A leading provider of residential property insurance in Florida, Tower Hill Insurance now offers stand-alone flood policies with coverage up to $5 million. Standard coverage through the National Flood Insurance Program (NFIP) is only available up to $250,000 for most homes. Tower Hill provides Florida homeowners significant advantages over the standard NFIP policies, through our Flood Program: Building replacement cost up to $5 million, with...

Be sure to read the fine print before you sign on the dotted line! An assignment of Benefits Agreement is sometimes provided by contractors that specialize in home repair and restoration, as well as roofers and plumbers. Before signing any document that includes Assignment of Benefits language, please read carefully and consider speaking with your insurance agent. Also referred to as an “AOB,” the agreement authorizes the contractor...

In this third installment of our educational video series, Tower Hill's Chief Underwriting Officer, Joel Curran, explains how Catastrophic Ground Cover Collapse is covered by your homeowners insurance policy. Topics include: - The different types of coverage available for earth movement in Florida. - What types of damage are eligible for coverage. - How a sinkhole deductible works.

In this session, we'll answer the question, "What is a 4-point inspection, and why do I need one for my homeowners insurance policy?" Tower Hill Chief Underwriting Officer Joel Curran is joined by Tim Treweek, President of The Duke Agency, and Michael Rowan, President & CEO of Inspection Depot.

In Florida, there have been significant building code changes over the years, largely due to our experience with hurricanes. Ordinance or Law Coverage provides for the additional cost to bring a building up to current building codes when significant repairs are needed.

Tower Hill's Joel Curran discusses what to look for in your renewal policy.