Thanks for letting us know!
Before You File. Read this...
Filing a claim feels like the obvious first step.
But once a claim is opened, it starts a formal process that can affect timelines, documentation requirements, future premiums, and even how your loss is categorized.
If you haven't filed yet, you still have options.
This is the moment to slow down and make a smart first move.
What To Do First
Before filing, make sure you:
• Reviewing what your policy actually covers
• Documenting all visible and potential damage
• Understanding your deductible
• Knowing how your claim history may be recorded
• Preparing how you'll describe the loss
Small details at the beginning can make a significant difference later.
Why It Matters
Once you report a loss...
• A claim number is created
• Statements may be recorded
• Damage is categorized
• Deadlines begin
• The insurer's documentation process starts
A few thoughtful steps now can protect you later.
How Tugboat Helps
You stay in control.
We help you move forward informed.
Many people unknowingly limit their options because they filed too quickly, described damage incompletely, or didn't understand their coverage. You don't get a reset button later.
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
$99, Onboarding fee for existing claim
+ $99/year, Tugboat membership
Renews automatically. Cancel anytime.
Includes:
- Claim email help
- Photo & documentation guidance
- Coverage & payout clarity
- Expert help when things get confusing
