Get Help With Your Home Insurance Claim
Fight denied claims, underpaid settlements, and adjuster delays. Expert backup, no contingency fees.
What We Do
and why it matters
When you're dealing with insurance, it's easy to feel overwhelmed. Policies are confusing. The process feels stacked against you.
Tugboat provides plain-language advice, expert support, and practical help, so you can make confident decisions, protect your home, and get the full support your insurance is supposed to provide.
You stay in control. We back you up.
Choose the path that fits your needs, and we'll guide you from there.
I Have A Claim
I Don't Have A Claim
I'm In A Disaster
Real Homeowners. Real Results.
“Tugboat has been instrumental in helping me navigate the claim process - without their expertise and quick handling of my issues I would be completely stuck. It's been so comforting to have their support and guidance throughout this mess. I can't thank them enough and highly recommend them if you have to submit any insurance claim. Thank you Tugboat for everything!!”
Natalie
“I faced a complex insurance claim that dragged on for several months, and having Tugboat by my side made a huge difference. Their guidance gave me the confidence to move forward, and Rachel was absolutely wonderful—always warm, thoughtful, and ready with helpful advice. She even took the time to create reply templates, which made the communication smoother and less stressful. What I loved most was knowing I wasn't alone in the process. It's incredibly helpful to work with someone like Rachel, who has experience as an adjuster—she understands both sides of the process and can offer realistic, actionable advice that truly makes a difference. I highly recommend them to anyone navigating the stressful world of insurance claims!”
Cecilia Robles
“We have been struggling with our homeowners insurance since the Eaton Fire. We weren't yet sure about hiring a Public Adjustor but knew we needed help navigating the language in our policy and understanding how best to advocate for our needs. Tugboat has been extremely helpful for us - the responses are thorough, fast, and supportive. It feels like we have someone very knowledgeable in our corner and I no longer feel like I'm banging my head against a wall with insurance. I'm so grateful that we found this company and have found the experience to be very user-friendly and pleasant. Special thank you to Rachel who has been wonderful in helping prepare our documentation with our insurance.”
Stephanie
“The fantastic team at Tugboat reviewed my insurance coverages and gave me insight into insurance claims processes for my house fire.”
Saumya
“If it weren't for the Tugboat crew, I would have accepted the pittance offered by the insurance company and thrown in the towel long ago. When it comes to insurance, I'm like a fish out of water. But with the help of the Tugboat crew, I now have a chance—a good chance—to prevail against the insurance company. The tremendous preparation and documentation by the Tugboat crew, especially in the face of a potential lawsuit, has made all the difference. The knowledge and support provided by the Tugboat crew has way beyond anything I have ever received from even my insurance agent. You will never regret signing up with Tugboat!!!”
Joe Karl
“We recovered our entire home because of Tugboat's help! To anyone considering using Tugboat – you absolutely need to listen to these guys because they turned out to be 100% accurate for us.”
Clay
“Tugboat stepped in at a critical time. From day one, the team helped us make sense of the chaos—breaking down technical jargon and providing clear, actionable guidance. Tugboat has become a steady point of clarity and confidence for us in an otherwise turbulent situation. What we appreciate most about Tugboat is their consistency and responsiveness. It feels less like a tool and more like a trusted teammate. Tugboat gave us back control when things felt out of our hands—and for that, we continue to feel incredibly grateful.”
Amelia
“I detected a small leak in my kitchen and called my insurance company to resolve it. Unfortunately the insurance company denied my claim. Tugboat was recommended to me and I'm so glad I found them! They've guided me through the process of working with the insurance company with compassion and skill. They have been a huge ally. I can't imagine going through this without their guidance. I've been recommending Tugboat to all my friends and family.”
Jason
“I lost my house in the Palisades Fire and am underinsured. Aaron was very kind to take a call and go through the next steps at the beginning, when the whole situation was overwhelming. We were then guided by Rachel who was amazing. I would confidently recommend working with Aaron and his team at Tugboat. They have in-depth working knowledge of how insurance companies operate in claim situations, they are concise and I feel like I was very fairly treated and spoken for. Hopefully you will never need their services, but if you have the misfortune of needing help with Insurance claims, then Tugboat are competent experts that I would highly recommend!”
Curzon Peier
Tugboat is Here to Back You Up
No contingency fees. No pressure. Just help.
