Ten Tips for Handling Insurance Claim Denials with Tower Hill Insurance

Receiving a claim denial from Tower Hill Insurance can leave you feeling overwhelmed and unsure about your next steps. After experiencing damage to your home or property, you expected support from your insurance company. Instead, you’re met with paperwork, explanations full of legal language, and a sense of confusion about why your claim was denied in the first place.

But here’s the truth: A denial does not have to be the end. Insurance companies like Tower Hill Insurance sometimes deny valid claims, whether by mistake, misunderstanding, or in bad faith. Many policyholders successfully overturn denials through persistence, knowledge, and expert guidance.

In this guide, we’ll explore ten actionable tips you can follow to challenge a denied claim and improve your chances of securing a fair settlement. If at any point you feel stuck, Louis Law Group is here to guide you through the process and fight for your rights.

Tip #1: Review the Denial Letter Carefully

The denial letter from Tower Hill Insurance is the starting point for figuring out your next steps. Many policyholders are tempted to skim through it quickly, but you should take your time and read it thoroughly, line by line.

Look for:

• The exact reason the claim was denied. Was it because they determined the damage wasn’t covered by your policy? Or did they say you missed a deadline?
• The sections of your policy they used to justify the denial. Sometimes, these references don’t actually apply to your situation.
• Instructions for appealing or providing additional information. You may only have a limited time to respond.

If you don’t fully understand the denial letter, ask someone with experience to explain it to you. Louis Law Group can help you interpret confusing language and develop an informed response.

Tip #2: Understand Your Policy Details

Many denials occur because of misunderstandings about what your policy does and does not cover. That’s why it’s critical to review your entire insurance policy—not just the parts Tower Hill mentions in their denial.

Start with:

• The Declarations Page, where you’ll find your coverage amounts and deductibles.
• The Coverage Sections, which explain what types of damage are covered. For example, if your roof was damaged in a storm, is wind damage specifically listed as a covered peril?
• The Exclusions Section, where the policy states what’s not covered. Sometimes insurance companies wrongly apply exclusions to deny a claim.
• The Conditions Section, which includes rules about filing claims. For example, did you report the loss on time? Did you prevent further damage by making emergency repairs?

Understanding these details empowers you to push back if Tower Hill incorrectly interprets your policy.

Tip #3: Gather All Relevant Documentation

The evidence you present can make or break your claim. After a denial, you need to build a strong case, which requires comprehensive documentation.

Here’s what to collect:

• Photos and videos of the damage, ideally from multiple angles and including close-ups.
• Repair estimates from reputable, licensed contractors. Get more than one estimate if possible.
• Receipts and invoices for emergency repairs or temporary housing.
• Correspondence with Tower Hill, including emails, letters, and notes from phone calls.
• A copy of your insurance policy, as mentioned above.

The more organized your documents are, the stronger your appeal will be. Keep them in a single folder or binder, sorted by type and date.

Tip #4: Take Photos and Videos of the Damage

While paperwork and reports are important, visual evidence often speaks the loudest. Clear, well-documented photos and videos can help prove the extent of the damage and that it was related to a covered event.

Best practices include:

• Taking photos immediately after the damage occurs and during the repair process.
• Showing the scale of the damage, including photos of the entire room or area.
• Using close-up shots to show detailed damage (e.g., water stains, mold growth, cracked foundation).
• If possible, providing before-and-after photos to show the condition of the property prior to the incident.

If Tower Hill tries to minimize the damage, your visual evidence can disprove their claims.

Tip #5: Request a Detailed Explanation for the Denial

If Tower Hill’s denial letter is vague, don’t hesitate to request more information. You have the right to fully understand why your claim was denied.

Send a written request asking for:

• A clear breakdown of the specific policy language Tower Hill used to justify their decision.
• Copies of inspection reports, photos, and any documents the adjuster relied on.
• An explanation of what additional information or evidence they would need to reconsider the claim.

The more information you have about why they denied your claim, the more effectively you can counter their reasoning.

