Lemonade Insurance: who you’re dealing with.

Lemonade Insurance Company (NAIC #16023) is a New York-domiciled property and casualty insurer owned by Lemonade, Inc., a public company traded on the NYSE as LMND, headquartered at 5 Crosby Street in New York. In 24 states Lemonade-branded homeowners policies are underwritten by member companies of Homesite Group, Inc.; Florida is not among those states, so a Florida Lemonade policy is underwritten and paid by Lemonade Insurance Company. Read the entity name on your declarations page before you file.

Claims are filed through the Lemonade app or lemonade.com, and the published customer number is 844-733-8666; confirm it on their site before relying on it. If a claim is closed without payment, request the full claim file and the specific policy provision relied on, in writing. Florida offers free Department of Financial Services mediation for residential property claims, and most policies include an appraisal clause for amount-of-loss disputes. In Florida you generally have 1 year from the date of loss to give notice and 18 months for supplemental claims (Fla. Stat. 627.70132); confirm your dates with counsel.