Home Insurance Claim Questions We Hear All the Time
Real answers to real claim issues
Usually, cashing the check does not mean you agree to the offered settlement amount. When to be cautious is if the words "full and final" are printed on the check or the insurance company made you sign a release before sending the payment.
This happens a lot. Insurance estimates are built using pricing databases that don't always reflect real-world costs. If your contractor's bid is higher, you can advocate for the difference to be issued in a supplement payment.
The short answer is that it depends on your policy and state regulations. Sometimes diagnostic and even destructive testing is covered. Other times the insurance may only pay for the work if the damage ends up being covered. In some instances the insurance company will try to selectively cover some types of testing and not others.
When you took out your loan, you agreed to name the mortgage company as a payee on your policy. It doesn't mean they keep the money, but they do have control over when and how those funds are released to you.
No. You always have the right to choose your own contractor. Choose someone you trust, and know that Tugboat can help you compare scopes to be sure the repair plan is complete. One exceedingly rare caveat to this is if your policy has a right to repair clause that the insurance company chooses to exercise.
Many policies with Replacement Cost coverage only pay the depreciated value upfront with the difference only paid after proof that the item has been replaced.
Expert Guidance
Claim Support that Has Your Back
We help you write strong letters, compare estimates, and negotiate with confidence. Get support at every stage of your claim.
Talk to A Claims Expert
Tugboat members get direct access to licensed experts who know how to navigate complex claims issues.
Protect Your Property Before You Need To
Get a plain-language review of your insurance and help documenting your home and belongings now, so if disaster strikes, you're ready to recover fast.
Denied or Underpaid? Fight Back.
More than half of Tugboat members successfully overturn their denials.
Hit by a Disaster? Don't Go It Alone.
FREE claim support for major disaster zones.
FAQ
Tugboat isn't an insurance company. That's exactly the point. Insurance companies make big promises to earn your business, but those promises are often forgotten when it's time to pay a claim. Tugboat helps make sure the policy you bought lives up to the promises you were sold. We help you spot weak points, document what matters, and get ahead of the issues that keep people from getting paid, so the safety net you've been paying for actually catches you when the time comes.
Your agent plays an important role in helping you choose the right coverage, but their expertise usually focuses on setting up the policy, not on how it performs in a real-world situation. Tugboat helps you take the next step: We review your policy through the lens of how claims actually work, helping you spot gaps or risks you might not have seen. We also help you document your home's true value, giving you the tools you need to work with your agent to strengthen your coverage, fill exposures, and make sure your protection matches your real-world needs. It's not about replacing your agent. It's about making sure your insurance is ready to deliver when it matters.
We hope you never have to file a claim, but if you do, being prepared can make all the difference. One of the less obvious but incredibly important ways we help is by guiding you through that critical moment after damage happens, when you're deciding whether to file a claim at all. Claims, even withdrawn or denied ones, stay on your record and can have real consequences, so it's not always the right move. We help you make that call with clarity, not guesswork. Beyond that, your membership ensures you: Know your coverage, Have complete documentation ready if the worst happens, Get expert guidance when you're hiring contractors, whether for repairs, renovations, or upgrades. We'll review estimates, compare scopes of work, and help you manage projects with confidence. Whether you're using a trusted partner or someone new, we help you navigate the process from a position of strength.
Tugboat doesn't take a cut of your claim. We don't represent you. We equip you. That means you stay in charge of your claim, keep more of your money, and avoid unnecessary conflict unless it's truly needed. Plus, if your situation does require formal representation, we'll help you figure that out. We work closely with public adjusters and insurance attorneys, and Tugboat members are better prepared to hand off strong, well-documented files that get results faster. We give you expert backup without slowing you down, so you get faster, smarter outcomes when every dollar matters.
Because an insurance policy is only as good as the claim it eventually covers. We help make sure yours is set up to do that well. That means flagging coverage gaps, documenting your home and belongings before anything happens, and identifying red flags most people only discover after a loss. We've seen how claims fall apart, from denied coverage on overlooked items, to people losing out on tens of thousands because they couldn't prove what they owned. Tugboat helps you avoid those mistakes and make sure your insurance works the way you think it does. It's not about having a policy. It's about making sure the policy holds up when it counts.