Tower Hill Insurance Group
Reviews and Complaints

I served in the military for 22 years, and was abroad the complete tour. I moved back to ***, bought my 1st house stateside. Having no idea that you aren't to actually use your home owners insurance, I filed 2 claims with a previous insurance company. After being dropped, I opened a policy with tower Hill. I have not filed any claims, nor did I have the intention uses the house burnt to the ground. Today, I open a letter from tower hill and it was a cancelation. Reason for cancelation was 1: tree branch touching house 2: roof worn Did tower hill contact me before this, to give me time to correct their concerns? NO! Now, anywhere I call I am black balled. What a great country we live in.

Dealing w these folks has been a MASSIVE HEADACHE! I submitted a reroof claim and it has been a fight tooth and nail for several months . Now that I get my roof replaced I have to wai for Hillsborough Inspectors to get out here and give the final approval. Needless to say it has been several weeks. In the meantime THIG sends me an email saying my Claim has been closed!? What? I still need reimbursed for the roof and water damage to the inside of the house! COVID HAS DELAYED EVERYTHING.. All the problems I have w these people and NO ONE from the management level has even bothered to reach out! Never ever had such poor service and experience w any company I have dealt with.. They simply don't flipping care! Amazing the state of FL allows this to take place...

I have been a customer of *** Hill *** for many years. I had no claims after any of the hurricanes since ***. Built in *** with hurricane mitigation measures and a new metal roof added this summer (2021). Only explanation given was reduction of hurricane exposure. I had switched to Tower Hill from a major carrier when the larger carriers were cancelling policies following the active ***-2005 seasons. At the time Tower Hill presented themselves as a *** company to protect *** and wouldn't practice this type of cancellation. No prior indication was given that they were considering such actions. Appears they are no more reliable than the major out of state providers when it comes to profit over customer care. Buyer beware with this company.

Tower Hill Insurance, isn't there for the people they serve. What go is insurance if we can't file claims, but you punish people for filling claims. My canceling their policy. I got a home inspection, which Tower Hill never reviewed. Plus the lady that did the interview on the claim, said it would effect my policy because it didn't fall under my policy on a recorded line. If I could give zero stars I would, but that isn't possible. Then they won't talk to me about my policy. I am the policy holder, you have to talk to me. This company is all about the money and not the people it serves, they will deny every claim while they are in business. Insurance is there for the customer to use, that is why we as customers pay all the money for coverage. Then cancel the policy for using our coverage. That is wrong, because you as a company didn't look at the inspection.

Tower hill incorrectly cancelled my home owner's insurance (that's what they told me), then send me a refund check, which I deposited. Three months later they sent me a collections letter for $242. No warning, no other letters, no "past due payment" notices, just straight to collections, which of course hit my credit.Mind you, TH is being paid by my mortgage company (***), which sends them money (that's they job), and TH takes the money (that's they job). But for some reason TH decides to cancel the policy (clerical error?) and refund money they've been paid.THEN my mortgage company charges me for $350 because my house isn't insured.Did I cancel the policy? nope. Did TH receive all the money they needed? Yes. So can someone explain to me why they sent me to collections? And they can't undo it. Even after I've pad whatever balance they think I owe.

Hurricane Ian held me hostage for 9 hours with constant winds from 105 to 145 mph and 20 inches of rain. Tower Hill has held me hostage ever since. I received a partial payment on 11/10 (Ian was 9/28) and not one person can tell me what this payment covers. Documents and estimates for repairs were uploaded to my customer portal, as directed, additional documents uploaded in November. Now, I am unable to access the portal for my current claim (current policy expires 04/2023) until I agree to the terms of the renewal policy terms, including a power of attorney for Tower Hill. Effectively, I can't upload documents, see any progression or notes for my claim until I agree to their terms for a policy not even due until next April! Customer service says "accept the terms, then just cancel later", that is lunacy. Every letter I receive from them, every hold message when calling states I should check my portal. I would if I could. Doesn't give me a lot of faith in Tower Hill. Getting paid for damages is a whole other animal. At 67, I'm still using a rubber mallet to get out of my front door.

