Claims
A real adjuster, on your file, fast.
Our U.S. claims team is available 24/7. Start your claim online or call us — your policy number is helpful but not required.
Notify us
Call our 24/7 line or submit the form below. We acknowledge every claim within one hour.
Get an adjuster
A U.S.-based adjuster is assigned to your file in under two hours, with direct contact details.
We resolve it
Most personal-lines claims are paid within 9 days. Specialty claims have a named advocate end-to-end.
Start a claim online
Tell us what happened.
Not a claim? Contact an advisor instead →
What to have ready
A faster claim starts with a few details.
You don't need any of this to start — but having it on hand speeds the first call considerably.
- ●Your Newlights policy number (look at your declarations page)
- ●Date, time, and location of the incident
- ●Photos or video of any damage
- ●Police, fire, or incident report number (if applicable)
- ●Names and contact info of any other parties involved
- ●An estimate of damages or losses, if you have one
Typical timelines
From first call to settlement.
| Claim type | Median time to close |
|---|---|
| Auto — glass / minor | 2 days |
| Auto — collision | 11 days |
| Home — water / appliance | 9 days |
| Home — catastrophe (CAT) | 32 days |
| Renters — theft / loss | 7 days |
| Commercial — property | 14 days |
| Cyber — incident response | Same day onset |
Your rights as a claimant
A clear bill of rights — no fine print.
Acknowledged in 1 hour
Every claim is acknowledged in writing within 60 minutes of submission, 24 hours a day.
A named adjuster
You'll know the name, direct phone, and email of your adjuster — not a queue number.
Written status every 5 days
Until your claim is resolved, you receive a written status update at least every five business days.
Independent appraisal
If we disagree on the loss amount, you may invoke an independent appraisal at any time.
Plain-language denials
Any denial cites the specific policy provision in plain English, with appeal instructions.
State-DOI escalation
Every claim file includes your state insurance department's contact info if you wish to escalate.