If you haven’t done so already, please take the necessary steps to prepare so that you and your family can stay safe during the storm.
We realize that, for some customers, this may mean leaving your home and evacuating the area, so we urge you to follow the advisories issued by state and local authorities. Be sure to know your local evacuation route(s) and the location of shelters in your area, should it become necessary. The safety of you and your family is our priority.
Here are a few quick reminders as you prepare:
- Important documents, such as insurance policies and helpful contact information, should be placed in a waterproof container that you can access easily. You can access your Tower Hill policy information online at THIG.com/portal. (Be sure to create your account ahead of time, if you haven’t already. You’ll need information from your policy declarations page to register.)
- Because of COVID-19 concerns, please sure to include the following items: face coverings, gloves, hand sanitizer, and disinfecting wipes.
- Any medications and supplies for members of your family that may need extra care — children, grandparents, and pets — are best kept in a waterproof container, too.
- Non-perishable food and water supplies, along with trash bags and paper items, can be kept in a central location in the event you need to evacuate quickly.
- Flashlights, lanterns, and weather radios should be fully charged, and/or have extra batteries close by.
- Fill your automobile tank up with gas (or diesel) before the storm.
- Because ATMs and credit card scanners may not be operable during a power outage, be sure to have cash on hand.
- Get the latest storm updates, forecasts, and preparation advice by visiting Tower Hill’s Storm Center.
During and after the storm:
- Especially when winds are high, the safest place in your home is generally a room in the center with no windows or exterior doors.
- Cell phone service may not be reliable, so keep a battery-powered radio handy and tune in to weather alerts.
- When it’s safe to go outside, watch out for downed power lines and potentially dangerous items that may be hidden by debris or standing water.
- Do not attempt to drive in the storm, but if you do, be especially cautious traveling in flooded areas after the storm. Standing water and puddles can be much deeper than they appear.
- If your electricity is out, and you’re using a portable generator for power after the storm, follow the manufacturer’s instructions and use caution. Never use a generator in an enclosed area, because the engines emit carbon monoxide. Generators should only be used outside, away from doors, vents, and open windows. Do not operate the generator during the storm or in wet conditions; the fuel is highly flammable and generators produce significant voltage.
In the event of damage to your home or personal property, you can report your claim online 24/7 at THIG.com/report. Below is the contact information you’ll need for reporting a claim. We are here to help!
| ONLINE (or email) | PHONE | |
|---|---|---|
| RESIDENTIAL PROPERTY | THIG.com/report | 800-342-3407 |
| Claims documentation, such as photos, estimates, and receipts, can be emailed to claims@thig.com. Be sure to include your claim number in the subject line. | ||
| FLOOD WITH Lloyd's | THIG.com/report | 800-342-3407 |
| TOWER HILL SPECIALTY | THSpecialty.com/report | 888-795-7256 |
| WATERCRAFT (SkiSafe) | Skisafe.com | 800-225-6560 |
| COMMERCIAL CLAIMS | CommercialClaims@thig.com | 800-342-3407 |
If you need to file a claim, here are some things you can do to help speed up the process:
- Take photographs of any damage.
- Protect your home and property from additional damage (unplug electronics, secure outdoor items, close hurricane shutters).
- Keep all receipts for expenses you may incur, such as emergency repairs.
Emergency Repair Services — CastleCare
If you need emergency repair services (i.e., water removal; tarp roof; board up broken windows), please contact Tower Hill’s credentialed contractor network program, CastleCare, at 844.TOWER.11 (844.869.3711). The CastleCare Call Center for emergency repair services is available to customers 24/7.
COVID-19 and Virtual Home Inspection Option
We recognize the unique challenges and concerns due to COVID-19. Your safety and that of our Tower Hill team members is our top priority. Our team members and vendor partners follow strict COVID-19 safety protocols, including social distancing and wearing face coverings and gloves when assisting customers on-site to review damages and/or make home repairs. To minimize contact, we’ve also introduced virtual home inspections for Tower Hill customers.
Beware of post-storm fraud
Unfortunately, after a storm there is often price gouging for items high in demand such as gas and water. Price gouging is illegal! Report gouging to state authorities or download the free app for iOS and Android devices.
Building or roofing contractors also may go door-to-door after a disaster to offer assistance. Be sure to know your rights and read the fine print carefully 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 to act on your behalf and may allow the contractor to receive funds directly from your insurance company. By signing an Assignment of Benefits document, you may be signing away your rights.
If you suspect insurance fraud, you can contact Tower Hill at 866.265.6590 or submit a form online at NICB.org. Your tip can be anonymous.
BE SAFE, AND REMEMBER, WE’RE HERE WHEN YOU NEED US!