Homeowner Resource

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....
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....

Disaster Insight: Navigating the January 2025 C...
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...
Disaster Insight: Navigating the January 2025 C...
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...

Insurance Information: What are estimating or i...
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...
Insurance Information: What are estimating or i...
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...

Claim Insight: Who is a public adjuster? Can th...
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...
Claim Insight: Who is a public adjuster? Can th...
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...

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...
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...

Claim Insight: Unlocking the Mystery of Depreci...
Meta Description: Demystify insurance claim depreciation with our in-depth guide. Learn about ACV, RCV, recovering depreciation, and how to ensure you're not leaving money on the table!
Claim Insight: Unlocking the Mystery of Depreci...
Meta Description: Demystify insurance claim depreciation with our in-depth guide. Learn about ACV, RCV, recovering depreciation, and how to ensure you're not leaving money on the table!
You shouldn’t have to be a claims expert to receive a fair settlement.
An insurance claim is a negotiation.
Without a background in construction and a strong understanding of your policy and rights as a consumer, you are at high risk of being underpaid by thousands of dollars or, worse, having your claim denied altogether.
With Tugboat you don’t have to be an expert to receive a fair settlement.