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I filed a claim almost a month ago after my motorcycle gear was stolen, and it was under review for three weeks. While it eventually came through, it took about a month in total, and I felt like their communication was really poor. I was frustrated by the lack of updates and felt ignored during the process.
I had Lemonade when my apartment flooded. I filed a claim, sent pictures of before, during, and after, and they paid out a few thousand relatively quickly. My experience was pretty positive for this type of claim.
I had a terrible experience with Lemonade. After my apartment had a fire, my adjuster was slow to respond and hard to reach. They sent a vendor who didn’t know what to take, and it took weeks before they even sent someone for my furniture. I ended up with nothing for loss of use because they said I hadn’t met my $2500 deductible, even though the initial vendor’s estimate was much higher. Their communication was awful, and I’m switching to State Farm.
My apartment building flooded, and the whole place was condemned. Luckily, I had Lemonade, and they were awesome. They assigned a single agent to everyone affected, so I didn’t have to keep explaining things. He just asked for receipts and paid out the full policy. This experience showed me they could handle a major event efficiently.
I’ve been using Lemonade for almost two years, paying about $13 monthly. I recently got mugged and filed a claim for my stolen phone and laptop. I submitted a police report and a quick video explaining what happened, and they paid out the full amount minus my $500 deductible super fast. I’d give their claims process a 10/10.
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