Tailored Insurance for Coastal Living: Tower Hill Insurance in West Palm Beach

West Palm Beach, Florida—a vibrant mix of historic charm and coastal elegance—offers a high quality of life, but also faces annual hurricane threats and flooding risks. Whether you live in El Cid, Flamingo Park, or near the Lake Mangonia shoreline, protecting your home is more than a precaution—it's a necessity.

Tower Hill Insurance is a go-to option for many Florida homeowners due to its localized policies. But when it comes to claims disputes, complex coverages, or policy confusion, West Palm Beach residents often find themselves needing legal guidance. That’s where Louis Law Group steps in.

Understanding Tower Hill Insurance Coverage in West Palm Beach

Tower Hill Insurance provides various residential policies designed to address Florida-specific risks. These policies are ideal for the diverse housing styles across West Palm Beach—from waterfront estates to mid-century homes and condos.

1. Homeowners (HO-3) Policies This standard policy protects:

• Your home’s structure (walls, roof, foundation)

• Personal belongings (furniture, electronics)

• Additional living expenses (hotel or temporary housing)

• Liability claims

Tip for WPB homeowners: Homes within 5 miles of the coast may face higher windstorm deductibles. Always ask for clarification on your policy’s windstorm clauses.

2. Flood Insurance Options

Flooding is a top concern for neighborhoods near the Intracoastal Waterway. Tower Hill offers:

• NFIP-backed standard flood policies

• Private flood insurance (often with faster claims handling and broader limits)

• Check your FEMA flood zone: https://msc.fema.gov/portal

3. Manufactured and Mobile Home Insurance

Tower Hill is one of few providers offering coverage for mobile homes—common in West Palm Beach’s outer communities. Policies can include:

• Windstorm damage

• Carport and attached structure coverage

• Debris removal

How to File a Tower Hill Claim from West Palm Beach

If your property is damaged, here's what to do:

• Report the Loss Promptly

• Online: www.thig.com/claims

• Phone: 800-342-3407

Take Photos Before Cleaning Up

• Document everything before removing debris or starting repairs.

Track Your Claim with the Customer Portal

• West Palm Beach residents can monitor progress directly via Tower Hill’s online portal.

Be Aware of the 90-Day Rule

• Florida law mandates that insurers respond within 90 days of claim proof submission.

Related resource: Florida Statute 627.70131 (Florida’s insurance claim timeline regulation)

How Louis Law Group Supports Homeowners in West Palm Beach

If your claim is delayed, underpaid, or denied, the experienced attorneys at Louis Law Group can step in.

We Offer:

• Free policy evaluations

• Dispute resolution with Tower Hill

• Filing lawsuits when necessary

• Guidance for complicated claims (like mold, fire, or code upgrade coverage)

Our attorneys have worked with clients throughout West Palm Beach, including properties near Northwood, Palm Beach Lakes, and South End.

FAQs

Q: Do I need a separate windstorm policy in West Palm Beach?

No. Most Tower Hill homeowners policies include windstorm coverage, but check for hurricane deductibles, which may be 2%–5% of your dwelling value.

Q: Are older homes in West Palm Beach harder to insure?

Yes. Homes built before 1994 (pre-Hurricane Andrew codes) often face higher premiums unless upgraded. Consider a Four-Point Inspection to prove updates to roofing, plumbing, electrical, and HVAC systems.

Q: Can I be dropped by Tower Hill after filing a claim?

While it’s not common, policy non-renewal may occur after repeated or high-value claims. Louis Law Group can help you understand your rights and contest non-renewal if needed.

Q: What happens if my claim is paid but not enough to cover repairs?

You can request a supplemental claim review. Tower Hill may reassign an adjuster. If the issue persists, our legal team can help push for fair compensation.

Q: Can I hire a contractor before my claim is resolved?

Yes, but ensure the contractor does not require an Assignment of Benefits (AOB) unless you're fully informed. AOBs transfer your rights to the contractor and can complicate your case.