While applying for would a mortgage, I was told an estimated monthly cost would include interest, principle, insurance, and taxes. Nobody told me that I had to secure my own insurance, and consequently, I was at the deadline for closing, when they asked "who my insurer was"? So I called a friend ***, from *** who informed me that because the Tropical Storm had had been upgraded to Hurricane ***, nobody was writing new policies. Now, I was in panic mode (They 1st talked me off the ledge, and calmed me down), then they told me to rest assured that they had great connections, and would try to secure a policy for me with one of the best companies in the ***. That was when I was fortunate enough to meet the people from Tower Hill Insurance. I had to fill out a flurry of paperwork, yet they hand-held me through the entire process, explaining each step in the process, and we got the policy executed that very same day! I don't recommend waiting till the eleventh hour to hire their services, but I highly recommend them at any time as a professional, compassionate, and hard working group of agents that go above and beyond to get the you most affordable and timely policy. Two Thumbs Waaay Up!

I've been happy with Tower Hill Insurance... up to now.. Their recent switch-over to a larger Tower Hill Corporate Group appeared to be "no big deal"... until I got my recent bill from Tower Hill.. My house insurance actually "jumped" by nearly 80%.. the reason given was that due to increased risks from hurricanes, severe weather changes, etc.. etc..so.. they had to "increase" the premiums.. but to "increase" by nearly double?! that was never truly expressed and I only received word of "how high" it would be when I received by latest bill.. BUT..You can believe I'll just go ahead and pay it.. what else can I do? move to another insurance? nope.. not going to happen.. and why? tower hill said my wife and I called on tower hill for some repairs of some molding issues.. well.. we found out.. we could just deal with it ourselves.. and we did.. it was very minor.. and what did tower hill do? they "looked at the problem" (and they agreed with us.. it wasn't a big deal) and they didn't spend a dime.. BUT.. guess what any "new" insurance company would look at? our initial "call in".. tower hill expresses it as though they had to do something.. they didn't.. and they still don't have to do a thing.. but it sure looks like they did.. any "new insurance" company.. will truly focus on that..

First and foremost I feel that I was never taking seriously. Ive never been treated with such manner before. Ive called and made complaints time after time about lack of sympathy that I have been receiving from my supervisor and adjusters. Why do I have to constantly take the time out of my work *** to basically do their job of making contact. No one calls to see how Im doin in regards of my living conditions at this point. I explained to my adjuster and supervisor that I have a pregnant wife that I have to take care of while in her first trimester which is the hardest; I cant keep telling her that it will be ok when I know that its no one Ive talked to seems to understand me and its very frustrating. I ask my adjuster Mrs. to call me every*** if not every other *** just to keep me in the loop of every things. I stated to her several times that I felt as if it was been handled unprofessional and she never called. I was told from another lady named *** that she wouldnt know when my claim would be resolved because she had others claims to take care of so she was not sure when she could get to my claim. I have done everything they ask me. I was asked to provide proof the home was mine and I did so. Supervisor *** told me last week my claim would been finalized last week on Feb 21 which was president *** that he would have everything finalized and if they didnt he would make sure they gave me some type of funds to help me. I still havent gotten any help. I been paying out my pockets to stay in hotels and with family members. Valentines Day passed and they wouldnt even provide me with a hotel for me and my wife. No one wouldnt even answer the phone. I never missed one single payment I dont understand why I am getting treated this way. My home caught a fire while I was at work. *** said it was electrical . I am suffering and need any help. I have no place to go. Can someone of town *** staff help me. My name is

Filed a claim with Tower Hill Insurance on August 1 for a mold issue in my home. They sent an adjuster out promptly who sent in his findings. I have provided Tower Hill with 3 estimates and have hired a remediation company because I cannot live in my home due to mold contamination. I have followed up with the claims department via phone and email and was told by the adjuster that I would have answer on Weds. 8/18 by 10am. It is now Friday 8/20 at 12:30 and despite calls and emails to my adjuster I have had no response.

