When choosing a homeowners insurance provider, it’s important to consider how they handle claims, payments, and dispute resolutions. One company that often comes up in discussions is Tower Hill Insurance. While they’re not the worst option, they have some notable pros and cons that homeowners should be aware of.
At Panther PA, we’ve worked with many policyholders who have had claims with Tower Hill. While they tend to open coverage and provide initial payments, their settlements often fall short of what homeowners actually deserve.
In this article, we’ll break down Tower Hill’s claim process, their approach to dispute resolution, and whether they’re a good choice for homeowners.
What is Tower Hill Insurance?
Tower Hill Insurance is a Florida-based homeowners insurance company that provides coverage for storm damage, fire, water damage, and other property-related losses. They are a well-known insurer in the state, but their claim handling process has both strengths and weaknesses.
If you’re a Tower Hill policyholder, here’s what you need to know:
✔ They tend to open coverage when a valid claim is filed.
✔ They issue initial payments relatively quickly.
✔ Their payments often fall short of the full amount needed for repairs.
✔ They have an appraisal process, but both parties must agree to it.
💡 Think your Tower Hill claim was underpaid? Let us review it for free! Contact us today.
How Tower Hill Handles Coverage & Payments
One of the positive aspects of Tower Hill is that they typically acknowledge claims and open coverage instead of outright denying them. This is better than some insurers who try to deny valid claims entirely.
However, there’s a catch—while Tower Hill does issue initial payments, these payments are often lower than what homeowners truly need.
For example, if your home sustains $100,000 in damage, Tower Hill might only offer $50,000 to $60,000 initially, expecting you to either accept the payout or fight for the remaining balance.
If you believe your claim was underpaid, don’t settle for less than you deserve. Call us now for a free claim review!
Appraisal Process: Can You Dispute Tower Hill’s Payment?
One area where Tower Hill stands out is that their policies often include an appraisal clause, which provides an alternative dispute resolution method for settling claim disputes.
How the Appraisal Process Works:
- If both you and Tower Hill agree to go to appraisal, each side selects an independent appraiser.
- The appraisers evaluate the claim and determine the true value of the loss.
- If the two appraisers disagree, a neutral umpire is chosen to make the final decision.
- The agreed-upon amount becomes the final claim settlement.
The Catch: Will Tower Hill Agree to Appraisal?
Unlike some insurers that allow either party to demand appraisal, Tower Hill requires both sides to agree to it.
💡 In our experience, Tower Hill agrees to appraisal about 50% of the time. This means that if they don’t agree, you may be left with no choice but to go through a lengthy legal battle or settle for less than you deserve.
Not sure if appraisal is an option for your claim? We can help! Schedule a free consultation.
Is Tower Hill a Good Choice for Homeowners?
Tower Hill isn’t the worst insurance carrier out there, but they’re far from the best.
✔ Pros:
✅ They typically open coverage instead of denying claims outright.
✅ They issue initial payments relatively quickly.
✅ They offer an appraisal process (if both parties agree).
❌ Cons:
⛔ Initial claim payments are often too low.
⛔ They don’t always agree to appraisal, making disputes harder to resolve.
⛔ Homeowners may need to hire a public adjuster or attorney to fight for fair compensation.
If you have a Tower Hill policy, it’s essential to closely monitor your claim and fight for the payout you deserve.
Suspect your claim was underpaid? Call us now to speak with an expert public adjuster!
How Panther PA Can Help You Fight Back
At Panther PA, we specialize in helping homeowners fight back against underpaid insurance claims. If you’ve received a low settlement offer from Tower Hill, we can help negotiate a higher payout and ensure you receive every dollar you’re entitled to.
Our Services Include:
✔ Free Policy & Claim Reviews – We assess your case and identify areas where you were underpaid.
✔ Negotiation with the Insurance Company – We handle all communication to maximize your settlement.
✔ Appraisal & Litigation Support – If needed, we escalate the claim to appraisal or legal action.
📞 Don’t settle for less than you deserve—call us now for a free claim review!
📩 Or request a consultation online: https://pantherpa.com/#contact/
Final Thoughts: Should You Trust Tower Hill?
Tower Hill is not the worst insurance company, but they aren’t the best either. While they tend to open claims and issue payments, they often underpay homeowners, forcing them to fight for fair compensation.
If you have a Tower Hill policy, follow these steps to protect yourself:
✅ Carefully review your claim payment.
✅ Don’t accept a lowball settlement.
✅ Consider requesting an appraisal—but know that Tower Hill must agree.
✅ Hire a public adjuster to fight for the full amount you deserve.
If you suspect that your claim was underpaid, Panther PA is here to help!
📞 Call us today at +1-833-726-8437 for a free consultation!
📩 Or submit your claim for review here: https://pantherpa.com/#contact/
Related Articles:
- The Real Deal with Insurance Appraisals: What You Should Know
- Top Florida Insurance Companies You NEED to Know About!
- Is a $1,000 Savings Worth the Risk? The Truth About Changing Insurance
🚀 Don’t let Tower Hill underpay your claim—call us now!