of storm surge, fallen branches, and flood-related damage. These details can affect your claim type and how it's handled.

How to File a Property Claim in Davie

Filing a claim correctly is crucial. Here’s how Davie homeowners can submit a Tower Hill claim the right way:

✅ Step 1: Secure the Area and Document the Damage

• Take photos and videos of all damage areas—interior and exterior

• Include date stamps or news screenshots from the weather event

• Save all repair estimates and emergency service invoices

✅ Step 2: File Promptly

• Submit your claim at https://www.thig.com using Tower Hill’s online portal

• Call their claims line if you need assistance

• Include all requested details: date of loss, damage description, and any temporary repairs

✅ Step 3: Submit Backup Documents

• Upload repair quotes, inspection reports, and receipts

• Provide written descriptions of how the damage occurred

• Organize your file by category: photos, estimates, correspondence

📌 Pro Tip for Davie Residents: If you live in older areas of Davie, insurers may argue that damage is from "wear and tear." Be ready to counter with recent inspection reports or contractor statements.

Common Issues Faced by Davie Homeowners

Homeowners in Davie report a number of recurring issues when dealing with Tower Hill claims:

• Long response times after filing

• Lowball estimates that don’t cover actual repair costs

• Denied claims based on “pre-existing conditions”

• Repeated requests for documents you already submitted

Even when you follow all the steps, your claim can still be undervalued or mishandled.

🔗 Related: What to Do When Your Florida Property Claim Is Denied

What to Do If Tower Hill Undervalues or Denies Your Claim

If you’re unsatisfied with the claim outcome—or haven’t received a decision at all—take these steps:

• 🟡 Step 1: Request a Written Explanation Get the exact reason for the denial or valuation. It may be vague, but it gives you a starting point to challenge the decision.

• 🟡 Step 2: Bring in Independent Experts Contractors, home inspectors, or public adjusters can assess the real cost of repairs and strengthen your case.

• 🟡 Step 3: File a Dispute or Supplemental Claim Include new evidence, updated quotes, and any professional statements that support your damage claim.

• 🟡 Step 4: Speak with a Property Damage Attorney If Tower Hill continues to delay or underpay, legal action may be necessary. A lawyer can file a formal complaint or lawsuit if needed.

Legal Help from Louis Law Group for Davie Residents

At Louis Law Group, we’ve helped countless Davie and Broward County homeowners hold insurance companies accountable—especially when Tower Hill fails to respond or offers less than what's fair.

Here’s how we help:

✅ We review your claim for free

✅ We handle all communication with Tower Hill

✅ We submit disputes or legal filings when appropriate

✅ You pay nothing unless we recover money for you

🔗 Related: Tower Hill Insurance Exchange in Lakeland: How to File Claims and Protect Your Home’s Value

Whether your home was damaged by wind, water, or fire—our attorneys will fight to make sure your claim gets the full attention it deserves.

FAQs

Q1: What if I missed the 30-day deadline to notify Tower Hill of the damage? You may still have options. Contact a lawyer to assess whether your delay was justifiable under Florida’s “notice of loss” rules.

Q2: Can I switch contractors after Tower Hill sends theirs? Yes. You have the right to hire your own licensed contractor and submit their estimate for payment.

Q3: How long does Tower Hill have to settle my claim? By Florida law, insurers must pay or deny within 90 days of receiving the claim.

Q4: Does Tower Hill cover temporary housing in Davie? Yes, if your policy includes Loss of Use coverage and your home is deemed uninhabitable.

Q5: My claim is still pending after two months—what now? Call Tower Hill, request a status update in writing, and consider legal help if there’s no clear resolution timeline.

Conclusion

Dealing with property damage is stressful enough—you shouldn’t also have to fight your insurance company. If your home in Davie was damaged by a storm, leak, or accident, and your Tower Hill claim is dragging, denied, or underpaid, you have options.

Louis Law Group is here to help you protect your rights and recover the full payout your policy promises.

Is Tower Hill giving your Davie claim the urgency—and fairness—it deserves?

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.