Don’t Face Your
Insurance Claim Alone
Get the guidance, strategy, and backup it takes to make your policy pay what it promised.
Insurance Isn’t Built to Help You Recover
Your insurer has adjusters, automations, and internal policies all working to limit what they pay. You’re expected to document everything, prove your loss, and navigate red tape—on your worst day.
Without the right support, valid claims get delayed, reduced, or quietly denied.
Personalized Assistance
Most people aren’t underprepared because they’ve done something wrong—they just haven’t been told what’s really required.
Expert Insights
Claims are complex by design. If you’re feeling confused, that’s not a failure—it’s the system working as expected.
Expert Claim Support
Clear guidance, effective letters, and answers when you need them.
Email Drafts for Hard Conversations
Knowing what to say (and how to say it) shouldn’t stand between you and the recovery you’re owed.
We help you write clear, professional messages that present your case, defend your rights, and push back when the insurance company gets it wrong.
Supporting Evidence for Complicated Losses
Photos make or break a claim, but most people don’t know what adjusters are actually looking for.
Get help identifying missing shots, capturing the right angles, and tying your damage to covered causes, so nothing critical gets overlooked or dismissed.
Estimate Reviews When Things Don’t Add Up
Contractor bids and insurance scopes rarely match, and when they don’t, the gap can cost you.
Get help comparing line items, bridging the gaps, and staying in control of repair timelines and documentation, so coverage isn’t delayed or denied.
Coverage Help When Every Dollar Counts
Home insurance coverage is a web of limits, conditions, and exceptions that all affect each other.
A misstep in one area can leave you short in another, or lock you out of benefits you should’ve had. We help you track what’s being used, what still applies, and how to get the most out of your policy.
Expert Guidance for Unclear Moments
Claims don’t come with instructions, but quick answers make all the difference.
Whether you’re unsure what to do next, how to respond, or if something’s normal, you’ll get clear, real-time guidance from people who’ve seen it all.
Real Homeowners. Real Results.
Pricing
Claim Support
$198
Full online support for as long as your claim is open
Includes:
- Claim email help
- Photo & documentation guidance
- Coverage & payout clarity
- Expert help when things get confusing
FAQ
This is one of the most common reasons people come to us.
When you’re not getting straight answers, deadlines keep slipping, or you’re unsure what to say next, Tugboat helps you break the stall. We give you clear next steps, review your communication, and provide the kind of pressure—polite, professional, and pointed—that gets things moving again.
The claim process can be opaque by design. We help you cut through the noise.
Tugboat helps you navigate every part of the claim process—from filing to final payment.
We don’t replace your adjuster or your contractor—we help you keep both honest.
That includes:
- Writing professional letters and emails to move your claim forward
- Reviewing and comparing estimates from your contractor or the insurance company
- Identifying missing damage, underpaid repairs, or weak justifications
- Equipping you with the evidence, language, and leverage to get a fair payout
Most people go through claims unprepared. Tugboat makes sure you’re not one of them.
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.
Yes! If you didn’t receive everything needed to fully repair the damage, there's a strong chance we can assist.
Many policies permit reopening a claim or submitting a supplement within a specific timeframe, often one to two years. If damage was overlooked, underpaid, or dismissed prematurely, we can help you build a case to have it reassessed.
Just sign up and let us evaluate your situation. If there's an opportunity to revisit and secure additional compensation, we'll guide you through the process.
Absolutely. Insurance companies deny claims they shouldn’t all the time, it’s one of the most common ways they limit what they pay out.
Tugboat members overturn denied claims more than half the time, a level of success most policyholders never reach on their own.
We help you break down the denial, gather the right evidence, and push back with clear, professional communication that puts pressure where it belongs: back on the carrier.
With Tugboat, a denial isn’t the end of the story.