Tower Hill Insurance in Sunrise, FL: Know Before and After Filing a Claim

Sunrise, Florida, is a well-developed city in Broward County with beautiful parks, family-friendly neighborhoods, and easy access to downtown Fort Lauderdale. While it’s an attractive place to live, residents still face real weather threats—from tropical storms and hurricanes to flash floods and lightning damage. That’s why having dependable homeowners insurance is so important in this region.

One of the providers serving the Sunrise area is Tower Hill Insurance, a long-standing name in Florida’s insurance market. If you’re thinking about getting a policy—or you already have one—this guide will help you better understand how Tower Hill works, what risks Sunrise homeowners face, and what to do if you run into problems with a claim.

What Does Tower Hill Offer for Sunrise Homeowners?

Tower Hill Insurance offers several types of property insurance, including:

• Standard HO-3 homeowners insurance

• Coverage for condos, rentals, and older homes

• Hurricane and windstorm protection

• Optional endorsements for flooding, mold, or equipment breakdown

Many residents in Sunrise pick Tower Hill because it’s a Florida-based insurer that understands the risks we face. But like any insurance company, policy details and exclusions can cause problems if you’re not fully informed.

Specific Insurance Challenges in Sunrise, FL

Although Sunrise is inland, it’s not immune to storm-related damage. Here are the top coverage concerns homeowners face in this area:

1. Storm-Related Roof and Water Damage

• Sunrise homes can be hit by strong wind gusts during hurricane season. Roof shingles may blow off, allowing rain to get inside. Even if you have wind coverage, you could face a steep hurricane deductible—often 2% of your home’s insured value.

Helpful resource: Understanding Hurricane Deductibles in Florida

2. Plumbing Failures and Gradual Leaks

• Older properties in Sunrise may have aging plumbing systems. A burst pipe or a slow leak under a sink can lead to serious damage. However, many policies exclude coverage for long-term leaks or mold if they claim it’s due to poor maintenance.

3. Flood Risk and Separate Coverage

• Flooding is always a concern in Florida. It’s important to note that standard Tower Hill homeowners policies do not cover flood damage. If you live near a canal or low-lying area, you’ll need a separate NFIP flood policy.

Government source: FEMA Flood Insurance Info

Common Tower Hill Complaints in Sunrise

Some Sunrise homeowners tell us they’ve had difficulties with their Tower Hill claims, including:

• Claim delays after storms

• Repair estimates that are too low

• Claim denials based on vague policy language

• Frustrating communication with adjusters

If this sounds familiar, you’re not alone. These issues are common, and you have the right to challenge a denial or underpayment with legal help.

What To Do After Damage Happens in Sunrise

If your property in Sunrise is damaged by a storm, broken pipe, or other covered event, follow these steps right away:

✅ Step 1: Document Everything Take clear photos and videos of all affected areas, even if the damage looks minor.

✅ Step 2: Protect Against Further Damage Use tarps, turn off water lines, and block leaks. Your policy requires you to prevent additional damage.

✅ Step 3: Contact Tower Hill Immediately Don’t delay—file your claim promptly and keep a record of every interaction.

✅ Step 4: Get a Second Opinion A contractor or licensed public adjuster can help you understand the true cost of repairs before you accept the insurance estimate.

How Louis Law Group Helps Tower Hill Policyholders in Sunrise

At Louis Law Group, we work directly with Sunrise residents who are having trouble with their property insurance claims. Whether Tower Hill is delaying a payout, offering less than your damages, or denying coverage unfairly, we can:

• Analyze your policy in clear language

• Negotiate with Tower Hill’s adjusters or legal team

• Represent you if your case goes to court

• You don’t need to handle the stress of a denied or delayed claim alone.

Explore your legal rights: Your Rights When Dealing with a Property Insurance Company

Frequently Asked Questions

Q: Does my Tower Hill policy cover fence damage?

Yes, most policies include coverage for detached structures like fences, but payout may be limited. Check your Coverage B section for exact terms.

Q: Is mold damage always excluded?

Not always. Some Tower Hill policies offer limited mold coverage, especially if it results from a covered water event. An endorsement may be required.

Q: Can Tower Hill cancel my policy if I file a claim?

Florida law doesn’t allow cancellation based on a single claim, but the company may choose not to renew your policy if it considers your property too high-risk.

Q: Am I allowed to hire my own contractor?

Yes. Florida law gives you the right to choose your own licensed contractor for repairs.

Q: Can I reopen a claim after it’s closed?

Yes. If you discover additional damage later—such as hidden water issues—you may request to reopen the claim, as long as it’s within the allowed time frame.

Final Thoughts

If you live in Sunrise, FL, having strong insurance like Tower Hill is a smart step—but understanding your policy and your rights is just as important. Storms, plumbing failures, and other property risks are part of life in South Florida. When your insurance doesn't live up to its promise, Louis Law Group is here to help guide you through your options and fight for what you’re owed.

Has your Tower Hill Insurance claim left you feeling unsure about what to do next in Sunrise?

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.