Is Tower Hill Insurance hard to deal with on claims?

Tower Hill has a reputation for thorough but sometimes slow claims handling. Like all Florida insurers, they use tactics to minimize payouts, including low repair estimates, depreciation deductions, and maintenance exclusions. A public adjuster can level the playing field.

Can I dispute a Tower Hill Insurance claim denial?

Yes. If Tower Hill denies your claim, you can request a written explanation, submit additional evidence, hire a public adjuster to challenge the denial, or invoke the appraisal clause if the dispute is over the loss amount.

How long does Tower Hill take to process a claim in Florida?

Florida law requires Tower Hill to acknowledge your claim within 14 days and make a coverage decision within 90 days. Actual timelines vary by claim complexity and volume. After major storms, processing times can extend significantly.

Does Tower Hill Insurance cover roof damage in Florida?

Tower Hill policies typically cover roof damage caused by covered perils such as wind, hail, and fallen objects. However, they often dispute roof claims by arguing damage is from wear and tear or lack of maintenance. A public adjuster can help prove the damage is from a covered event.

Tower Hill Insurance Claim — How to Get a Fair Settlement in Florida

Name: Greater Claims Consulting & Appraisal Inc.
Address: FL, US
Telephone: (877) 462-7036
Price range: No fee unless we win

Tower Hill Insurance Claim — Get the Settlement Your Policy Promises

Tower Hill Insurance Group is one of Florida’s largest property insurance carriers, insuring hundreds of thousands of homes across the state. If you have a Tower Hill policy and have filed a property damage claim, you may be discovering that having coverage and getting paid are two very different things.

Tower Hill, like all Florida property insurers, has a financial incentive to minimize claim payouts. They employ trained adjusters, engineers, and claims managers whose job is to protect the company’s bottom line. As a policyholder, you need someone equally skilled working on your behalf.

Greater Claims Consulting & Appraisal Inc. is a licensed public adjusting firm that represents Florida homeowners in their Tower Hill Insurance claims. Led by Reginald Amedee, our team handles the entire claims process and fights for the maximum settlement your policy provides.

Call (877) 462-7036 for a free claim review.

Understanding Tower Hill Insurance

Tower Hill Insurance Group has been operating in Florida since 1972, making it one of the more established Florida-domiciled insurers. The company writes homeowner’s, dwelling fire, and commercial property policies throughout the state.

Tower Hill’s Claims Handling Approach

Tower Hill uses a mix of staff adjusters and independent adjusting firms to handle claims. After major storms, they rely heavily on independent adjusters — contractors who may be unfamiliar with local construction costs and building code requirements.

Tower Hill also employs field engineers and roofing consultants to inspect disputed claims, particularly roof damage claims. These inspections often produce reports favorable to Tower Hill’s position, finding that damage is from wear and tear rather than covered weather events.

Common Tower Hill Claim Issues

Roof claim disputes. Tower Hill is particularly aggressive in disputing roof damage claims. Their engineers frequently attribute damage to age, weathering, or maintenance issues rather than storm events. Even when obvious storm damage is present, Tower Hill may argue that only a portion of the roof was affected by the covered peril.

Low repair estimates. Tower Hill’s estimates often use pricing below the prevailing rates in South Florida. The gap between their estimate and what a licensed contractor actually charges can be thousands of dollars.

Depreciation. Tower Hill applies depreciation to reduce actual cash value payments. Their depreciation calculations are sometimes excessive, particularly on roofing materials and mechanical systems.

Slow response times. While Tower Hill generally meets statutory deadlines, the quality and thoroughness of their responses can be lacking. Requests for supplemental payment may take weeks to process.

Managed repair preferences. Tower Hill may recommend or push specific contractors through their managed repair network. While these contractors may do competent work, the pricing they agree to with Tower Hill may not reflect the full scope of repairs your property needs.

How to Handle a Tower Hill Insurance Claim

File Promptly

Report your claim to Tower Hill as soon as you discover damage. Note your claim number, the date you reported, and the name of anyone you spoke with.

Document Thoroughly

Before any cleanup or repairs, document all damage with photos and videos. Include wide shots for context and close-ups for detail. Note dates, weather events, and the timeline of when damage was discovered.