I bought a home insurance with TOWER HILL PRIME INSURANCE COMPANY, my property got vandalized since feb. 16 2021, I made my claim and haven't heard anything from them, they just say it's under investigation, it's been 4 months and nothing! Dear ***, We received a report of damage to your property. Be assured that we are committed to helping to resolve your claim as quickly as possible. For your reference, we have included the following information: Claim Number: *** Policy Number: *** Date of Loss: 02/16 Cause of Loss: Vandalism or Malicious Mischief Adjuster Contact Information: Awaiting Assignment

I am appalled at the lack of follow up and accountability at this company. I filed a claim on 9/16 and 37 weeks, many calls and emails later, i have no communication regarding the status of my claim. The claims representative assures you on her voice mail that she will respond within 8 hours and if not, gives you contact info for her supervisor. That is a joke because Nobody returns calls. I have documented this entire journey and kept record of all emails sent and phone calls made. Most comical was my last call to my claims rep where she said her system was down and she would call me "as soon as its back up". Guess its been down for 10 days ?

Claim ***. The cause of the claim is winter storm hit texas (02/15), no power for 2 weeks, water pipe busted and flooded the whole house. At first, they agreed to pay for the damage and sent the demo company to dry out the house. After two weeks, the whole house was destroyed, kitchen and bathrooms were completed demoed. I received the denied letter with the reason I did not maintain heat before the loss. The estimated damage of at least $60,000 for repairing and income at over $10,000 were not covered. They never ever sent me a report nor the contract with the demo company. All I got was a rejection email. Any help in resolving this issue would be greatly appreciated.

My claim # is *** for damages done to my house at *** insured by Tower Hill insurance company. On June 6 there was a storm in *** West Florida that destroyed my pool cage and damaged my property. After waiting 23 days to hear back from them all I got was a rejection email. They claimed even though I was covered by hurricane insurance they had a disclaimer on wind storms. The estimated damages of around $25,000.00 was not covered nor the loss of rental income at over $13,000.00. They never even sent me a report. All I got was a rejection email. This is not how you treat a loyal customer. Any help in resolving this issue would be greatly appreciated.

We got mold under the sink which was caused by water damage. I called the company and I was tod that It will be cheaper for me to have some one to look at it first and then call back with the report. I did that which took me a while to get some one genuine. After a long time of trying to get all they needed they sent out their appraiser who did exactly the same as the one we had gotten. I didnt hear from them after several phone calls they sent a reject letter. We have been with this company for 14 years never claimed anything and have paid ontime for 14 years. This last month they sent us a letter stating they are dropping us for renewal in september stating that we are not trust worthy customers accusing us of not keeping up with our home.

Canceled our flood insurance with ***. At that time we were told to do nothing, do not pay the bill, and the insurance would be canceled. Now, Tower Hill insists on billing us for $117.61. We found it literally impossible to speak to our agent, during the time we had the policy in question. We started with *** Insurance, which morphed into Guided Insurance Solutions, and finally Tower Hill Insurance. Through the roll ups and name changes, we found the customer service to be abysmal. Tower Hill couldn't bother themselves to make a phone call before turning the mistaken bill over to collection, further illustrating the company's arrogance and malfeasance. We have paid all our bills on time for the last 40 years, and is a matter of public record. This is not our debt.

I filed a water claim with Tower Hill Insurance that was denied. I proceeded to make repairs totaling $11,000. Tower Hill Insurance requested proof of repairs with photographs. I have submitted all documentation and now Tower Hill Insurance is challenging the repairs and disagreeing with my contractors. They have issued a Non-Renewal stating that I have not made any repairs and that has black listed me in the insurance industry from obtaining coverage with a new provider. I have read through other similar complaints with the Complaintsboard.com relating to disagreements of repairs and how Tower Hill Insurance will black list you in the insurance industry. My desired resolution is for Tower Hill Insurance to either rescind the Non-Renewal or to issue the Non-Renewal as a Reduction of Hurricane Exposure. Then I will be able to move forward and obtain coverage with another provider.

