Tower Hill Insurance in Plantation, FL: Guide to Coverage, Claims & Legal Support

Plantation, Florida, is a peaceful suburb of Fort Lauderdale known for tree-lined streets, family neighborhoods, and a growing population. But like much of South Florida, Plantation faces regular threats from hurricanes, tropical storms, and flooding. That’s why many residents rely on Tower Hill Insurance to protect their homes and property.

While Tower Hill offers tailored Florida homeowner policies, many Plantation residents find themselves underinsured, confused by exclusions, or frustrated with delayed or denied claims. This article breaks down what Tower Hill offers, how it applies in Plantation, and how Louis Law Group can help when issues arise.

Why Tower Hill Insurance Is Popular in Plantation

Tower Hill Insurance has served Florida since 1972 and offers several policy options through companies like Tower Hill Signature and Tower Hill Prime. Plantation homeowners often choose Tower Hill because it provides:

• Windstorm and hurricane coverage

• Optional flood, mold, and equipment breakdown endorsements

• Special policies for older homes, common in Plantation’s established neighborhoods

• Access to independent agents across Broward County

However, understanding the limits, exclusions, and deductibles in your policy is key to avoiding unpleasant surprises when you file a claim.

Common Property Insurance Issues in Plantation

Despite its inland location, Plantation is vulnerable to hurricane-force winds, torrential rain, and tree-related damage. Here’s how Tower Hill Insurance policies interact with Plantation’s risks:

1. Hurricane and Windstorm Damage The most frequent claims in Plantation stem from wind-damaged roofs, broken windows, and water intrusion. Tower Hill typically covers this—but hurricane deductibles are high and can limit your payout.

Explore more in Understanding Hurricane Deductibles in Florida.

2. Tree Damage and Debris Plantation’s name reflects its landscape: heavy tree coverage. Downed trees often damage fences, sheds, and roofs. Tower Hill may limit coverage for tree removal and yard cleanup, so be sure to check that section of your policy.

3. Water Damage from AC or Plumbing Failures Plantation homes—especially older ones—often suffer pipe bursts or HVAC leaks. While Tower Hill may cover sudden water damage, they often deny claims for mold or gradual leaks without optional endorsements.

Learn what to do in Water Damage Claims in Florida.

Tower Hill Claim Issues Homeowners in Plantation Report

Some of the most frequent frustrations Plantation homeowners share with us about Tower Hill Insurance include:

• Slow responses after a storm

• Lowball repair estimates that don’t reflect actual contractor costs

• Denials based on “pre-existing damage” or “lack of maintenance” arguments

• Delays in payment or unexplained claim reassignments

Many clients don't know they can challenge these decisions. Louis Law Group helps Plantation residents navigate these disputes and seek full compensation.

What to Do After Property Damage in Plantation

If your home in Plantation suffers storm or accidental damage, here’s a proven checklist:

✅ 1. Photograph and Video the Damage Use your phone to take time-stamped photos of both the damage and surrounding areas.

✅ 2. Protect the Property Tarp the roof, shut off water, and prevent further loss. Insurers require you to take “reasonable steps” to reduce damage.

✅ 3. Call Your Own Inspector Before accepting Tower Hill’s adjuster report, get a second opinion from a local licensed contractor or public adjuster.

✅ 4. File Quickly and Track Communication You have 1 year to file hurricane-related claims under current Florida law. Keep written records of all communications with Tower Hill.

Use this free legal checklist: Steps to Take After Storm Damage.

How Louis Law Group Supports Tower Hill Policyholders in Plantation

At Louis Law Group, we specialize in helping homeowners in cities like Plantation who face trouble with their insurance company. Whether Tower Hill:

• Delays your claim

• Offers less than your repair cost

• Denies your claim unfairly

We’ve worked with dozens of Tower Hill policyholders and know how to interpret policy language and challenge unfair practices.

Visit: What to Do When a Claim is Denied

FAQs

Q: Does Tower Hill cover broken fences or gates?

Yes, under Other Structures Coverage (Coverage B). But payout limits are often capped and may not cover full replacement if wind-related.

Q: Are solar panels on my roof covered?

Yes, but you must disclose them. If added after the policy started, failure to inform Tower Hill could void related claims.

Q: Can Tower Hill drop my coverage after one claim?

Florida law prohibits cancellation solely based on one claim. However, non-renewal can occur after multiple claims or if your home is deemed too high-risk.

Q: Do I need a separate policy for mold?

Yes. Mold coverage is often limited or excluded in standard policies. In a humid city like Plantation, mold remediation costs can be steep, so endorsements are worth considering.

Q: Is wind-driven rain covered?

Only if wind first caused an opening in the building envelope (e.g., broken window or roof damage). Otherwise, Tower Hill may deny the claim.

Conclusion

Living in Plantation, Florida, means facing natural risks head-on—from hurricanes to heavy rainfall and storm-related damage. Tower Hill Insurance can be a useful tool—but only when it works properly. If you experience delays, lowball offers, or denied claims, you don’t have to fight alone.

Louis Law Group is ready to help you review your policy, dispute wrongful decisions, and recover the funds you need to repair and rebuild.

Is your Tower Hill policy really protecting your Plantation home—or just protecting the insurance company?

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.