Hurricane-damaged manufactured homes among palm trees in Florida

INSURANCE COMPANY CLAIMS

Tower Hill Insurance Claim Help

Homes, rentals and mobile homes in Florida. Call Homeland before you call Tower Hill.

Short answer: Tower Hill Insurance Exchange, part of Tower Hill Insurance Group, is Florida’s fourth-largest residential insurer and the largest writer of rental dwelling (DP) policies in the state, with about 1 in 6.

Last reviewed: October 2026

Before you call Tower Hill, call Homeland. The first report of a loss frames the whole claim. We review your policy, document the damage and give Tower Hill written notice of the claim for you. Florida (305) 783-3777 · New Jersey (732) 517-3777 · Se habla español.

Free Claim Review Florida (305) 783-3777 New Jersey (732) 517-3777

Tower Hill in Florida, by the numbers

At July 31, 2026, Tower Hill reported 428,138 Florida residential policies in force, ranking #4 among the 163 companies in OIR’s July 2026 report by residential policy count: 231,469 homeowners, 124,446 rental dwelling (DP), 43,246 mobile home, 21,328 condo unit (HO-6), and 7,649 renters. It reported 1,332 new claims opened in July 2026.

Tower Hill Florida residential policies in force by policy type, July 31, 2026. Source: Florida OIR Monthly Market Intelligence Report

Source: Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026. Figures are company filings published without audit by OIR.

Before you call Tower Hill

Call us first. We read your policy, then report the claim to Tower Hill in writing, with the facts and photos that support it.

Before anything is thrown out, photograph and video every room, the roof and the outside, and keep damaged items. Make only the repairs needed to stop more damage, and keep every receipt.

Talk to us before you give a statement or sign anything, whether it comes from the insurance company or a contractor.

We get the full policy, not just the declarations page, because the endorsements and exclusions decide the claim.

Your deadlines and Tower Hill’s, in Florida

Notice of the claim must be given within 1 year of the date of loss for a new or reopened claim, and within 18 months for a supplemental claim (Fla. Stat. §627.70132). We give that notice for you.

The insurer acknowledges your claim within 7 days, sends you its adjuster’s detailed estimate within 7 days after the adjuster prepares it, and pays or denies within 60 days of notice unless factors beyond its control intervene (Fla. Stat. §627.70131).

If you disagree on the amount, your options include re-documenting and negotiating, the appraisal clause in your policy, and free mediation through the Florida Department of Financial Services. See every option, compared.

Where Tower Hill claims most often need help

Because Tower Hill insures so many rental homes and mobile homes, many of its claims come from landlords: damage found between tenants, tenant-caused damage, and lost rent while the home is repaired. See landlord claims and mobile and manufactured home claims.

How Homeland helps with your Tower Hill claim

We represent you, not the insurance company. We read your policy, document the loss, prepare a line-item estimate, and handle the claim with Tower Hill’s adjusters from start to finish, in English or Spanish. If Tower Hill has already paid or denied, upload the letter or estimate to Claim Review for a free first read.

Call 24/7: Florida (305) 783-3777 · New Jersey (732) 517-3777 · Se habla español.

Frequently asked questions

Should I call Tower Hill first?

Call us first. We review your policy and the damage, then give Tower Hill written notice of the claim, so the claim starts with the facts that support it.

My rental home is insured by Tower Hill. Is lost rent covered?

It depends on your dwelling policy. Many dwelling policies include fair rental value coverage; check your declarations page and call us.

Sources: Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026; Fla. Stat. §627.70131; Fla. Stat. §627.70132.

Homeland Public Adjusters is not affiliated with, endorsed by or sponsored by any insurance company named on this page. Company names are used only to identify the insurer. This page is general information, not legal advice.

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Tower Hill Claims We Handle

We represent property owners on Tower Hill claims: homes, condo units, rentals, mobile homes, condominium associations and businesses, in English or Spanish. We work for you, never the insurer.

Hurricane & Wind Damage Claims Winter Storm & Roof Damage Claims Water Damage Claims Lightning, Trees & Other Claims Denied & Underpaid Claims Condo & HOA Association Claims Business & Commercial Claims

How Can We Help You Recover?

Call Homeland Before You Call the Insurer

Upload photos of the damage, your policy, or a letter or estimate you already received. A licensed public adjuster reviews it for free and calls you back right away. No Recovery, No Fee.

Start My Claim →Review My Claim →Scan My Policy →

Or call 24/7: (305) 783-3777 Florida · (732) 517-3777 New Jersey. Hablamos español.