Tower Hill Insurance is here to help you rebuild after the storm. Whether you need to file a claim, begin repairs, or access local resources, we are here to help!
What Happens During the Claims Process?
We understand how difficult it is when your home or property is damaged by a storm. At Tower Hill, we promise your claim will be handled fairly, accurately, and timely.
Click each step to learn about the process of your claim when the unexpected happens.
Report Your Claim
If you have damage to your home or property, most importantly please be sure that you and your family are safe! Report your claim online at THIG.com/Report, by phone at (800) 342-3407, or with the Tower Hill Mobile App as quickly as possible after you notice the damage. If you need emergency repair services, such as tarping your roof or boarding up broken windows, contact CastleCare at 844.TOWER.11 (844-869-3711) for assistance.
Take steps to prevent further damage, but only if you are safely able to. Taking photos of the damage to upload via the mobile app and/or share with your Tower Hill claim adjuster can help speed up the process.
We’re committed to being there when you need us.
Adjuster Assigned
Your claim adjuster may be able to review the damage without conducting an in-person inspection, by fast-tracking your claim review using photos, virtual inspections and/or aerial imagery. However, depending on the severity of the damage we may need to schedule an on-site inspection. If the area is impacted by severe outages, it may take longer to contact you. Your adjuster can answer questions about your policy coverages, deductibles and the claim process. Track your claim status on the Tower Hill Mobile App or through your Customer Portal account.
Depending on our current volume, we anticipate contacting you within one business day.
Damage Assessment
When an inspection is required, your adjuster will work with you to schedule a date and time. Inspection reports detail the damage and include estimates for repair and/or replacement costs. The claim payment is initiated when the inspection report is completed.
Depending on the extent of the damage, additional information may be required to complete the inspection report. If we are unable to provide the inspection and payment right away, we’ll strive to contact you within seven business days to discuss the next steps.
We strive to have your report completed at the scheduled on-site inspection.
Payment & Repair
Our ClaimsPay® by One Inc. option allows for electronic funds transfer for most claim payments. If your claim is eligible for the digital payment option, you’ll receive an email directly from One Inc. to select your payment preference (i.e., direct deposit/ACH, PayPal or Venmo).
CastleCare, powered by Alacrity Solutions, is a full-service contractor network available exclusively for Tower Hill customers. CastleCare specializes in all aspects
of the repair and rebuild process. Participating service providers are experienced and credentialed independent contractors; warranties are provided for completed projects.
We strive to initiate your payment at your on-site inspection so repairs can begin.
Questions
If you have a question or unresolved issue with your claim, please contact us by email at claims@THIG.com or by phone at (800)342-3407, and we’ll be glad to help. If you discover additional damage after your claim was resolved, or if your repair cost exceeded the claim amount, please contact us so that we can assist you.
Your satisfaction is our goal.
Helpful Claims Information
Hiring a Contractor
Do you need to repair or rebuild your home? Contact CastleCare, powered by Alacrity Solutions, a credentialed and trusted network of contractors available exclusively for Tower Hill policyholders.
More Resources
These resources include tips for rebuilding and protecting your home from further damage, as well as contact information for disaster response organizations available to assist you after the storm.