Make Emergency Repairs Only

Your policy requires you to mitigate further damage. Tarp the roof, extract water, board windows. But do not make permanent repairs until the damage has been fully inspected and documented. Keep all receipts for emergency repairs.

Get Professional Help

Tower Hill has professional adjusters, engineers, and claims managers working their side. You need a professional working yours. A public adjuster brings the expertise, documentation tools, and negotiation skills to counter Tower Hill’s tactics effectively.

Greater Claims Consulting’s Approach to Tower Hill Claims

Comprehensive Inspection

We perform a detailed inspection of your property, documenting every element of damage — including damage Tower Hill’s adjuster missed or minimized. We examine roofs, interiors, exteriors, and mechanical systems with professional-grade tools.

Professional Documentation

We prepare a complete claim file with detailed photographs, measurements, moisture readings, and a comprehensive repair estimate using Xactimate. This documentation is prepared to industry standards, giving Tower Hill less room to dismiss your claim.

Policy Review

We analyze your Tower Hill policy to identify all applicable coverages. Different Tower Hill policy forms may include different coverage provisions, and understanding your specific policy is essential to maximizing your claim.

Expert Negotiation

We negotiate with Tower Hill’s claims team directly. We challenge their engineer reports with our own evidence, dispute their pricing with current market data, and fight for every dollar your policy provides.

Challenging Engineer Reports

Tower Hill frequently relies on engineer reports to deny or reduce roof and structural damage claims. These reports often contain conclusions that favor the insurer. We review every engineer report critically, identify flaws in methodology or conclusions, and present counterevidence when the report is inaccurate.

Appraisal Services

When negotiation reaches an impasse, we invoke the appraisal clause. This binding process removes the dispute from Tower Hill’s control and places it in the hands of independent appraisers and an umpire. Reginald Amedee has extensive appraisal experience in Florida.

Types of Tower Hill Claims We Handle

Wind and hurricane damage. Roof damage, siding failures, soffit and fascia destruction, screen enclosure damage, fence damage, and wind-driven rain intrusion.

Water damage. Pipe bursts, supply line failures, AC leaks, water heater failures, and appliance malfunctions. We document the full extent of water migration and secondary damage.

Roof claims. From minor wind damage to full roof replacement, we handle roof claims of all sizes and fight Tower Hill’s tendency to attribute damage to wear and tear.

Fire damage. Structure fires, kitchen fires, electrical fires, and lightning strikes. We document both direct fire damage and smoke and soot damage throughout the property.

Mold claims. When mold results from a covered water loss, we document the causal connection and pursue coverage under your Tower Hill policy.

Denied and underpaid claims. If Tower Hill denied your claim or paid less than your damage warrants, we can reopen the claim and fight for additional recovery.

Tower Hill and Florida Insurance Law

Tower Hill is subject to all Florida insurance statutes, including:

Prompt payment (F.S. 627.70131). Tower Hill must acknowledge your claim within 14 days and make a coverage decision within 90 days.

Written explanations. Tower Hill must provide written reasons for any claim denial, citing specific policy language.

Policyholder rights. You have the right to hire a public adjuster, invoke appraisal, choose your own contractor, and file complaints with the Florida Department of Financial Services.

Bad faith exposure. If Tower Hill unreasonably delays or denies a legitimate claim, additional legal remedies may be available.

Tips for Tower Hill Policyholders

Keep a claim journal. Document every interaction with Tower Hill — dates, times, names, and summaries of conversations.
Do not rely on their estimate alone. Get an independent estimate from a licensed South Florida contractor.
Challenge engineer reports. If Tower Hill sends an engineer who concludes your damage is from maintenance, get a second opinion.
Know your policy. Read your Tower Hill policy, particularly the coverage sections, exclusions, and deductible provisions.
Act quickly. The sooner you get professional representation, the stronger your claim will be.

Contact Greater Claims Consulting

Do not let Tower Hill Insurance underpay your property damage claim. Greater Claims Consulting & Appraisal Inc. knows how Tower Hill operates and how to fight for the settlement you deserve.

Call Reginald Amedee at (877) 462-7036 for a free, no-obligation review of your Tower Hill Insurance claim. We serve all of South Florida.

Greater Claims Consulting & Appraisal Inc. is a licensed public adjusting and appraisal firm. We are not a law firm and do not provide legal advice.