Insights on Navigating Tower Hill Insurance Group Policies and Claims in Florida

Homeowners in Florida know that storm damage, water leaks, and hurricanes are not a matter of if—but when. Having strong insurance coverage is critical. Tower Hill Insurance Group is one of the more recognizable property insurance providers in the state, offering policies tailored to Florida’s unique risks.

In this article, we provide actionable insights on how to work with Tower Hill—from understanding their coverage options to navigating the claims process and knowing when to get legal support.

What Is Tower Hill Insurance Group?

Founded in 1972, Tower Hill Insurance Group is a Florida-based company offering residential and commercial property insurance. It has a reputation for insuring homes against hurricanes, floods, fire, and other structural hazards.

• Their product lineup includes:

• Homeowners Insurance (HO-3 and HO-6)

• Condo and Renters Insurance

• Flood Insurance through the NFIP

• Umbrella and Excess Liability Coverage

• Builder’s Risk and Commercial Property

Their policies are underwritten by several subsidiaries such as Tower Hill Prime, Tower Hill Preferred, and Tower Hill Signature.

🔗 Review Tower Hill’s offerings directly at: https://www.thig.com

Types of Policies Offered in Florida

Tower Hill’s Florida offerings are designed for storm-prone areas. Options include:

• Basic Coverage: For older homes or those with lower rebuild values

• Comprehensive Homeowners: Covers windstorms, water damage, theft, and liability

• Flood Add-ons: Supplemental coverage not always found in standard homeowner policies

• Roof-only policies: Popular in coastal areas with high hurricane risk

It’s important to know that policy limits, deductibles, and coverage exclusions vary between product lines and can be complex to interpret.

Common Reasons for Property Claims in Florida

Florida’s unique climate and geography make these the most common causes of residential insurance claims:

• Wind and hurricane damage

• Roof leaks and collapsed ceilings

• Flooding (both inland and storm surge)

• Mold growth following water damage

• Fire damage due to electrical faults or lightning

Understanding what’s covered before the damage happens is key to avoiding surprises during the claims process.

🔗 See FEMA’s breakdown of Florida-specific risks: https://www.fema.gov/

Filing a Claim with Tower Hill: What to Expect

The Tower Hill claims process includes:

• Initiate the Claim

• Call their 24/7 line at 800-342-3407

• Or submit via the online portal at https://www.thig.com

• Initial Contact

• You’ll be assigned a claims adjuster

• You may receive a temporary claim number for reference

• Damage Assessment

• An inspection is usually scheduled within 3–5 days

• Emergency repairs may be approved in advance

• Documentation and Settlement

• Upload your estimates, receipts, and photos

• A settlement offer will be presented after review

🔗 Need a step-by-step Florida claims checklist? https://www.floir.com/consumers

Documentation Tips for Faster Settlements

Proper documentation can make or break a claim. Here’s what to prepare:

• Photos and video walkthroughs of all damage

• Proof of ownership for high-value items (appliances, electronics, etc.)

• Estimates from licensed Florida contractors

• Copies of permits or code enforcement letters

• Receipts for emergency services or hotel stays

Keep a backup in cloud storage and send it via the Tower Hill portal to reduce delays.

Common Policy Exclusions You Should Know

Policy exclusions can be tricky and often buried in fine print. Here are some that commonly affect Florida residents:

• Flood damage (unless a specific flood policy is added)

• Mold and fungi if not reported promptly

• Wear and tear or long-term neglect

• Undocumented upgrades or additions

• Improper maintenance (e.g., clogged gutters leading to roof damage)

Review your declarations page annually or after renovations to ensure adequate coverage.

When to Seek Legal Help

Sometimes, even valid claims are denied, delayed, or underpaid. Here are warning signs it’s time to consult an attorney:

• You receive a lowball settlement far below contractor estimates

• Your claim status hasn’t changed in over 30 days

• You’re asked for repetitive documentation

• The insurer cites vague policy language to deny your claim

🔗 Explore common insurance denial tactics in Florida: How Insurance Companies Deny Property Claims

How Louis Law Group Can Help Florida Policyholders

At Louis Law Group, we help homeowners across Florida challenge unfair claim practices and enforce the coverage you’ve paid for.

We offer:

• Free policy review to evaluate claim eligibility

• Assistance filing appeals and supplemental claims

• Dispute resolution and litigation when insurers act in bad faith

• Bilingual support for Florida’s diverse communities

🔗 Read more: When to Hire a Lawyer for Your Property Claim

Whether you’re insured with Tower Hill or another provider, we’re here to support you.

FAQs

Q: Can I file a claim directly through my contractor? No. Tower Hill requires the policyholder or an authorized representative to file the claim. Contractors can assist but cannot submit on your behalf without written authorization.

Q: Will my premium increase after a claim? Possibly. Florida insurers can raise premiums after a claim, especially if it involves roof or water damage. However, this depends on your policy type and history.

Q: Can I choose my own contractor for repairs? Yes. You are not obligated to use the insurer’s preferred vendors. Just ensure your contractor is licensed in Florida and provides proper estimates.

Q: Does Tower Hill cover contents inside my home? Only if you have personal property coverage in your policy. Be sure to photograph valuable items and keep a digital inventory.

Q: How long does Tower Hill have to pay a claim? According to Florida law, insurers have 90 days to pay or deny a claim once it is filed, unless factors outside their control prevent timely resolution.

Conclusion

Tower Hill Insurance Group offers a wide range of policies for Florida homeowners, but navigating claims—especially after a loss—requires attention to detail and a firm understanding of your rights. By documenting damage thoroughly, reviewing your policy exclusions, and staying engaged throughout the process, you can protect your home and avoid costly mistakes.

If the claim process becomes overwhelming or unfair, Louis Law Group is here to help you make sense of it all and fight for what’s rightfully yours. Are you ready to take charge of your Tower Hill claim and secure the outcome you 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.