Tower Hill Insurance Exchange in West Palm Beach: File Your Claim Right and Protect Your Rights

If you're a homeowner in West Palm Beach, you know how quickly your property can be affected by Florida’s unpredictable weather—hurricanes, wind, roof leaks, and sudden plumbing disasters are just part of life here.

If you're insured by Tower Hill Insurance Exchange, you might expect a quick and fair claims process. But in reality, many West Palm Beach residents face unnecessary delays, low settlement offers, or outright denials—even when the claim seems straightforward.

This guide will help you file a strong claim, identify red flags, and explain when to seek legal help to protect your rights.

What Is Tower Hill Insurance Exchange?

Tower Hill Insurance Exchange is a Florida-based reciprocal insurer offering residential policies to homeowners across the state, including West Palm Beach.

Their standard coverage typically includes:

• Windstorm and hurricane damage

• Water leaks and pipe bursts

• Fire, smoke, and lightning damage

• Theft and vandalism

• Loss of use coverage (if your home is unlivable)

Unlike traditional insurers, Tower Hill operates as a reciprocal exchange, meaning the policyholders collectively share risk. While this sounds like a benefit, it often results in conservative payouts—especially during high-volume claim periods like hurricane season.

📌 West Palm Insight: After recent hurricanes, many homeowners in Palm Beach County reported slow inspections and settlement offers that failed to cover actual repair costs.

Filing a Property Damage Claim in West Palm Beach

A successful claim starts with organization and evidence. Here’s what West Palm Beach homeowners need to do:

✅ Step 1: Gather Detailed Evidence

• Take timestamped photos and videos from multiple angles

• Create a written inventory of damaged personal property

• Keep receipts for temporary repairs or cleanup services

• Save local weather alerts (NOAA, local news) that align with the date of damage

✅ Step 2: File the Claim Promptly

• Go to https://www.thig.com and log into the claims portal

• Or call Tower Hill's claims line if you need immediate assistance

• Be specific and factual in your damage description

✅ Step 3: Submit Supporting Documentation

• Contractor estimates

• Receipts for mitigation services

• Photos and reports from professionals (plumbers, roofers, etc.)

✅ Step 4: Monitor and Follow Up

• Check your claim status online weekly

• Respond to any documentation requests promptly

• Log all conversations with your adjuster

📍 Local Tip: West Palm Beach's coastal exposure increases risk for saltwater corrosion—include this context in your claim to help justify repair costs.

Common Pitfalls West Palm Beach Homeowners Should Avoid

Even if your claim is valid, these common mistakes can lead to denial or low payouts:

• Not documenting everything: Missing photos, repair invoices, or weather reports can weaken your case.

• Accepting the first settlement offer without comparison to real repair quotes

• Relying solely on Tower Hill’s contractors, who may underestimate the true damage

• Failing to follow up regularly on a claim in progress

🔗 Related: How to Strengthen Your Property Insurance Claim in Florida

🛑 Warning: Never sign a release or settlement offer unless you’re certain it covers the full cost of restoring your home.

What to Do If Your Claim Is Mishandled or Undervalued

If Tower Hill delays or undervalues your claim—or denies it outright—you have legal rights under Florida law.

Here’s what to do:

🟡 Step 1: Request a Full Explanation

• Ask Tower Hill for a detailed denial letter or valuation summary in writing.

🟡 Step 2: Secure an Independent Inspection

• Bring in a licensed contractor or public adjuster to assess the actual damage. This often highlights discrepancies.

🟡 Step 3: Submit a Supplemental Claim or Dispute

• You have the right to reopen your claim if additional damage is discovered or repair costs increase.

🟡 Step 4: Contact a Property Damage Attorney

• When negotiation fails, an experienced lawyer can file a Civil Remedy Notice or even initiate litigation for bad faith conduct.

How Louis Law Group Supports West Palm Beach Homeowners

At Louis Law Group, we’ve helped countless West Palm Beach homeowners recover what they’re rightfully owed—even after their claims were denied or underpaid by companies like Tower Hill.

Our services include:

• Free claim and policy reviews

• Handling all adjuster and insurer communication

• Submitting disputes or reopening underpaid claims

• Filing lawsuits when insurers act in bad faith

We specialize in hurricane, water, roof, and mold damage—common in homes across Palm Beach County.

🔗 Related: Tower Hill Insurance Exchange in Palm Bay: Guide to Filing Successful Property Claims

💡 You pay nothing unless we win or settle your case.

FAQs

Q1: Does Tower Hill cover roof damage caused by wind? Yes, but only if your policy includes windstorm or hurricane coverage. You may have a separate deductible for wind events.

Q2: What’s the deadline to file a property claim in Florida? You generally have one year from the date of discovering the damage, but sooner is always better.

Q3: Can I switch contractors if I’m not happy with the estimate? Absolutely. You're not required to use Tower Hill's vendors. Get multiple bids and submit the best one.

Q4: Can I get compensation for temporary housing? Yes—if your policy includes loss of use coverage and your home is deemed uninhabitable.

Q5: What happens if I already accepted partial payment? You may still file a supplemental claim if additional damage is found or repair costs rise.

Conclusion

Tower Hill Insurance Exchange may promise protection, but for many West Palm Beach homeowners, getting a fair payout isn’t automatic. Filing your claim right is just the start—you must also advocate for yourself when delays, denials, or low offers occur.

Louis Law Group is here to help you hold your insurer accountable. From first inspection to final settlement, we’re ready to fight for your rights—and make sure your home and family are fully protected.

Are you confident your Tower Hill claim will cover everything you’ve lost?

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.