Tip #6: File a Comprehensive and Timely Appeal

Tower Hill Insurance offers an appeal process, but it’s often bound by strict deadlines. Missing a deadline could end your chances of overturning the denial.

In your appeal letter:

• Address each specific reason for denial listed in their letter. If they said you didn’t provide enough evidence, provide more. If they cited an exclusion, explain why it doesn’t apply.
• Include new supporting documents, such as additional photos, repair estimates, or reports from public adjusters or engineers.
• Keep your tone professional and respectful, focusing on the facts rather than emotions.

Filing a complete and timely appeal demonstrates that you’re serious about protecting your rights.

Tip #7: Get an Independent (Public) Adjuster’s Opinion

Tower Hill Insurance’s adjuster works for the company—not for you. If you feel they underestimated your claim, hiring a public adjuster can help.

Public adjusters:

• Conduct their own inspection and document the damage thoroughly.
• Provide unbiased damage assessments and realistic repair estimates.
• Advocate on your behalf in discussions with Tower Hill.

Hiring a public adjuster can level the playing field, especially if Tower Hill is undervaluing your claim.

Tip #8: Keep Records of All Communication

Every phone call, email, and letter exchanged with Tower Hill can be important evidence in your case.

Create a log that includes:

• Date and time of each conversation.
• The names and job titles of the people you speak to.
• Detailed notes on what was discussed and any promises made.

If there’s ever a dispute about what was said or agreed upon, your detailed records can support your case.

Tip #9: Be Cautious When Accepting Settlement Offers

If Tower Hill offers you a settlement after denying or underpaying your claim, don’t accept it immediately. Take time to:

• Review the amount offered compared to your repair estimates.
• Make sure it covers all costs, including hidden damage like mold or structural issues.
• Understand that signing a release agreement often waives your right to pursue additional compensation later.

If you have any doubts, Louis Law Group can review the settlement offer and advise you on whether it’s fair.

Tip #10: Consult an Experienced Insurance Attorney

If you’ve followed all the steps above and Tower Hill continues to deny your claim, it’s time to seek legal assistance.

An experienced attorney can:

• Review your case to determine if Tower Hill acted in bad faith.
• Handle all communications and negotiations, taking the stress off your shoulders.
• File a lawsuit, if necessary, to recover the compensation you’re entitled to.

Louis Law Group has a strong track record of successfully handling insurance claim denials with Tower Hill Insurance. We understand their tactics and know how to fight back effectively.

How Louis Law Group Can Help

At Louis Law Group, we believe policyholders deserve to be treated fairly by their insurance companies. If you’re struggling with a claim denial from Tower Hill Insurance, we can help by:

• Offering a free policy review and consultation to assess your case.
• Collecting and presenting strong evidence to support your appeal.
• Negotiating aggressively on your behalf—and if necessary, taking Tower Hill to court.

We work on a contingency fee basis, so you won’t pay anything unless we win your case or recover a settlement.

Frequently Asked Questions (FAQs)

1. Why did Tower Hill Insurance deny my claim?

Common reasons include policy exclusions, lack of documentation, delayed reporting, and disputes over the cause of damage.

2. How long do I have to appeal a claim denial?

Usually, Tower Hill allows 30 to 60 days for appeals, but it’s essential to check your denial letter for specific deadlines.

3. Should I hire a public adjuster?

Yes! Public adjusters provide independent evaluations and can help ensure you receive a fair settlement.

4. Does Louis Law Group charge upfront fees?

No. We work on contingency, meaning we only get paid if we win your case or secure a settlement.

5. Can I sue Tower Hill Insurance for bad faith denial?

If Tower Hill denied your valid claim without good reason, you may be able to sue for bad faith. Louis Law Group can assess your case and guide you through the legal process.

Conclusion

Dealing with a denied claim from Tower Hill Insurance can be an uphill battle, but you don’t have to go it alone. By following these ten practical tips, you can strengthen your case and improve your chances of getting the compensation you deserve. And if you need expert guidance, Louis Law Group is here to help you every step of the way.

Are you ready to fight for the coverage you paid for?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.