Disaster Insurance Claim Help — It's Free to Start
Hurricane, wildfire, flood, or storm damage? Tugboat provides free claim support to help you recover what you're owed.
Getting Paid After a Disaster Takes More Than Filing
After a disaster, your insurer moves fast. They'll assign an adjuster, open a file, and start building their version of your loss. The question is whether that version matches yours.
Most disaster claims involve damage that's hard to document, hard to price, and easy to underestimate. Without someone in your corner who understands how these claims work, it's common to end up with a settlement that doesn't cover the actual cost of recovery.
What Disaster Claim Support Includes
Everything in our standard claim support: help writing letters, reviewing estimates, documenting damage, and understanding your coverage. All at no cost for qualifying disaster events.
Why It's Free to Start
We started Tugboat to help homeowners. The early days of a disaster claim set the trajectory for everything that follows. You've got enough on your plate. We remove the barrier so you can get expert help when it matters most.
Expert Claim Support
Clear guidance, effective letters, and answers when you need them.
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
Membership
+ Disaster Recovery
For homeowners recovering from a disaster-related loss.
$199 FREE
2 months of claim support. Then $99 per year
No credit card required
Includes:
- Claim email help
- Photo & documentation guidance
- Coverage & payout clarity
- Expert help when things get confusing
