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Expert Guidance for Unclear Moments

Explore expert insights, advice, and tips to help you with your home insurance claims.

Claim Insight: What Is a Reservation of Rights Letter?

Claim Insight: What Is a Reservation of Rights Letter?

A Reservation of Rights letter is a standard practice in the insurance industry. However, it’s important to understand what it means and how it might affect your claim.

April 4, 2025
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Disaster Insight: Navigating Homeowners Insurance Claims After Wildfires and Total Loss

Disaster Insight: Navigating Homeowners Insurance Claims After Wildfires and Total Loss

Wildfires can expose issues across all areas of property claims, from small claims due to smoke damage to total loss claims where everything is lost. These claims are complex, difficult, and emotional. Every primary coverage will be addressed in total loss claims (building, contents, other structures, and Additional Living Expenses) along with many supplemental coverages and endorsements.

March 28, 2025
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Disaster Insight: Insurance Coverage Gaps with Wildfires

Disaster Insight: Insurance Coverage Gaps with Wildfires

Wildfires can cause devastating damage, leaving homeowners to navigate the challenging and often confusing process of filing insurance claims. Unfortunately, many homeowners discover significant gaps in their coverage only after a wildfire strikes. Understanding these potential gaps and how to address them can make a crucial difference in ensuring you're adequately protected. This guide examines common insurance coverage issues faced by homeowners and provides tips to help you close these gaps.

March 21, 2025
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Policy Insight: What to Ask Your Agent When Signing Up for Home Insurance

Policy Insight: What to Ask Your Agent When Signing Up for Home Insurance

Signing up for homeowner’s insurance isn’t just about picking a policy and calling it a day; it’s about making sure everything valuable is properly covered before disaster strikes. The worst time to find out you’re underinsured is when you need to file a claim.

March 14, 2025
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Claim Insight: Damage happened to my property; is it worthwhile for me to file a claim?

Claim Insight: Damage happened to my property; is it worthwhile for me to file a claim?

Not sure if you should file a homeowner’s insurance claim for property damage? Discover key tips for making an informed decision, and learn how Tugboat’s expert support can guide you through the process.

March 7, 2025
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Insurance Relations: Common Coverage Pitfalls to Avoid

Insurance Relations: Common Coverage Pitfalls to Avoid

Learn about common coverage pitfalls in property insurance claims, from misunderstanding policy limits to failing to document damage properly. Discover practical tips to avoid issues like inadequate coverage, high deductibles, and delayed reporting, ensuring your claim goes smoothly when disaster strikes. Stay informed to protect your home and get the payout you need.

March 7, 2025
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Disaster Insight: What Should Homeowners Have “Ready to Go” in Case of an Emergency?

Disaster Insight: What Should Homeowners Have “Ready to Go” in Case of an Emergency?

Emergencies strike when we least expect them: storms, fires, floods, or even sudden plumbing disasters. When they do, the last thing you want is to scramble for essential documents or struggle to remember policy details. A well-prepared homeowner is a well-protected homeowner.

March 7, 2025
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Claim Insight: Why Taking an Active Role is Essential

Claim Insight: Why Taking an Active Role is Essential

Filing and managing an insurance claim is undeniably complex and unpredictable. Take an active role and equip yourself with the right information and resources, to tilt the odds in your favor. Don't let the roll of the dice dictate the recovery of your losses; take control and maximize your claim's potential.

February 28, 2025
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Claim Insight: Meet the Experts Who Will Help You Through Property Damage Claims

Claim Insight: Meet the Experts Who Will Help You Through Property Damage Claims

Facing property damage? Find out who can assess and repair your home after an insurance claim. Learn about the roles of insurance adjusters, contractors, and specialized experts in navigating property insurance claims, with tips on hiring the best professionals for the job. Whether it’s fixing a roof, removing mold, or negotiating your claim, Tugboat has got you covered.

February 14, 2025
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