Florida Carrier-Specific Claim Help
Florida-licensed public adjusters representing policyholders on Tower Hill property damage insurance claims. Hurricane, water, fire, mold, and roof claims — denied, underpaid, or unresolved.
Dolphin Claims is an independent public adjusting firm that represents policyholders. We are not affiliated with, endorsed by, or acting on behalf of Tower Hill Insurance Group.
Tower Hill Insurance Group is a Gainesville-based Florida-only insurer with multiple subsidiaries — Tower Hill Prime (THP), Tower Hill Insurance Exchange (THIE), Tower Hill Preferred, and Tower Hill Signature. Each subsidiary uses slightly different policy forms; coverage analysis must start with the correct sub-form.
Tower Hill writes across Florida's coastal hurricane corridor and has historically handled wind/water claims with a tight, form-driven approach. Cause-of-loss disputes are the dominant friction:
The 2022 SB 2A reform impacts Tower Hill claims similarly to other private carriers — shorter notice windows, no one-way fees, mandatory pre-suit notice.
| Type | private |
| Founded | 1972 |
| Headquartered | Gainesville, FL |
| Florida book | Major Florida-only writer; multiple subsidiaries (THIE, THP, etc.) |
| Financial rating | A (Exceptional) — Demotech |
Tower Hill results
Real Tower Hill first offers and denials — and the final numbers. No client names.
Tower Hill · Hurricane Ian · home · Punta Gorda
First offer
$2,500
Total recovered
$117,543.10
Joe sent a full estimate and negotiated with Tower Hill's desk adjuster for months.
If your hurricane offer feels low, it probably is. Get a second opinion.
Tower Hill · Roof · West Palm Beach
Denied
Denied · $0
Settled
$55,000
Tower Hill denied the roof claim. We sent our file to our partner attorney, and about two weeks later it settled.
A denial letter is the insurance company's opinion. It is not the final word.
Tower Hill · Hurricane Ian · cracked tiles & leaks · Tamarac
First payment
$4,347.67
Settlement
$55,000
Settlement for repairs, with the water mitigation bill paid on top.
Cracked roof tiles and leaks in several rooms. We built the case file, and when the carrier wouldn't play fair our partner attorney took it from there.
Build the file.
Selected claims, not typical results. Every claim is different, and past results do not guarantee future outcomes. Case-study narration uses an AI version of Joe Ford's voice. Footage is illustrative, not the client's property.
Tower Hill operates multiple subsidiaries — Tower Hill Prime, Tower Hill Insurance Exchange (THIE, a reciprocal), Tower Hill Preferred — each with slightly different policy language. Identifying which subsidiary issued your policy is step one in any claim analysis.
Wear-and-tear is the most-cited Tower Hill denial basis on roof and exterior claims. The defeat: documented date of loss + pre-event photos + post-event drone imagery + matching damage pattern to weather records (NOAA local-storm reports). A public adjuster assembles this evidence package.
Most Tower Hill policies cover wind-driven rain only if a wind-created opening allowed water entry. The carrier will look for the opening — a missing shingle, blown-off vent, broken window. Document the opening + the resulting water path before any temporary repair is made.
Most Tower Hill policies sub-limit fungi/mold to $10,000 (or higher with endorsement). The sub-limit applies to remediation, not to the underlying covered water claim. Argue mold and water as separate (but related) claims.
FL Statute 627.70131 requires acknowledgement within 14 days, inspection within 14 days, payment or denial within 90 days. Tower Hill typically meets statutory benchmarks; the friction is on scope, not timing.
Yes — all Tower Hill policy forms contain an appraisal clause. Appraisal applies when the parties disagree on amount of loss (not coverage). Each side picks an appraiser; the two appraisers pick a neutral umpire; the umpire's signed award is binding on amount.
FL Statute 626.9744 requires matching replacement when partial repair would result in mismatched components on continuous surfaces. Tower Hill disputes match routinely on roof and siding claims; a public adjuster documents the discontinuity and the surrounding undamaged components.
Contingency 10–20% of additional recovery — capped at 10% in year one for declared-emergency claims (FL Statute 626.854(11)). No upfront fees. No fee if there's no recovery.
Send us your policy + denial letter. We'll tell you honestly whether you have a supplemental, reopened, or appraisal claim worth pursuing — and what it's likely worth.
No upfront cost. Takes about 60 seconds.
What happened to your property?
Rather talk? Call (954) 204-9376
