Get Your Stalled Insurance Claim Moving Again
When something in the process has stalled — the adjuster, the estimate, the scope — there are specific moves that break an impasse.
Why Claims Get Stuck
Most impasses come down to one of three things: a scope dispute between the contractor and the carrier, a documentation gap the carrier is waiting on, or an adjuster who has stopped engaging. Each has a different path forward.
Scope and Estimate Disputes
When the contractor's numbers and the carrier's numbers don't match, repairs can stall for months. Understanding exactly where the gap is — line item by line item — is the first step to resolving it.
Adjuster Delays and Communication Gaps
When an adjuster stops responding or keeps requesting more information without resolution, a written record of what has been asked and answered becomes your most useful tool.
What Tugboat Provides
The same support that helps any claim — applied to getting yours off the mat.
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.
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
