Claim Denied or Underpaid? You Have Options.
A denial isn't always final. Tugboat helps you understand why it happened, build a response, and push back the right way.
What a Denial Actually Means
Insurance companies deny claims for a lot of reasons — some valid, some not. The denial letter tells you the stated reason, but not always whether it holds up under your policy.
Before you accept the outcome, it's worth understanding what you're actually dealing with.
Why Denials Happen
Most denials cite a specific policy exclusion, a documentation gap, or a dispute about causation. Some are straightforward. Others are based on reasoning that doesn't match what your policy actually says.
What Tugboat Does
We help you read the denial, identify what the carrier relied on, and figure out whether there's a path forward — whether that's an appeal, a supplement request, or knowing when to bring in additional help.
What Denial Support Looks Like
Here's what Tugboat members get when they're working through a denial or underpayment.
Reading the Denial
Insurers are required to explain denials in writing. We help you read that explanation carefully — what coverage they cited, what facts they relied on, and what your policy actually says about the situation.
Letters and Responses to Your Insurer
We help you write clear, organized responses to your insurer — presenting your documentation, referencing your policy, and asking the right questions. The goal is a complete record, not a confrontation.
Estimate and Scope Review
Denied or underpaid estimates often have gaps — missing line items, wrong unit costs, or damage that wasn't captured. We help you compare the insurer's scope against your contractor bids so you understand the difference.
Documentation Guidance
Claims move on documentation. We help you identify what may be missing — photos, receipts, estimates, or other records — and organize what you have in a way that's clear and easy to follow.
Knowing When to Involve Others
Some situations call for a public adjuster or an attorney. We help you understand what those options look like, when they tend to make sense, and how to find the right person if you decide to go that route.
Real Homeowners. Real Results.
Pricing
Claim Support
$198
$99, Onboarding fee for existing claim
+ $99/year, Tugboat membership
14-day free trial. Renews at $99/year. Cancel anytime.
Includes:
- Help writing letters and emails to your insurer
- Photo and documentation guidance
- Estimate reviews and coverage clarity
- Direct access to claims experts
