Get Help With Your Home Insurance Claim
We help you write strong letters, compare estimates, and push back when things aren't right. You stay in control. We back you up.
When Your Insurer's Interests Don't Match Yours
Your insurer has an entire team handling your claim. You're expected to document everything, prove your loss, and respond to requests on their timeline.
Without the right support, valid claims get delayed, underpaid, or denied.
What You're Up Against
Most people aren't underprepared because they've done something wrong. They just haven't been told what's actually required to get paid.
How Tugboat Helps
We review your claim, help you respond to your adjuster, compare estimates, and make sure nothing gets missed. You keep control. We give you the backup.
What Claim Support Looks Like
Here's what Tugboat members actually get when they're working through a claim.
Letters and Emails That Move Your Claim Forward
We help you write clear, professional messages that present your case and push back when your insurer gets something wrong. The right letter at the right time can break a stall, challenge a lowball estimate, or get a denial reconsidered.
Photo and Documentation Help
Photos make or break a claim, but most people don't know what adjusters are actually looking for. We help you identify missing shots, capture the right angles, and tie your damage to covered causes so nothing gets overlooked.
Estimate Reviews and Comparisons
Contractor bids and insurance estimates rarely match. We help you compare line items, identify what's missing from the insurer's scope, and advocate for a supplement when the numbers don't add up.
Coverage and Payout Clarity
Your policy has limits, sub-limits, deductibles, and conditions that all affect each other. We help you track what's been paid, what still applies, and where you may be leaving money on the table.
Talk to a Claims Expert
When you're not sure what to do next, how to respond to your adjuster, or whether something is normal, you get direct access to people who've handled hundreds of claims and know what works.
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
