Tower Hill Insurance Exchange in Palm Coast: How to Handle Underpaid or Delayed Property Claims

Dealing with property damage is hard enough. But when your insurance company delays or underpays your claim, the frustration can become overwhelming. For homeowners in Palm Coast, Florida, these issues are becoming more common—especially with growing storm activity and rising repair costs.

If you’re insured with Tower Hill Insurance Exchange and facing claim delays or a low settlement, this guide explains exactly what to do—and how to fight back to get the payout you deserve.

Why Property Claims Are Delayed or Underpaid in Palm Coast

Palm Coast is vulnerable to tropical storms, flooding, and roof damage from wind or falling trees. While insurance is meant to help, claim delays and underpayments are unfortunately common.

Why it happens:

• High claim volume during hurricane season

• Quick inspections that miss hidden damage

• Software-generated repair estimates that are too low

• Adjusters under pressure to limit payouts

• Vague exclusions used to avoid coverage

Tower Hill Insurance: What You Need to Know

Tower Hill Insurance Exchange is a reciprocal insurance carrier. This means policyholders share the risk pool, and claims are funded from collective premiums.

In Florida, Tower Hill covers:

• Wind and hurricane damage

• Interior water intrusion

• Roof damage

• Mold remediation (when linked to a covered loss)

But like all insurers, Tower Hill evaluates claims based on policy language, adjuster inspections, and supporting evidence. If anything is missing or unclear, they may delay processing or offer less than what repairs truly cost.

Red Flags That Your Claim Is Being Mishandled

Here are signs your claim may not be handled fairly:

• No adjuster visits your property

• You’re told your damage is “pre-existing”

• The estimate doesn’t cover actual contractor quotes

• You receive partial payment without a full breakdown

• Weeks pass without an update or response

🧠 Smart Tip: Keep a claim journal. Log all communication, calls, emails, and site visits. This paper trail is essential for appeals.

What to Do If Your Claim Is Delayed

If your claim has been pending with Tower Hill for weeks or months with no resolution:

✅ Step 1: Contact Your Adjuster

• Call or email for a status update. Be polite but firm. Request a written explanation of the delay.

✅ Step 2: Escalate to a Supervisor

• If the adjuster is nonresponsive, escalate the issue to a claims supervisor or manager.

✅ Step 3: Submit a Formal Complaint

• Send a certified letter requesting immediate action and reiterating your documentation.

✅ Step 4: Notify Florida’s Department of Financial Services

• File a consumer complaint here: https://www.myfloridacfo.com/

✅ Step 5: Consult a Property Insurance Lawyer

• When delays turn into stonewalling, legal action may be necessary.

How to Respond to an Underpaid Insurance Offer

If Tower Hill offers less than your actual repair costs:

✅ Compare With Contractor Estimates Get 2–3 quotes from licensed contractors. Use these as evidence of what repairs really cost.

✅ Request the Adjuster’s Report

• See how they calculated the payout. Look for missing areas or misidentified damage.

✅ Write a Dispute Letter

• Attach your estimates and explain why the original payout is insufficient. Send this by certified mail.

✅ Request a Reinspection

• Tower Hill may agree to send a second adjuster if you present strong counter-evidence.

✅ Don’t Sign a Release

• Avoid signing any document that waives your right to future claims unless you’re confident the offer is final and fair.

🔗 Dispute your claim the right way with this guide

When to Involve Louis Law Group

Louis Law Group helps Palm Coast homeowners take back control of their claims. If you’re dealing with a delayed or underpaid claim from Tower Hill, we:

• Review your claim for free

• Reopen underpaid or denied claims

• Negotiate directly with your insurer

• File lawsuits if needed to recover full damages

We know Florida insurance law—and we know how to hold companies accountable.

🔗 Contact us for a free consultation

FAQs – Tower Hill Insurance Claims in Palm Coast

Q1: How long should it take to settle a Tower Hill claim? Typically 10–30 business days, but delays are common during hurricane season.

Q2: What if I’ve already accepted a small payment? You may still pursue more if you didn’t sign a full release. Supplemental claims are common.

Q3: Can I use my own contractor, or do I need Tower Hill’s? Yes, you have the right to choose your own contractor.

Q4: Will disputing a claim hurt my renewal chances? Disputes don’t automatically affect renewals. However, overall claim history may be reviewed.

Q5: What if Tower Hill doesn’t respond at all? Document all contact attempts and consider legal action. Insurers are required to respond in good faith.

Conclusion

If you’re a Palm Coast homeowner dealing with a delayed or underpaid claim from Tower Hill Insurance Exchange, you’re not alone. Many policyholders are unfairly compensated—not because of lack of coverage, but because the claim wasn’t handled properly.

By staying organized, knowing your rights, and bringing in legal help when needed, you can hold Tower Hill accountable and recover the full amount you’re owed.

Is your insurance company helping you—or holding you back?

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.