Lemonade
A publicly traded, technology-first insurance company offering homeowners and renters insurance. Lemonade uses AI for underwriting and claims processing and donates unclaimed premiums to charities chosen by policyholders.
Headquarters
New York, New York
Claims phone
Check carrier website for current claims number
Website
www.lemonade.comXactimate
Non-standard estimating process
What Lemonade is known for
- AI-powered underwriting and claims
- Giveback program donating unclaimed premiums
- App-based insurance experience
Filing a claim with Lemonade
Practical tips for restoration professionals working Lemonade claims.
Lemonade processes many claims through their AI system. Expect a different experience than traditional carriers.
Their claims process is app-based. Documentation should be submitted digitally through the Lemonade app.
Lemonade may not use traditional Xactimate-based adjusting for all claims. Understand their process before quoting.
For larger property claims, Lemonade may assign a traditional adjuster who uses Xactimate.
Working with Lemonade in Xactimate
Lemonade may not use Xactimate for all property claims. Their estimating process can differ from traditional carriers. If you receive a PDF estimate, CapOut can still convert it to an ESX file so you can work with the data in Xactimate.
Common deductible types
Frequently asked questions
Lemonade uses AI to process many claims quickly through their app. For simpler claims, payment can happen in minutes. Larger or more complex claims may be handled by a human adjuster.
Lemonade's AI handles many claims internally. For larger property damage claims, they may assign adjusters who use Xactimate, but their primary process is different from traditional carriers.
Lemonade offers homeowners insurance in most U.S. states. Check lemonade.com for current availability.
Convert your Lemonade PDF to ESX
Upload a PDF estimate from Lemonade. CapOut processes it and sends it directly to your Xactimate account.
Get started free
No credit card required