Free Disaster Insurance Claim Help
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.
“Tugboat has been instrumental in helping me navigate the claim process - without their expertise and quick handling of my issues I would be completely stuck. It's been so comforting to have their support and guidance throughout this mess. I can't thank them enough and highly recommend them if you have to submit any insurance claim. Thank you Tugboat for everything!!”
Natalie
“I faced a complex insurance claim that dragged on for several months, and having Tugboat by my side made a huge difference. Their guidance gave me the confidence to move forward, and Rachel was absolutely wonderful—always warm, thoughtful, and ready with helpful advice. She even took the time to create reply templates, which made the communication smoother and less stressful. What I loved most was knowing I wasn't alone in the process. It's incredibly helpful to work with someone like Rachel, who has experience as an adjuster—she understands both sides of the process and can offer realistic, actionable advice that truly makes a difference. I highly recommend them to anyone navigating the stressful world of insurance claims!”
Cecilia Robles
“We have been struggling with our homeowners insurance since the Eaton Fire. We weren't yet sure about hiring a Public Adjustor but knew we needed help navigating the language in our policy and understanding how best to advocate for our needs. Tugboat has been extremely helpful for us - the responses are thorough, fast, and supportive. It feels like we have someone very knowledgeable in our corner and I no longer feel like I'm banging my head against a wall with insurance. I'm so grateful that we found this company and have found the experience to be very user-friendly and pleasant. Special thank you to Rachel who has been wonderful in helping prepare our documentation with our insurance.”
Stephanie
“The fantastic team at Tugboat reviewed my insurance coverages and gave me insight into insurance claims processes for my house fire.”
Saumya
“If it weren't for the Tugboat crew, I would have accepted the pittance offered by the insurance company and thrown in the towel long ago. When it comes to insurance, I'm like a fish out of water. But with the help of the Tugboat crew, I now have a chance—a good chance—to prevail against the insurance company. The tremendous preparation and documentation by the Tugboat crew, especially in the face of a potential lawsuit, has made all the difference. The knowledge and support provided by the Tugboat crew has way beyond anything I have ever received from even my insurance agent. You will never regret signing up with Tugboat!!!”
Joe Karl
“We recovered our entire home because of Tugboat's help! To anyone considering using Tugboat – you absolutely need to listen to these guys because they turned out to be 100% accurate for us.”
Clay
“Tugboat stepped in at a critical time. From day one, the team helped us make sense of the chaos—breaking down technical jargon and providing clear, actionable guidance. Tugboat has become a steady point of clarity and confidence for us in an otherwise turbulent situation. What we appreciate most about Tugboat is their consistency and responsiveness. It feels less like a tool and more like a trusted teammate. Tugboat gave us back control when things felt out of our hands—and for that, we continue to feel incredibly grateful.”
Amelia
“I detected a small leak in my kitchen and called my insurance company to resolve it. Unfortunately the insurance company denied my claim. Tugboat was recommended to me and I'm so glad I found them! They've guided me through the process of working with the insurance company with compassion and skill. They have been a huge ally. I can't imagine going through this without their guidance. I've been recommending Tugboat to all my friends and family.”
Jason
“I lost my house in the Palisades Fire and am underinsured. Aaron was very kind to take a call and go through the next steps at the beginning, when the whole situation was overwhelming. We were then guided by Rachel who was amazing. I would confidently recommend working with Aaron and his team at Tugboat. They have in-depth working knowledge of how insurance companies operate in claim situations, they are concise and I feel like I was very fairly treated and spoken for. Hopefully you will never need their services, but if you have the misfortune of needing help with Insurance claims, then Tugboat are competent experts that I would highly recommend!”
Curzon Peier
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.
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 that gets things moving again: polite, professional, and pointed. The claim process can be hard to read. We help you cut through it.
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.