Essential Tower Hill Insurance Tips for Tamarac Homeowners

Tamarac, Florida, offers a peaceful suburban lifestyle with the convenience of being close to both Fort Lauderdale and Miami. But like much of South Florida, Tamarac is also prone to extreme weather events—particularly hurricanes and flooding.

Tower Hill Insurance is a well-known provider in the region, serving many homeowners in Tamarac. In this guide, we’ll break down what their insurance covers, the most common issues people face, and how Louis Law Group can help you resolve insurance disputes and claim denials in Tamarac.

Tower Hill Insurance: An Overview

Founded in 1972, Tower Hill Insurance Group is one of Florida’s most established property insurance providers. They offer multiple types of coverage, including:

• HO-3 Homeowners Insurance

• HO-6 Condo Insurance

• Renters Insurance

• Flood Insurance (NFIP)

• Windstorm & Hurricane Protection

• Add-ons for valuables, mold, equipment breakdown, and water backup

Tower Hill has tailored its offerings to meet the specific risks Florida homeowners face—particularly in areas like Tamarac where tropical storms and flooding are serious concerns.

Why Tamarac Homeowners Choose Tower Hill

Many Tamarac residents choose Tower Hill for:

• Storm-Resilient Coverage: Designed for Florida’s hurricane season

• Reputable Track Record: Tower Hill has decades of experience in the state

• Affordable Flood Insurance: Available through NFIP for at-risk zones

• Policy Customization: Add endorsements for jewelry, electronics, mold, etc.

Still, even with comprehensive policies, claim issues are not uncommon in Tamarac.

What Tower Hill Typically Covers in Tamarac

HO-3 Standard Coverage

• Dwelling Protection: Home structure, roof, built-in appliances

• Personal Property: Furniture, clothing, electronics

• Loss of Use: If your home becomes unlivable

• Liability Protection: Accidents that occur on your property

Flood Insurance (NFIP)

• Standard policies don’t cover rising water. You’ll need a separate flood policy through the National Flood Insurance Program (NFIP).

Windstorm & Hurricane Coverage

• Tower Hill includes this in most Tamarac policies. Be aware of the hurricane deductible, often 2–5% of your home’s insured value.

Optional Add-ons

• Mold remediation

• Equipment breakdown

• Sewer/water backup

• High-value item coverage

Flood Insurance Resources – FEMA

Common Tower Hill Claim Issues in Tamarac

Despite good policies, homeowners in Tamarac have reported the following issues:

• Delayed Adjuster Inspections: Especially after hurricanes or floods

• Low Settlement Offers: Often insufficient to cover repair costs

• Mold Damage Denials: Without endorsements, mold claims are typically limited

• Denied Roof Claims: Particularly if the roof is older than 15 years

• Disputes Over Cause of Damage: Tower Hill may argue it’s due to wear and tear

Insurance Claim Denied – What to Do Next

Filing a Tower Hill Claim in Tamarac: What You Should Know

✅ Steps to File a Claim

• Report the Damage Immediately through Tower Hill’s claim portal or phone line.

• Document Everything – photos, videos, receipts, and even witness accounts.

• Schedule the Adjuster Visit – be present and prepare a list of damages.

• Get Your Own Estimates – don’t rely solely on the insurance company’s figures.

• Consult a Lawyer if the offer seems too low or gets delayed.

Filing a Homeowners Insurance Claim Correctly

How Louis Law Group Helps Tamarac Homeowners

If you're a homeowner in Tamarac and your Tower Hill Insurance claim has been denied, underpaid, or delayed, Louis Law Group can help.

We assist with:

• Claim denials or rejections

• Underpaid settlements

• Roof damage disputes

• Unreasonable delays or non-responses

We know Florida insurance law and work to get you the compensation you deserve. From policy review to negotiations and legal action if necessary, we’ll stand by your side.

Do I Need a Property Damage Lawyer in Florida?

Tips for Maximizing Tower Hill Coverage in Tamarac

• Conduct a Wind Mitigation Inspection – this may reduce your premium.

• Update Your Policy Annually – especially after renovations.

• Understand Your Deductibles – hurricane deductibles are different.

• Add Mold or Sewer Backup Riders – these issues are common in Tamarac.

• Inventory Your Belongings – helpful during the claim process.

FAQs

Q: Does Tower Hill cover condo assessments in Tamarac HOAs?

Yes, but only if you’ve added Loss Assessment Coverage to your HO-6 policy.

Q: What happens if Tower Hill cancels my policy?

They must notify you in advance. You’re allowed to switch insurers and may receive a prorated refund.

Q: Can I dispute a partial claim payout?

Absolutely. You can hire an independent adjuster or contact an attorney for help.

Q: Does Tower Hill cover tree damage from storms?

Yes—if the tree hits a covered structure like your home or fence.

Conclusion

Living in Tamarac, FL, means protecting your property from the elements. While Tower Hill Insurance provides solid options for homeowners, it’s not uncommon for claims to be denied, underpaid, or delayed.

At Louis Law Group, we help Tamarac residents make sense of their policies, fight for fair compensation, and hold insurance companies accountable. Don’t let fine print or poor communication keep you from receiving what you’re owed.

Is your Tower Hill Insurance policy providing the full protection your Tamarac home 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.