Tower Hill Insurance Exchange in Jacksonville: What Policyholders Should Know

If you're a homeowner in Jacksonville, Florida, having the right insurance coverage is essential—especially with frequent storms, flooding, and property risks in the area. One provider many residents trust is Tower Hill Insurance Exchange, a well-known Florida-based company offering property insurance options tailored to the state’s unique risks.

In this guide, we’ll explain how Tower Hill operates in Jacksonville, how to file a homeowners insurance claim, what to expect during the claims process, and what to do if your claim is denied or underpaid. We’ll also provide resources from the Louis Law Group and external government links to support your insurance journey.

Tower Hill Contact Information for Jacksonville Policyholders

Jacksonville residents can reach Tower Hill Insurance Exchange through the following methods:

• Claims Department: 800-342-3407

• Customer Service: 800-342-3407

• Website: www.thig.com

• Online Claims Portal: Tower Hill Claims Center

These contacts serve all Tower Hill policyholders across Florida, including Jacksonville and surrounding Duval County areas.

Filing a Tower Hill Claim in Jacksonville: Step-by-Step

Here’s a simplified process for filing a homeowners insurance claim if you live in Jacksonville:

1. Assess and Document the Damage

• Take photos and videos of all areas affected. Include both close-ups and wide shots to show the full extent of the damage.

2. Protect Against Further Loss

• Take temporary measures (like tarping a roof or boarding up broken windows) to prevent further damage. Save all receipts for emergency services or materials.

3. Contact Tower Hill

• Call the claims department at 800-342-3407 or file a claim online. Provide policy details, date of the incident, and documentation.

4. Cooperate with the Adjuster

• An adjuster will inspect the damage and create a report. Be honest and detailed in your responses.

5. Follow Up and Track Communication

• Maintain a log of all emails, phone calls, and documents sent. Stay proactive to avoid unnecessary delays.

What To Do If Your Claim Is Delayed or Denied

Sometimes, Tower Hill or other insurers may:

• Offer a low settlement

• Delay adjuster visits

• Deny claims due to alleged policy exclusions

If you suspect unfair treatment, legal support can help you challenge the decision.

The Louis Law Group has assisted Florida homeowners—including residents of Jacksonville—recover the funds they deserve when their insurance companies act in bad faith. Our legal team:

• Reviews denied or underpaid claims

• Negotiates with insurers

• Files lawsuits when necessary

🔗 Insurance Practices – What You Should Know

FAQs

Q: Does Tower Hill cover mold damage in Jacksonville homes?

A: Mold coverage may be limited or excluded. Review your specific policy to determine whether you have mold remediation coverage.

Q: How long does Tower Hill take to resolve a claim?

A: Florida law requires insurers to acknowledge claims within 14 days and resolve most within 90 days. Delays beyond this may be subject to investigation.

Q: Can I use my own contractor for repairs?

A: Yes, but Tower Hill may require estimates and proof that the contractor is licensed and insured.

Q: What’s the difference between Tower Hill Insurance Exchange and Tower Hill Prime or Select?

A: The Exchange is a reciprocal insurance entity, while the others are stock companies. Coverage terms and policy structures may differ.

Q: Are hurricane deductibles separate from standard deductibles?

A: Yes. Florida insurers, including Tower Hill, apply a separate percentage-based deductible specifically for hurricane-related claims.

Conclusion

Living in Jacksonville means enjoying coastal beauty—but also preparing for weather-related risks. Having reliable insurance coverage from providers like Tower Hill Insurance Exchange is essential. Still, policyholders must stay vigilant to ensure their claims are handled fairly and quickly.

If you're facing an issue with your Tower Hill Insurance claim, the Louis Law Group is here to support you with experienced legal guidance specific to Florida law.

Are you prepared to defend your claim and protect your most valuable investment—your 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.