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Expert Guidance for Unclear Moments

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

Insurance Information: Good or Bad Faith?

Insurance Information: Good or Bad Faith?

Learn what to do if your insurance claim is denied and how to effectively fight back to get the coverage you deserve.

February 4, 2025
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Claim Insight: Who is involved in a claim?

Claim Insight: Who is involved in a claim?

Be prepared to open your home to plenty of strangers after filing a claim. Filing an insurance claim means interacting with various professionals who each play a specific role in assessing and addressing your damage.

February 4, 2025
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Insurance Information: What are estimating or internal guidelines?

Insurance Information: What are estimating or internal guidelines?

Estimating guidelines play a critical role in the insurance claim process and are a black box for the policyholder. The process helps ensure that damage is assessed accurately and that repair costs are fair and consistent, and is most effective when the policyholder is an advocate for the full scope of restoration. By understanding these guidelines and actively participating in the estimating process, you can navigate your insurance claim with greater confidence and clarity.

February 4, 2025
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Claim Insight: Who is a public adjuster? Can they help me?

Claim Insight: Who is a public adjuster? Can they help me?

Whether you’re handling a claim on your own or need extra help, it’s important to know that you don’t have to go through the process alone. Public adjusters can be valuable allies when navigating a complex or disputed insurance claim, but if you’re looking for comprehensive support without the high fees, Tugboat is here to guide you every step of the way.

February 4, 2025
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Claim Insight: What is a virtual inspection?

Claim Insight: What is a virtual inspection?

Virtual claim inspections have become increasingly common, offering a convenient and efficient way for insurance adjusters to assess damage without needing to visit your home in person. If your insurance adjuster has scheduled a virtual inspection, here's a guide to help you navigate the process smoothly and know what to expect.

February 4, 2025
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Insurance Information: What is indemnification?

Insurance Information: What is indemnification?

Indemnity means that if you file a claim covered by your policy, your insurance carrier has a contractual obligation to restore you to pre-loss conditions based on the policy coverage. If you feel this obligation has not been met, i.e. the insurance carrier left you to cover the cost, didn’t pay enough on the claim, or didn’t pay for full repairs, you can ask your insurance adjuster about indemnity.

February 4, 2025
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Insurance Relations: How can I get an insurance company to respond to me?

Insurance Relations: How can I get an insurance company to respond to me?

Is your insurance adjuster not responding? Learn the best ways to get your insurance carrier to communicate about your home insurance claim, and discover how Tugboat can help ensure your claim stays on track.

February 4, 2025
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Disaster Insight: Navigating the January 2025 California Wildfires and Your Insurance Claim

Disaster Insight: Navigating the January 2025 California Wildfires and Your Insurance Claim

Recovering from a disaster like the 2025 California wildfires takes time, patience, and strategy. By keeping detailed records, leveraging your policy benefits, and staying proactive, you can pave the way to a smoother recovery process.

February 4, 2025
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Wildfire: A Comprehensive Guide to Navigating Smoke and Wildfire Damage Claims

Wildfire: A Comprehensive Guide to Navigating Smoke and Wildfire Damage Claims

Wildfire damage, whether it’s smoke-related or a total loss, can be overwhelming, both emotionally and logistically. Filing an insurance claim is a crucial step toward recovery, and the adjuster’s inspection plays a central role in ensuring fair compensation. Every claim is unique, and while this guide provides general guidance, it’s essential to adapt these suggestions to your specific situation.

February 4, 2025
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