Tower Hill Plumbing System Certification Form: What It Is and How to Get It Signed in Florida

Quick answer: The Tower Hill Insurance Plumbing System Certification Form (Rev 5/2020) is a one-page underwriting form. It records the age, materials and condition of a home’s plumbing, the water heater and every fixture supply line, along with a set of color photos. Tower Hill requires it to be signed by a Florida-licensed plumber or contractor with a license number, usually before it will add or increase water damage coverage. BSP1 Plumbing completes and signs these forms in Orlando, Kissimmee and St. Cloud under Florida license CFC1432849. See our insurance plumbing certification service.

Why your insurance company sent you this form

Water damage is one of the most expensive claims Florida insurers pay. Before they write a policy, or before they add or raise water damage coverage, many carriers want a licensed professional to confirm the plumbing is in acceptable condition. They ask most often when the home is older, when the plumbing has not been updated, or when the original pipe material is unknown. Tower Hill’s form says it plainly: it contains the minimum data underwriting needs to evaluate the risk.

The specific form is not mandatory. Tower Hill accepts any document, such as a pre-sale home inspection, that gives the same level of detail. In practice, most homeowners find it fastest to have a licensed plumber fill out the form they were sent.

What the plumber has to fill out

1. Plumbing system

Overall age of the plumbing and the year it was last updated
Condition of the system and estimated years remaining
Supply line type inside walls and foundation, by percentage: copper, PVC/CPVC, galvanized, PEX or other
Drain line type by percentage: copper, PVC, galvanized, cast iron, with age and condition

2. Water heater

Location, age and condition
Supply line material
Whether a TPR (temperature and pressure relief) valve is present
Whether there is a drain pan or leak sensor

3. Water shut-off and hazards

Is the main water shut-off clearly marked, and do all residents know where it is?
Any active leaks, signs of prior leaks, or other connections or hoses that are leaking or cracked

4. Supply lines at every fixture

A table covering toilets, bathroom sinks, kitchen sinks, laundry sinks, the washing machine, the refrigerator ice maker and the dishwasher. For each one it records the number of fixtures, the supply line material, the age of the lines, active or prior leaks, and whether the condition is acceptable. The form defines acceptable as “working as intended” with no corrosion, fraying, bulging or cracking.

The photos Tower Hill requires

Color photos are required for each of the following:

Supply lines under the bathroom sink(s)
Supply lines under the kitchen sink(s)
Kitchen and bathroom cabinet toe kicks (where hidden leak stains show up)
Toilet supply line(s)
The water heater, including the data label and the TPR valve
Tiled showers
Washing machine hoses and laundry connections, if applicable

Missing photos are one of the most common reasons a form gets sent back. We take all of them during the same visit.

Who is allowed to sign it

The certification must be signed and dated by a Florida-licensed plumber or contractor, with the license number written on the form. The signer certifies that they personally inspected the property on that date. The inspection is visual only, and the form states that it is not a warranty.

Common reasons a home does not pass

Galvanized or polybutylene supply pipe. Many carriers treat these as high risk. A whole-home re-pipe to PEX or copper is the usual fix.
Old braided supply lines and washing machine hoses. Bulging or frayed lines are cheap to replace and are a top flag.
A water heater with no pan or TPR discharge, or one near the end of its life. See water heater installation.
Active or prior leaks under sinks, behind toilets or around tiled showers. Our leak detection finds the source before it becomes a claim.
An unmarked or seized main shut-off valve.

If something does not pass, we write it on the form as we found it, give you a quote to correct it, and re-certify once the repair is done.

How to get it done in Orlando, Kissimmee or St. Cloud

Call (321) 732-5615 or schedule online. Tell us the insurer, the form name, the address and the year built.
A licensed plumber inspects the home and takes the required photos.
You receive the completed, signed form plus the photos to send to your agent or insurer.

BSP1 Plumbing (Blessed Solutions Plumbing) is an independent, family-owned, licensed plumbing contractor with ★★★★★ hundreds of 5-star reviews on Google. We are not affiliated with Tower Hill Insurance or any other carrier, and we cannot guarantee your policy decision. What we can give you is an accurate, signed record of your plumbing. If you are dealing with an active leak or a claim instead, read how we work with homeowners insurance claims.

Frequently asked questions

What is the Tower Hill Plumbing System Certification Form?

It is an underwriting form from Tower Hill Insurance (Rev 5/2020). It documents the age, materials and condition of a home’s plumbing, the water heater and the fixture supply lines, with required color photos, so Tower Hill can evaluate water damage risk.

Who can fill out and sign the plumbing certification form?

A Florida-licensed plumber or contractor must sign and date it and include their license number. BSP1 Plumbing signs under Florida license CFC1432849.

Do I have to use Tower Hill’s exact form?

No. Tower Hill states the specific form is not required, but any document you submit must include the same level of detail.

What photos are required?

You need color photos of the supply lines under the bathroom and kitchen sinks, the cabinet toe kicks, the toilet supply lines, the water heater with its label and TPR valve, tiled showers, and the washing machine hoses or laundry connections if the home has them.