We experienced a pipe burst in our kitchen on 4/23 we contacted Tower Hill Insurance and filed a claim. We were assigned loss adjuster (***) *** on 4/26 and on that same day she sent out an *** a field inspector. Scott sent his report to the adjuster on 4/29. Since 4/26 we received no communication from loss adjuster *** we have left numerous messages and my husband has sent her an email and no return calls. In order to protect our home and avoid further damage we removed the cabinets that were affected by the water damage and we had a plumber come out immediatley to find the burst pipe and repaired the pipe. I need a return phone call and follow up with Tower Hill as I have no running water in my kitchen since 4/23/ 2021 it has been almost a month without communication. Yesterday, I contacted Tower Hill and was promised by customer service that the loss adjuster would contact us yesterday and she did not.

I received a non renewal letter from Tower Hill requesting proof of repairs from a hurricane claim - which I did submit and then then proof of a total replumb of my home. The request for a total replumb of my home is outrageous and totally not needed. I have not and do not have a single issue with the plumbing of my home. Many years ago (7yrs I believe) I had a toilette leak which I took care of and replaced the toilette. Tower Hill refuses to renew my insurance because I wont replumb my home. GREAT I wont renew with you BUT we are now unable to get insurance from anyone else because Tower Hill wont take " Total replumb through the slab" off my nonrenewal letter. They have NEVER paid a penny for any plumbing issues. If they didnt want to renew our insurance they should have just dropped us. NOT sent out a outrageous none needed repair that isnt even the recommendation of plumbing. They have caused us to basically be blacked listed from getting home insurance because of their request.

Tower Hill issued a Home Owners policy with Animal Coverage listed in the declarations. Then they hid an exclusion for the same item on page 8 after Omega insurance transferred all their Florida Homeowner's Policies to Tower Hill. After a questionable dog bite accusation, the accuser "disappears". Subrogation from this person's WC provider is suspended after 30 days pass. Tower Hill, has not sent us confirmation that this claim closed without payment. Tower Hill has now sent a Cancellation Notice due to a "biting dog". But since their position on the now closed dog biting case is that we do not have coverage, How can that affect the policy? Tower Hill tries to walk with one leg on each side of the fence and is not there for you if you do have an issue. Their practices are duplicitous and unjustifiable. You can't insure and then un-insure a client in the same set of documents. Furthermore, how do you cancel someone for a non-claim (closed, unpaid) over an incident you claim you don't cover?

After getting my roof inspected I was told I have hail damage. I filed a claim with Tower Hill on March 17. I received a call from the desk adjuster 2 days later and was sent a notice in the mail. The desk adjuster set up a time for the field adjuster to come out which was March 24. I then received notice that the desk adjuster received the report on April 2. I called on April 3and was advised by the customer service department that the report is not in. Well I called April 10 and left a message for the adjuster to call me back. No call back. I sent emails requesting status and numerous call to Tower Hill. Then on April 24 I called the customer service department number again and was advised if no one calls me back in 2 business days to ask to speak with a supervisor. I called back and did just that. I spoke with a team lead who said she would have to look up the repair and call me back. She never did.on April 29th I got on social media and was called with 25 minutes. The team lead said she wanted to send out an engineering firm because the previous field adjuster could not determine what caused the damage to my roof? Really. So I was told by the team lead that she would have the engineer call her from my house and get verbal confirmation of damage. I was told if there is any hail damage they would not delay the claim any longer and would pay. The engineer came out on Monday April 11. I called Tower Hill Tuesday and the desk adjuster said the team lead is out but he will call the engineering firm and get back with me. Well no call back! Called today the team lead and desk adjuster no call back. Tower Hill is stalling to pay a claim. They should not be treating military families like this or civilian families!