Suing Tower Hill Insurance in Florida (2026)

How to Sue Tower Hill Insurance in Florida

When Tower Hill Insurance Group denies your property damage claim or offers far less than what your repairs actually cost, filing a lawsuit may be the only way to get the compensation you are owed. Tower Hill, headquartered in Gainesville, Florida since 1972, is one of the most frequently sued property insurers in the state. Florida homeowners have the legal right to hold Tower Hill accountable through the courts.

This guide covers when you have grounds to sue, the mandatory pre-suit steps, the litigation process, and the damages you can recover.

When You Have Grounds to Sue Tower Hill

You may have a valid legal claim against Tower Hill if:

• Wrongful denial: Tower Hill denied a claim for a loss that is covered under your policy.
• Underpayment: Tower Hill paid some of the claim but offered significantly less than the actual cost of repairs.
• Breach of contract: Tower Hill failed to fulfill its obligations under the insurance policy.
• Bad faith: Tower Hill engaged in unfair claims practices, including unreasonable delays, inadequate investigation, or dishonest handling of your claim.
• Missed statutory deadlines: Tower Hill failed to pay or deny your claim within the timeframes required by Florida law.

Pre-Suit Requirements

For Breach of Contract Claims

Florida law imposes specific pre-suit obligations before you can file a property insurance lawsuit:

1. Ensure the claim is properly filed: Your claim must have been submitted to Tower Hill with all required documentation, including any sworn proof of loss.
2. Pre-suit notice: Under Florida Statute 627.70152, you must provide Tower Hill with written notice at least 10 business days before filing suit. The notice must describe the specific claim, the disputed amount, and the basis for the dispute.
3. Allow time for response: Tower Hill has the opportunity to inspect the property, review the claim, and make a settlement offer during the pre-suit notice period.

For Bad Faith Claims

1. File a Civil Remedy Notice (CRN): Under Florida Statute 624.155, you must file a CRN with the Florida Department of Financial Services.
2. 60-day cure period: Tower Hill has 60 days from the CRN filing date to cure the alleged bad faith violation.
3. Resolve the underlying claim first: Typically, you must establish that Tower Hill owed more than it paid on the underlying claim before pursuing bad faith.

Florida First-Party Property Insurance Litigation Process

Once pre-suit requirements are satisfied, here is how a lawsuit against Tower Hill typically proceeds:

1. Filing the complaint: Your attorney files a complaint in the appropriate Florida circuit court, detailing the policy provisions, the facts of the claim, Tower Hill's breach, and the damages sought.
2. Service and response: Tower Hill is served with the lawsuit and typically has 20 days to file an answer. Their answer will include affirmative defenses such as policy exclusions, late notice, or failure to comply with policy conditions.
3. Discovery: Both sides exchange documents and information through interrogatories, requests for production, and depositions. Discovery of Tower Hill's internal claim file — including adjuster notes, supervisor emails, and reserve information — is critical.
4. Expert witnesses: Both sides retain experts. For property damage cases, this typically includes contractors, engineers, or public adjusters who can testify about the cause and cost of the damage.
5. Mediation: Florida courts generally require mediation before trial. Mediation is a structured negotiation session with a neutral mediator. A significant percentage of Tower Hill cases settle at or after mediation.
6. Trial: If mediation fails, the case proceeds to a bench or jury trial. The factfinder determines whether Tower Hill breached the policy and the amount of damages.

What Damages You Can Recover

• Policy benefits: The full amount owed for the covered loss, minus any applicable deductible.
• Prejudgment interest: Interest on the unpaid amount from the date it should have been paid.
• Attorney fees: Depending on when your policy was issued and the applicable statutory framework, you may be entitled to recover attorney fees from Tower Hill.
• Litigation costs: Filing fees, deposition costs, expert witness fees, and other expenses incurred during the lawsuit.
• Bad faith damages: If a separate bad faith claim is established, additional damages may include consequential damages, emotional distress, and potentially punitive damages.

Louis Law Group Litigation Results

Louis Law Group has litigated numerous cases against Tower Hill and its subsidiaries. Our litigation approach includes:

• Case-specific strategy: Every Tower Hill case is different. We develop a tailored litigation plan based on the specific facts, policy language, and Tower Hill's stated basis for denial or underpayment.
• Aggressive discovery: We pursue Tower Hill's internal files aggressively. Adjuster notes, supervisor instructions, and engineering reports often reveal inconsistencies that strengthen the policyholder's case.
• Expert support: We retain experienced engineers, contractors, and industry professionals to document damages and counter Tower Hill's expert opinions.
• Trial preparation: Insurance companies negotiate more seriously when they know the opposing attorney is prepared to go to trial. We prepare every case with trial readiness as the goal.

All cases are handled on a contingency fee basis — no fees unless we recover for you.

Frequently Asked Questions

How long do I have to file a lawsuit against Tower Hill?

The statute of limitations for breach of an insurance contract in Florida is generally five years. However, your Tower Hill policy may include a shorter contractual limitations period. Do not delay — consult an attorney as soon as possible.

Can I sue Tower Hill in federal court?

Most property damage lawsuits against Tower Hill are filed in Florida state circuit court. Federal court is available if diversity jurisdiction exists (the parties are citizens of different states and the amount in controversy exceeds $75,000), but state court is typically preferred for Florida insurance disputes.

How long does a lawsuit against Tower Hill take?

Most Florida property insurance lawsuits resolve within 6 months to 2 years. Cases that settle at mediation resolve faster, while cases that go to trial take longer.

What if Tower Hill makes a settlement offer during the lawsuit?

Your attorney will evaluate any offer against the full value of your claim and the strength of the evidence. You always have the final say on whether to accept a settlement.

Is it worth suing Tower Hill over a small claim?

It depends on the amount at stake and the strength of your case. Because Louis Law Group works on contingency, there is no upfront cost to you. We evaluate each case on its merits and will advise you honestly about whether litigation is likely to be worthwhile.

Take Legal Action Against Tower Hill

If Tower Hill Insurance has wrongfully denied or underpaid your Florida property damage claim, Louis Law Group can help you pursue the compensation you deserve through litigation.

Call (833) 657-4812 or submit your claim for a free case evaluation.