Filing a Claim with Tower Hill Insurance Exchange in Weston: Your Step-by-Step Guide

Weston, Florida, is known for its planned communities, lush greenery, and family-friendly living—but it’s still located in one of the most hurricane-prone regions in the U.S. Whether it’s wind damage, flooding, or roof leaks, homeowners in Weston are no strangers to unexpected property loss.

That’s why many residents trust Tower Hill Insurance Exchange for coverage. But when it comes time to file a claim, many homeowners are left confused or frustrated. This guide will help you understand the claims process with Tower Hill, what pitfalls to avoid, and how to take action if your claim isn’t resolved fairly.

What Is Tower Hill Insurance Exchange?

Tower Hill Insurance Exchange is a reciprocal insurance provider serving Florida homeowners. It operates on a shared-risk model, where members contribute premiums to a common fund used to pay claims. Weston policyholders typically receive coverage for:

• Storm, wind, and hail damage

• Burst pipes or water leaks

• Fire or smoke damage

• Theft, vandalism, or other property-related losses

Tower Hill supports its members through an online claims portal and phone-based support, allowing for convenient filing and communication. But convenience doesn’t always guarantee results.

How to File a Claim with Tower Hill in Weston

Here’s how Weston homeowners can properly file a property claim with Tower Hill:

Step 1: Assess and Document the Damage Start by taking these steps:

• Photograph and video all visible damage (interior and exterior)

• Make a list of affected items and areas

• Gather receipts, estimates, and repair invoices

• Note the time, date, and suspected cause of the damage

Step 2: Initiate the Claim You can file by:

• Visiting www.thig.com and clicking “Report a Claim”

• Calling Tower Hill’s claims hotline at 1-800-342-3407

Have the following ready:

• Your policy number

• Description of the event

• Your contact information and property address

Step 3: Cooperate with the Adjuster Tower Hill will assign a claims adjuster. Be prepared to:

• Allow an inspection of your home

• Answer follow-up questions

• Provide any missing documents

Step 4: Use the Online Claims Portal The portal allows you to:

• Upload supporting documents

• View updates and correspondence

• Track claim status in real time

Practical Tip: Create a claim binder or digital folder where you save all submitted forms, messages, and documentation. This can make or break your case if there's a dispute later.

Common Problems Weston Homeowners Face with Tower Hill

While the process seems straightforward, many Weston policyholders encounter setbacks that slow their recovery or reduce compensation. Be aware of these issues:

Slow Claim Processing

• Backlogs after storms or natural disasters can delay the entire claims cycle. Florida law requires insurers to respond within 14 days—but delays still happen.

Lowball Estimates

• Tower Hill may offer settlements that don’t fully cover Weston-area contractor costs, especially for roofs, windows, and water mitigation.

Policy Misinterpretations

• Insurers may deny claims by classifying damage as “wear and tear” or “excluded peril,” even when caused by storms.

Portal Glitches or Lack of Communication

• Homeowners often report long gaps in updates or unclear instructions when using the portal or dealing with adjusters.

Need help responding to a claim denial? Read What to Do If Your Property Damage Claim Is Denied

How Louis Law Group Supports Weston Residents

At Louis Law Group, we understand that even the best homeowners insurance isn’t helpful if your claim is denied or underpaid. We’ve worked with Weston residents facing exactly these frustrations.

We help by:

• Reviewing and interpreting your Tower Hill policy

• Identifying gaps or errors in the adjuster's estimate

• Gathering expert assessments to support your case

• Negotiating with the insurer for fair compensation

• Taking legal action when necessary

Recently, we helped a Weston family recover triple the initial offer after their wind damage claim was undervalued. Without proper representation, they might have been left covering most of the repairs themselves.

Get trusted support here: Insurance Claim Help Center

FAQs About Tower Hill Claims in Weston

Q1: How long do I have to file a claim after property damage? Most claims must be filed within one year of the incident, but filing as soon as possible is always recommended.

Q2: What if I already started repairs? You can still file, but you’ll need before-and-after photos and repair receipts to justify the costs.

Q3: Can I appeal a settlement amount from Tower Hill? Yes. You have the right to challenge low settlements. An insurance attorney can help build a strong case.

Q4: Is there a fee for hiring Louis Law Group? We work on a contingency basis, meaning you don’t pay unless we recover additional compensation for you.

Q5: Can I file both online and by phone? Yes. Filing online is convenient, but following up by phone can help speed up the response—especially after major storms.

Conclusion

Filing a property damage claim with Tower Hill Insurance Exchange in Weston doesn’t have to be overwhelming. If you document your loss thoroughly and stay on top of communications, you’ll have a stronger chance of success. But if your claim is delayed, denied, or underpaid, you don’t have to fight it alone.

Louis Law Group is here to help Weston homeowners get the fair treatment and compensation they deserve.

Is your Tower Hill claim giving you trouble or falling short of covering your repair costs?

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.