What to Do After a Storm

Storm preparation is important, but knowing what to do after a storm can help you begin the recovery process more quickly and safely.

Once conditions are safe, document any damage, take steps to prevent further loss and report your claim to Tower Hill as soon as possible.

Document Storm Damage Before Cleanup

Take photos or video of any damage before beginning cleanup.

If possible, do not throw away damaged items until your claims adjuster has reviewed them. However, remove water-soaked items when necessary to help prevent mold.

Having a household inventory available can also help your claims adjuster review damaged belongings. Include photos or videos, receipts, and identifying information such as make and model numbers when available.

Report Your Claim to Tower Hill

Notify Tower Hill of damage as soon as possible.

You can report a claim online, through the Tower Hill mobile app or by calling 800.342.3407.

For more information about what to expect after you report a loss, visit our Claims page for an overview of the claims process, available resources and next steps.

Make Temporary Repairs to Prevent Further Damage

Take reasonable steps to help protect your property from additional damage while you wait for your claim to be reviewed.

Temporary repairs may include:

• Placing tarps over damaged areas of the roof
• Boarding up broken windows
• Taking other temporary measures to keep weather from causing additional damage

Hire only licensed, reputable repair companies and keep receipts for repairs to provide to your claims adjuster.

What Happens During the Damage Assessment?

Your Tower Hill claims adjuster may be able to resolve your claim without an on-site inspection.

Depending on the severity of the damage, Tower Hill may instead use photos, repair estimates or virtual inspection reports to help determine the cause and extent of the damage.

Your adjuster will be your primary contact throughout the claims process and will explain which damage assessment options are available. Your adjuster can also answer questions about policy coverages and deductibles.

If your home needs repairs after a covered loss, Tower Hill’s CastleCare program can connect eligible policyholders with participating contractors for covered repairs.

Use Generators Safely After a Storm

If you are using a portable generator after a storm, follow the manufacturer’s instructions and use caution.

Never operate a generator in an enclosed area because generator engines emit carbon monoxide.

Generators should only be used:

• Outdoors
• Away from doors, vents and open windows
• In dry conditions
• Away from open flames

Tower Hill Is Here to Help

Tower Hill has been serving Florida homeowners since 1972.

If your home or property is damaged, your insurance agent, claims adjuster and Tower Hill claims team are available to help guide you through the claims process.