Claims

Something happen? Let's get you moving again.

File a claim from your phone. Our claims engine pre-reads photos + police reports + repair shop estimates, then a human adjuster signs off. 78% of routine claims see same-day pre-approval.

2.4 hr

Avg time to first adjuster contact

industry: 9 hr

78%

Routine claims pre-approved same day

AI-assist, human signed

$1.2B

Paid in claims since 2019

every payout reviewed

How to file

1
Open the app
Or tap "File a claim" from your account.
2
Tell us what happened
Date, time, what was damaged. Add photos if you have them.
3
Upload supporting docs
Police report, shop estimate, vet invoice — whatever applies.
4
We pre-read everything
Our claims engine classifies damage, parses police codes, and matches against your coverage.
5
Adjuster reviews + signs off
Most routine claims approved same-day. Complex ones get a 24-hour ETA.

Start a claim

24/7 emergency support

For total losses, fires, theft, accidents with injuries, or anything that can't wait — call our live line. Average wait under 90 seconds.

1-800-555-0199

What slows a claim?

• Missing photos at the scene
• Repair shops outside the network (we'll match the estimate after)
• Multi-party liability disputes
• Police reports that take 2-3 weeks to release

We tell you the moment any of these flags hit your claim, so you're never waiting in the dark.