Tower Hill Insurance Exchange in Miami Gardens: How to File Claims

Living in Miami Gardens means dealing with the beauty and unpredictability of South Florida weather. From strong storms to sudden water leaks, property damage can strike at any time. If you're covered by Tower Hill Insurance Exchange, you may be relying on them to help you recover quickly and fairly.

Unfortunately, many homeowners struggle with delays, low settlement offers, or outright denials—even when they file everything by the book. This guide walks you through how to handle your Tower Hill claim the right way and how to get help if things go wrong.

Who Is Tower Hill Insurance Exchange?

Tower Hill Insurance Exchange is a property insurance company that serves homeowners across Florida, including Miami Gardens. They offer coverage for:

• Wind and hurricane damage

• Fire and smoke damage

• Water damage and plumbing failures

• Vandalism, theft, and more

As a reciprocal insurance exchange, Tower Hill operates through a group of policyholders (subscribers) who share risks. While this model may offer flexibility, it doesn’t guarantee smooth claims—especially when disasters affect hundreds of homes at once.

🔎 Note: Tower Hill has faced scrutiny in the past for slow response times and undervalued claims, particularly during hurricane season.

How to File a Claim with Tower Hill in Miami Gardens

Follow these steps to file your claim efficiently and protect your right to a fair payout:

✅ Step 1: Assess the Damage Immediately

• Take detailed photos of all affected areas

• Record videos and label timestamps

• Save weather reports or alerts (especially after a storm)

✅ Step 2: Notify Tower Hill

• File online at https://www.thig.com or call their claims center

• Provide your policy number, date/time of the incident, and a detailed description

✅ Step 3: Submit Supporting Documentation

• Photos, contractor repair estimates, receipts for emergency services

• Any relevant police or fire department reports

✅ Step 4: Stay Involved

• Track your claim through Tower Hill’s online portal

• Follow up with your adjuster regularly

• Document every phone call or message in writing

🛠️ Local Tip for Miami Gardens: If you hire a contractor or remediation company, make sure they’re licensed in Florida and familiar with storm-related repair standards.

Common Claim Issues in South Florida

Miami Gardens homeowners frequently report these issues when filing with Tower Hill:

• Delayed adjuster inspections

• Lowball settlements that don’t match repair estimates

• Denials blaming “pre-existing conditions”

• Slow responses during hurricane season when claim volume spikes

These problems are not unique to Tower Hill—but they require a proactive and informed response to protect your investment.

What to Do If Your Claim Is Denied or Underpaid

If Tower Hill offers less than you need or denies your claim entirely, don’t panic—and don’t accept it right away.

Here’s what you can do:

• Request the denial reason in writing

• Gather independent repair estimates from trusted contractors

• File a formal dispute with Tower Hill

• Speak with a property damage attorney to guide you through the next steps

Florida law gives you the right to challenge bad claim practices. With legal help, you may be able to reopen the claim, negotiate a better payout, or pursue action in court if necessary.

How Louis Law Group Supports Miami Gardens Policyholders

Louis Law Group has a strong track record representing homeowners in Miami Gardens and surrounding areas. If your Tower Hill claim is denied, delayed, or lowballed—we can help.

Here’s what we offer:

• Free claim evaluations

• Full review of your policy coverage

• Handling of all communication with Tower Hill

• Aggressive legal action if your rights are violated

We work on contingency, so you don’t pay unless we recover money for you.

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

FAQs

Q1: How long does Tower Hill take to respond to a claim? Florida law requires a response within 14 days of filing, but real-world delays are common. Follow up consistently.

Q2: Can I use my own contractor? Yes. You are not obligated to use Tower Hill’s preferred vendors. Always get independent estimates.

Q3: What if I disagree with the adjuster’s damage estimate? Submit your own documentation and request a reinspection. You can also involve a lawyer for negotiation support.

Q4: Does Tower Hill cover hurricane damage? Yes—if you have a windstorm or hurricane endorsement. Check your declarations page or ask an attorney to review your policy.

Q5: What if Tower Hill doesn’t respond at all? That may be a breach of Florida’s prompt claims handling rules. Contact an attorney right away.

Conclusion

If you're a homeowner in Miami Gardens and insured by Tower Hill Insurance Exchange, the claims process can either help you recover—or create a new headache. Filing quickly, submitting the right documentation, and following up regularly is crucial. But when the process breaks down, legal support can help turn things around.

At Louis Law Group, we stand up for policyholders whose claims are mishandled, delayed, or denied. We know what it takes to hold Tower Hill and other insurers accountable—and we’re ready to help.

Have you taken the right steps to make sure your Tower Hill claim pays what you truly deserve?

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.