Tugboat

Insurance claims advocacy platform empowering homeowners to navigate property claims effectively.

Claims Technology Startup Seed

Overview

Tugboat is a membership-based claims advocacy platform for property insurance claims. Created by cousins Aaron Mooney and Cameron Mooney—both experienced insurance adjusters with decades of combined claims handling expertise—Tugboat democratizes professional claim support for homeowners. Members pay USD 99 annually for direct access to licensed claims professionals, plain-language policy guidance, and strategic advice on navigating claim denials and negotiating with insurers.

The platform combines human expertise with practical tools including claim support assistance, home inventory documentation, and expert consultation on coverage questions. Tugboat operates without contingency fees, ensuring the company's interests align directly with member success. Homeowners using Tugboat successfully overturn insurance claim denials at a rate exceeding 50%, demonstrating measurable value. The membership model reaches an underserved market: homeowners typically cannot afford dedicated claims advocates, yet professional representation materially improves claim outcomes.

Tugboat raised approximately USD 2.77 million as part of a USD 4 million seed offering in 2025–2026, validating demand for professional claims advocacy at scale. The company positions itself as a data asset and regulatory leverage point as it accumulates real-world insurance denial patterns across its membership base.

Products & Services

Claim Support

Direct assistance with insurance claims, including help writing support letters, comparing contractor repair estimates, and negotiating with insurers. Members receive strategic guidance from licensed claims professionals on documentation and claim presentation.

Key Features

Direct consultation with licensed claims professionals
Claim strategy guidance and documentation support
Insurer negotiation assistance
Written support letter preparation

Target Users: Property insurance claimants

Home Protection Tools

Property risk management and pre-loss documentation features enabling homeowners to inventory possessions before disaster strikes. Faster, more accurate claims result from comprehensive home documentation.

Key Features

Home and possession inventory tools
Pre-loss documentation system
Disaster recovery support resources

Target Users: Homeowners seeking to reduce claim friction

Disaster Recovery Support

Free claim support for homeowners affected by major disaster zones. The company scales services during crisis situations to provide immediate expert guidance to vulnerable populations navigating emergency insurance processes.

Target Users: Disaster-affected homeowners