We have a broker. Is this the same thing?

No, and it doesn't replace them. Your broker places the policy. Tugboat is about what happens after a loss: knowing whether to file, which policy it belongs on, and getting paid what it's worth.

We already use a public adjuster.

Tugboat works alongside public adjusters. It sees every loss in the portfolio, including the smaller ones that don't make sense for a PA, and clients get 20% off Waypoint's fees on losses over $250K.

What counts as a loss?

Anything that damages a unit or the building: water, fire, mold, storms, move-out damage. If you're not sure, that's a good one to send.

What if we don't have anything open right now?

Bring two you've recently closed. One that settled for less than you expected is a good test of what Tugboat can do.

What does the free review commit us to?

Nothing. It's a free look, with no contract.

Insurance promises to protect your portfolio. Tugboat makes sure it does.

Protect your entire portfolio, starting at $1 per door, per month

Review two claims, on us

As featured in

0%Higher recovery on building claims
0%Lower tenant appeasement costs
$0KAverage added recovery per year, per 1,000 units

Why Tugboat?

Make your insurance work for you.

When a loss happens

Enter negotiations with confidence.

Understand every policy and know what you're owed, and you can demand what you've been paying for.

Learn more →

Know your move

Understand who should pay.

Share your insurance company's response and your contractor's estimate. Just because you're covered doesn't mean you should use your coverage.

Learn more →

Get what you're owed

Every dollar and every hour is precious.

Every individual decision adds up. Run the numbers to see your results with Tugboat behind you.

Learn more →

Loss recovery at scale

How it works

A policy analyzer report grading a building's coverage — Example

Policy Preparation

Every policy across the portfolio is read and graded: limits, deductibles by peril, the exclusions that decide a claim. Find out you're underinsured now, not after the fire.

ChatHarbor Flats portfolio

Can I go after the tenant?

Unit 3A's renters policy is on file with $100,000 in liability. Your $5,000 deductible is recoverable through it.

Ready to send

$5,000 claim to 3A's renters insurer, drafted from the lease and the repair invoice

Approve

Example

Tenant Policies

Every tenant's renters policy is on file. When a tenant causes damage, or costs run past the security deposit, the recovery comes from their policy instead of your pocket.

Testimonials

Damage is inevitable. Recovery is not.

Sunset recovered $1M+ with Tugboat

Their property manager estimated just $300K. Tugboat helped recover over $1M, without an attorney.

$700kLost rental income
$130kRemediation recovered
$200kRepairs recovered

Connect

Let us prove it.

Send us two open or recently closed claims and see what Tugboat can do.

Rather email? Contact us at hello@tugboat.claims

FAQ

Frequently Asked Questions

No, and it doesn't replace them. Your broker places the policy. Tugboat is about what happens after a loss: knowing whether to file, which policy it belongs on, and getting paid what it's worth.
Tugboat works alongside public adjusters. It sees every loss in the portfolio, including the smaller ones that don't make sense for a PA, and clients get 20% off Waypoint's fees on losses over $250K.
Anything that damages a unit or the building: water, fire, mold, storms, move-out damage. If you're not sure, that's a good one to send.
Bring two you've recently closed. One that settled for less than you expected is a good test of what Tugboat can do.
Nothing. It's a free look, with no contract.