Best Practices for Filing a Claim with Tower Hill Insurance Group in Jacksonville

If you own a home in Jacksonville, Florida, you know how unpredictable the weather can be. From hurricanes to flash floods, your property is always at risk of sudden damage. That’s where Tower Hill Insurance Group comes in, offering insurance policies designed for Florida’s specific needs. But when disaster strikes, simply having coverage isn’t enough—you also need to know how to file your claim correctly and avoid common pitfalls.

This article walks you through the best practices for filing a property damage claim with Tower Hill in Jacksonville, and what to do if problems arise.

Understanding Tower Hill Insurance Group

Tower Hill Insurance Group is a long-established Florida-based company providing home and property insurance. With multiple subsidiaries like Tower Hill Prime and Tower Hill Preferred, they offer a variety of policies that cater to homeowners, renters, and landlords.

Tower Hill’s policies are commonly chosen by Jacksonville residents for their storm and flood-related options, making them a go-to insurer for properties near the coast or flood zones.

🔗 Official website for Tower Hill Insurance Group

Coverage Options for Jacksonville Homeowners

Tower Hill offers several insurance products tailored to Florida’s high-risk zones:

• Standard Homeowners (HO-3) – Covers structure, contents, and liability

• Windstorm and Hurricane Coverage – Crucial in hurricane-prone areas like Jacksonville

• Flood Insurance Add-ons – Optional but vital, as most homeowners’ policies don’t include flood coverage

• Condo & Renters Policies – Coverage for interior damage or stolen property

Make sure to review your declarations page and endorsements to know exactly what your policy includes.

🔗 Related: Understanding Windstorm Damage Insurance in Florida

Common Claims Filed in Jacksonville

Jacksonville’s geography exposes homeowners to specific risks, including:

• Hurricane and wind damage

• Roof leaks from tropical storms

• Flooding from the St. Johns River or heavy rain

• Fire and lightning strikes

• Mold caused by moisture buildup

Being aware of what other homeowners commonly face helps you stay prepared with proper documentation and proactive maintenance.

🔗 FEMA’s Jacksonville-specific flood maps

Steps to File a Tower Hill Claim Successfully

Filing a claim involves a series of steps. Here’s how to do it efficiently:

• Secure the Property Make temporary repairs to prevent further damage. Take photos before and after.

• Report the Damage Call Tower Hill’s 24/7 claims hotline or file online at https://www.thig.com.

• Submit Documentation Upload photos, repair estimates, receipts, and any relevant reports.

• Schedule an Inspection A claims adjuster will assess the damage and may request additional evidence.

• Track the Claim Monitor status updates via the portal and respond to any document requests promptly.

• Review the Settlement Offer Carefully review the payout offer. Compare it with repair estimates before agreeing.

Best Practices for Faster Claim Approval

To help your claim move smoothly:

• Keep a digital folder with labeled documents and photos

• Respond quickly to adjuster requests

• Include repair estimates from licensed Florida contractors

• Document temporary repairs to show effort in preventing further loss

• Follow up regularly if you don’t hear back within 5 business days

Policy Exclusions to Be Aware Of

Every insurance policy has exclusions. Common ones in Tower Hill policies include:

• Negligence or pre-existing damage

• Wear and tear or lack of maintenance

• Flooding (unless a separate flood policy is purchased)

• Mold not reported within a specified time

• Luxury items (jewelry, electronics) beyond coverage limits unless scheduled separately

Knowing what’s not covered can help you avoid surprises during the claims process.

When to Contact a Property Damage Attorney

Not all claims go smoothly. Watch for red flags:

• You receive a low settlement offer

• Your claim remains “under review” for weeks

• The adjuster stops responding

• You’re asked to sign a release prematurely

When this happens, it’s time to consult with a legal team experienced in insurance disputes.

How Louis Law Group Helps Jacksonville Residents

If you’re facing issues with your Tower Hill claim in Jacksonville, the team at Louis Law Group is here to help. We specialize in property damage disputes and can:

• Review your claim and identify missing evidence

• Challenge unfair denials or delays

• Negotiate a better settlement

• Represent you in mediation or court if needed

🔗 Explore: What to Do If Your Property Claim Is Denied

Our attorneys have extensive experience handling insurance claims throughout Florida and are committed to helping homeowners in Jacksonville recover what they’re owed.

FAQs

Q: Can I file a claim even if I haven’t received a full contractor estimate? Yes. Start your claim with photos and a basic description. Submit the estimate as soon as it’s ready.

Q: How long does Tower Hill have to resolve my claim? Florida law requires insurers to pay or deny claims within 90 days of filing. Delays beyond this period can be challenged.

Q: Do I have to use Tower Hill’s contractors? No. You have the right to hire your own licensed contractors for repairs.

Q: Will my rates increase after a claim? Possibly. It depends on the type of claim and your history. Windstorm and hurricane claims are more likely to impact your premiums.

Q: Can I reopen a closed claim if more damage is found? Yes. You may reopen a claim for supplemental damage, especially if it relates to the same event.

Conclusion

Dealing with home damage in Jacksonville is stressful enough—you shouldn’t have to struggle with the claims process too. By following the best practices outlined here, you can file your Tower Hill Insurance claim confidently, avoid common errors, and take control of your recovery journey.

And if you face resistance or delays, Louis Law Group is here to stand by your side and protect your interests. Have you taken all the right steps to ensure your property claim gets the attention it deserves?

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.