Aspen Acres Fire Insurance Claim Help
Dealing with fire damage from the Aspen Acres fire? Tugboat provides free claim support to help you recover what you're owed.
Debris Removal Decides More Than You'd Think
Fire debris gets classified in the first few weeks, often before you realize it's happening.
Ash, burned framing, and contaminated soil tied to your house are structural debris, not landscaping. Insurers sometimes file that cleanup under the same low-cap provision that covers a dead tree, and it can cost you thousands before your rebuild even starts.
Two Cleanup Paths
County-coordinated removal, through the Army Corps or a right-of-entry program, and private contractor removal are tracked completely differently. Knowing which one applies to your property determines what to document starting today.
Fire Debris Isn't Landscaping
Structural debris belongs under Debris Removal in your dwelling coverage, not the Trees, Shrubs and Plants provision, which is capped much lower.
ALE Adds Up Fast
Hotel stays, meals out, and moving costs are typically recoverable as the increase over your normal living costs, but only if you're saving receipts from day one.
Timing Matters
These classifications and paths get decided early, often before homeowners realize a decision is being made at all.
What to Handle Before Cleanup Starts
A few specific moves now protect what your claim can recover later.
Document Before Anything Gets Touched
Photos and video of the damage and property before debris removal starts, so the record exists before anything is disturbed.
Know Your Debris Removal Path
We help you understand whether your property falls under county-coordinated cleanup or private contractor removal, and what each path requires you to track.
Track Your ALE From Day One
We help you organize hotel stays, meals, and moving costs so nothing recoverable gets lost to a late start.
Get the Classification Right
We help you describe fire debris as structural cleanup, not landscaping, from your first conversation with the adjuster.
Check Coverage Against Rebuild Costs
We help you compare your dwelling limit to actual rebuild costs before you're relying on it.
Real Homeowners. Real Results.
Pricing
Membership
+ Disaster Recovery
For homeowners recovering from a disaster-related loss.
$199 FREE
60 days of claim support — no sign-up fee.
Then $99/year. Cancel anytime. No credit card required to start.
Includes:
- Claim email help
- Photo & documentation guidance
- Coverage & payout clarity
- Expert help when things get confusing
Available to homeowners whose loss falls within an active federally declared disaster zone, claimed within 6 months of the date of loss.
