Should I File a Claim If the Damage Is Less Than My Hurricane Deductible?

Yes. Tower Hill recommends reporting hurricane damage as it occurs, even if you believe the cost of the damage may be less than your hurricane deductible.

Why Should I Report the Damage?

A hurricane deductible is generally applied once during the calendar year.

If multiple hurricanes cause covered damage to your home during the same calendar year, the amount you have already paid toward the hurricane deductible may apply toward meeting that deductible for subsequent hurricane losses.

Once the hurricane deductible has been met for the calendar year, the applicable All Other Perils (AOP) deductible may apply to subsequent covered windstorm losses.

For more information about reporting a loss and what happens after you file, visit our Claims page.

Does Filing a Windstorm Claim Affect My Loss History?

Reporting windstorm damage does not reflect negatively on your policy loss history in the same way as losses caused by All Other Perils, such as theft or fire.

Please refer to your policy for the specific terms, conditions and deductibles that apply to your coverage.