Tower Hill Insurance reviews and complaints

Negative 5 stars!
The short version: Hurricane Irma caused a tree to fall on our house, along with several more on the property. The initial estimate of loss was incomplete by more than half. And this isn't damage that a contractor needed uncover. The estimate contained many items that said pending bid and a tremendous amount of items were omitted completely. After 3 months Tower Hill paid out on the incomplete estimate despite the pending bids and omissions and have done nothing else on our claim in 7 months except jerk us around. We had to hire a public adjuster to estimate the complete loss, which is not a recoverable expense by the way. My family and I, which includes our 100 year old grandmother!, are living in a half destroyed house with mold. My daughter's room is uninhabitable so we had to rent an RV to put on the property because she is the primary care giver for our grandmother. Even though we have plenty of Additional Living Expense (ALE) coverage, Tower Hill has stopped reimbursing us after 3 payments. Payments that were all 3 months late by the way. Three months! How do they expect people to carry additional living expenses for 3 months? From all of the expenses we are now $29, 000 in debt and rising each month. This is criminal in my opinion.

To add insult to injury, our mortgage company, PennyMac, will not release funds for items that are not expressly listed on the worksheet that is provided by the insurance company. The worksheet details the work to be done but more importantly the work they are paying out on. Because the estimate was so grossly under estimated there is work that needs to be done prior to the work they paid out on, i.e. electrical, plumbing, re-framing, code upgrades (none of these were on Tower Hill's estimate). So effectively, no work is being done on our house with money sitting in escrow that we have no control over.

The long version in case anyone wants to file a Civil Remedy Notice of Insurer Violations : We sustained a wind loss with ensuing damage at our property caused by Hurricane Irma. We promptly reported the claim to our insurer, Tower Hill Insurance Company a/k/a Omega Insurance Company. In response to the claim, Tower/Omega performed an inspection of the property and determined that the policy covered the loss. Tower/Omega subsequently made multiple payments to us under Coverages A (Dwelling), B (Other Structures), and C (Personal Property) totaling less than half of the true loss amount. Tower/Omega also tendered partial payments under Coverage D (Loss of Use). Unfortunately, the claim payments under each coverage were incomplete and inaccurate in scope and amount, and we were forced to obtain independent estimates for our covered losses. The estimates obtained by us, which accurately reflected our covered losses, exceeded the amounts previously paid by Tower/Omega. On April 18, 2018, we contacted Tower/Omega about the insufficient claim payments and submitted a Sworn Statement in Proof of Loss ("POL") along with supporting documentation. The POL included the amount claimed under coverages A (Dwelling), B (Other Structures), and C (Personal Property). These amounts were based on the estimates received and other supporting documentation that were provided to Tower/Omega. Additional payments are also due under Coverage D for our loss of use of our premises. Despite its timely receipt of the POL and notice of the claim dispute, Tower/Omega has refused to tender the remaining amount due and owing. Tower/Omega has acted in bad faith by failing to properly and promptly investigate the claim, failing to pay the full amount of the covered loss, and failing to communicate with us in contravention of Florida law. Tower/Omega has not attempted in good faith to settle the claim when, under all the circumstances, it could and should have done
so, had it acted fairly and honestly toward us and with due regard for our interests. They have failed to adopt and implement standards for the proper investigation of our claim. They have failed to acknowledge and act promptly upon communications with respect to our claim. They have denied to pay out our claim without conducting reasonable investigations based upon available information. They have failed to promptly provide
a reasonable explanation in writing to us of the basis in the insurance policy, in relation to the facts or applicable law, for denial of our claim or for the offer of a compromise settlement. They have failed to promptly notify us of any additional information necessary for the processing of a claim.

Here are some statutes that are of interest that may or may not be relevant to your problems.
624.155(1)(b)(1)
626.9541(1)(i)(3)(a)
626.9541(1)(i)(3)(c)
626.9541(1)(i)(3)(d)
626.9541(1)(i)(3)(f)
626.9541(1)(i)(3)(g)

Tower Hill insurance has a policy that if you file one single water damage claim back in 2009 (told by the underwriter it could be 100 years ago) they have a policy that they will non-renew coverage and will deny coverage for the rest of your life! this is what happened to me. upon calling the state's department of financial services, They indicate, while immoral, it is apparently not illegal for them to do this... You have been warned! BEWARE!

With H. Matthew, so far, we have been treated well. We are a little confused about the figures for our losses and depreciation's, etc., and will try to get better understanding tomorrow. They sent an independent adjuster out who did a great job, was kind, helpful, and most informative. His name was Charlie Close. Now, I am dealing with an in-house guy, Matthew Brady, and he also seems quite helpful, by phone and snail mail (just have to get some clarification of terms and figures). I hope things will go better for us, as most of these reviews are not good at all! I do have to say that thig took good care of us in 2004 when Charlie tried to beat us down and I hope they will be there for us now with Matthew. Will check back in and let you know how it all works out.

I became a customer of Tower Hill when Citizens went out of business. I recently had water damage in bathroom and bedroom due to faulty plumbing. I was reimbursed by TH and then received a notice of cancellation. Reason? "proprerty vacant or abandoned". I have lived here for 17 years. One claim and they drop you. They should be put out of business.

try being the company that does the restoration..they never return your calls or pay you on time. I advise everyone to drop tower hill insurance,

UPDATE: I am going to Mediation with THIG this Friday 6/13/2014. They are trying to wait me out, hoping I will go broke and are offering pennies on the dollar. They are disputing their own contractor estimates. What pieces of work. I am wondering if they are going to call the Mediator a liar as well. I had to hire an attorney to represent me on this. This would be against the law if a citizen did this to another. It called Theft and Fraud.

Well, Tower Hill called today and said it looked like a mistake and said I should be reinstated on Monday. Couldn't have been nicer. So paper work snafu? Anyway, I am very relieved. And, I guess I can take it all back.

I am having to take them to court over damages caused by a simple kitchen fire. Contractors are refusing to work with me when they find out I am insured by Tower Hill Insurance. Renee Heston and Nancy Weber are the adjusters on my claim. Please, stay clear of Tower Hill. I have been out of my home, as it is still smoke damaged, since 3/15/2014. Today is 6/3/2014. I have yet to receive ANY additional living expenses, which are provided for by my policy. No payments have been made for my damaged contents. All costs are being bore by myself and they haven't even offered a settlement but Tower Hill Insurance filed with the State Dept of Financial Services to go to mediation, instead of paying the claim or even making a decent offer.

RUN DONT WALK FROM TOWER HILL INSURANCE.

Just cancelled me 3 days into hurricane season for filing a roof claim. They paid after 3 inspections and a lot of hassle. But what a fool I was to return excess money to them. They cancelled me with days of cashing my check, thank you very much. My neighbors have similar house, same damage, same risk and exposure and got renewed. They are a couple...I am a widow. Just sayin. I have used them for years through 4 houses at the advice of my agent. I would say avoid them at all costs. They stink.

first they take your money then find an excuse to drop you. i have recently bought a rental property and through an agent bought Tower Hill home insurance, paid the premium in closing cost. but after a couple of weeks got a call out of blue that the inspector was at the property for inspection and found hairline crack on stucco and the property was unoccupied (it was in renovation) then they just abruptly canceled the coverage through the agent, left me have to look for new insurance