Guide to Understanding Tower Hill Insurance Group Policies and Claims in Miramar

In Miramar, Florida, storms, water damage, and unexpected property losses are real risks. For many homeowners, Tower Hill Insurance Group is a trusted provider offering protection when things go wrong. But when it’s time to file a claim or review your policy, navigating the fine print can feel overwhelming. This article provides a step-by-step guide to help Miramar residents understand how Tower Hill works, what to expect in a claim, and how to get help if issues arise.

What Is Tower Hill Insurance Group?

Tower Hill Insurance Group is a Florida-based insurer that offers homeowners, condo, and renters insurance. The company has served Floridians for over 50 years and is known for its broad network and various policy options. For homeowners in hurricane-prone cities like Miramar, Tower Hill is a common choice.

⮞ Simple Tip: Before you buy, compare plans across different Tower Hill subsidiaries such as Tower Hill Preferred or Tower Hill Signature. Coverage and pricing may vary.

Types of Coverage Offered by Tower Hill

• Tower Hill provides different types of property insurance, including:

• Homeowners Insurance (HO3): Covers structural damage, personal property, liability, and more.

• Condo Insurance (HO6): Covers interior structures and personal items.

• Renters Insurance: Covers belongings and liability for renters.

• Flood Insurance (through NFIP): Optional but recommended for high-risk flood zones.

⮞ Important for Miramar Residents: If you live in a flood zone, standard Tower Hill policies do not include flood coverage—you must purchase it separately.

Helpful Internal Link: [Understanding the Different Types of Property Insurance in Florida]

Understanding Your Policy in the Context of Miramar

Living in Miramar means you're exposed to South Florida's unpredictable weather—hurricanes, tropical storms, and high humidity. Policies must reflect those risks.

⮞ Practical Advice: Review your deductibles, especially hurricane deductibles, which may differ from standard ones. Also, look for “ordinance or law” coverage to handle building code updates during repairs.

How to File a Claim with Tower Hill Insurance

Here are the steps to take:

• Document the Damage: Take clear photos and videos.

• Prevent Further Damage: Make emergency repairs and save receipts.

• File the Claim Promptly: Call or use the Tower Hill online portal.

• Meet the Adjuster: Be present during the inspection if possible.

• Submit Documents: Include estimates, receipts, and inspection reports.

⮞ Tip: Florida law requires insurance companies to acknowledge claims within 14 days and respond within 90 days. Reference: Florida Statute §627.70131

Common Claim Issues Faced by Miramar Homeowners

Some challenges Tower Hill policyholders in Miramar may face include:

• Wind vs. Water Damage Confusion: Determining what caused the damage can delay approval.

• Mold Exclusions: Mold damage is often excluded unless it’s from a covered peril.

• Disputes Over Repair Estimates: Your contractor's quote may differ from what the insurer offers.

Relevant Resource: [Tips for Dealing With a Denied Property Damage Claim]

What to Do If Your Claim Is Delayed or Denied

If you're not seeing movement on your Tower Hill claim, take the following steps:

• Request a Written Explanation: Insurers must explain why a claim is delayed or denied.

• Hire a Public Adjuster: They provide a second opinion and can advocate for fair valuation.

• File a Complaint: Report unfair treatment to the Florida Department of Financial Services.

• Seek Legal Support: If your claim is mishandled, an attorney can escalate the issue.

How Louis Law Group Can Help with Tower Hill Claims

If you’re in Miramar and facing delays, underpayment, or denials from Tower Hill Insurance, Louis Law Group can help you:

• Evaluate your claim documents and provide clarity

• Communicate directly with the insurer on your behalf

• Fight back against lowball offers or unjust denials

We’ve helped thousands of Florida homeowners—just like you—recover the compensation they rightfully deserve.

More Reading: [How a Lawyer Can Help You Reopen a Denied Claim]

Frequently Asked Questions (FAQ)

Q1: Can I file a claim if I didn’t notice the damage right away? Yes, but you’ll need to explain the delay. Claims must be filed within a reasonable time after discovery.

Q2: Will filing a claim raise my premiums? It might. Florida insurers can raise rates based on claim history, but they must notify you.

Q3: What if I don’t agree with the claim estimate? You can dispute it by submitting your own contractor's estimate or hiring a public adjuster.

Q4: Does Tower Hill offer temporary housing coverage? Yes, under “Loss of Use” coverage. Check your policy limits and conditions.

Q5: What does “under supplemental review” mean? This usually means Tower Hill is reviewing new or additional documents like revised estimates.

Conclusion

Navigating Tower Hill Insurance Group policies and claims in Miramar can feel like a challenge, but with the right steps and local knowledge, you can stay ahead. Whether you’re filing a new claim or contesting a denial, understanding your policy and knowing your rights makes all the difference. And when issues arise, professional guidance ensures you don’t navigate the process alone.

Have you taken the right steps to protect your home and claim in Miramar?

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.