Tower Hill Insurance Exchange Claims in Sunrise: A Complete Guide

In Sunrise, Florida, life is sunny most of the year—but hurricanes, windstorms, and heavy rain can strike at any time. When that happens, homeowners rely on their insurance to protect what matters most.

If you’re covered by Tower Hill Insurance Exchange, you're already a step ahead. Tower Hill is known for offering Florida-specific property insurance. But the claim process isn’t always as smooth as it should be. One small error can lead to delays, low offers, or outright denial of your claim.

This article walks Sunrise residents through the right way to file a claim, how to avoid missteps, and what to do if your payout isn’t fair.

What Is Tower Hill Insurance Exchange and How Does It Work?

• Tower Hill Insurance Exchange is a member-owned property insurance company operating exclusively in Florida. Unlike big national insurers, Tower Hill focuses on Florida-specific risks—like hurricane damage, heavy rains, and wind-driven roof loss.

• What makes Tower Hill unique is its “exchange” model. That means policyholders are members, not just customers. Premiums go into a shared fund to pay out claims across the group. While this model works well for many, it also means your claim must meet certain internal standards before approval.

🔗 What to Do After a Hurricane Damages Your Home

What Types of Damage Does Tower Hill Typically Cover in Sunrise?

Tower Hill policies in Sunrise often include:

✅ Covered Damage:

• Hurricane and windstorm destruction

• Roof and structural damage from falling trees

• Burst pipe or appliance water leaks

• Fire and smoke damage

• Theft or forced entry

• Loss of use (hotel stays while repairs are done)

🚫 Usually Not Covered:

• Flooding from rising water (requires separate flood insurance)

• Damage due to neglect or poor maintenance

• Wear and tear or aging issues

Understanding what your policy includes (and excludes) helps you file smarter and avoid frustration later.

How to File a Strong Property Damage Claim with Tower Hill

Filing correctly is the first step toward getting compensated quickly. Here’s how to do it right:

Step 1: Report the Damage ASAP

• Call Tower Hill’s claims line or log into your policyholder portal. File within 48 hours if possible.

Step 2: Take Clear Photos and Videos Document:

• Damaged areas (roof, walls, flooring, etc.)

• What caused the damage (e.g., broken tree limb or leak)

• Affected belongings like electronics, furniture, or appliances

📌 Tip: Zoom in and take photos in good lighting. Include wide shots and close-ups.

Step 3: Mitigate Further Damage

• Secure the area to prevent more loss. For example, use a tarp on the roof or shut off a leaking water valve. Keep all repair receipts.

Step 4: Schedule the Adjuster Visit

• Tower Hill will assign a field adjuster to inspect your home. Walk them through everything—don’t assume they’ll notice every issue.

Step 5: Submit Your Paperwork This should include:

• All photos and videos

• Itemized repair estimates

• Proof of any emergency work

• Hotel or rental receipts (if applicable)

Avoid These Common Claim Mistakes in Sunrise

Even the best policies can be denied if these errors occur:

• Delaying the report — Waiting too long weakens your claim

• Unclear or missing photos — Insurance adjusters need visual proof

• Inaccurate descriptions — Be honest, but detailed

• Incomplete forms or receipts — Every dollar needs documentation

• Assuming coverage without checking your policy — Know your limits and deductibles

🔗 How to Dispute a Denied or Underpaid Insurance Claim

When to Call Louis Law Group for Claim Assistance

If your Tower Hill claim is denied, delayed, or underpaid in Sunrise, don’t fight the system alone. Louis Law Group can help you:

• Understand your policy in plain English

• Organize and strengthen your documentation

• Negotiate a fair settlement if you receive a lowball offer

• File legal action if necessary to secure the compensation you’re owed

We’ve helped homeowners across Florida get results—especially when the insurance company makes things complicated.

🔗 Talk to Our Property Damage Lawyers

FAQs for Sunrise Homeowners Filing with Tower Hill

Does Tower Hill cover flood damage in Sunrise? No. You’ll need a separate flood insurance policy for water that comes from outside (like rising water or storm surge).

How long does it take to get paid? Most claims are paid within 30–60 days, but this depends on documentation and whether the insurer disputes anything.

What if I don’t agree with the adjuster’s estimate? You can request a reinspection, submit your own estimates, or work with a lawyer to appeal the decision.

Can I use my own contractor for repairs? Yes. You’re not obligated to use Tower Hill’s preferred vendors, but your contractor must be licensed and provide detailed reports.

What happens if Tower Hill denies my claim? You can challenge the denial, request a review, or hire legal help. Many denials are reversed with proper documentation and representation.

Conclusion

Sunrise homeowners depend on their insurance policies to protect against life’s unexpected events. Tower Hill Insurance Exchange provides Florida-focused coverage—but getting paid fairly isn’t automatic.

With the right documentation, communication, and strategy, you can improve your claim outcome. And if Tower Hill pushes back or denies your claim unfairly, Louis Law Group is here to stand with you and fight for your rightful compensation.

Is your insurance company really protecting your home—or just protecting itself?

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.