20 min read

Handling Claims

Submit and manage insurance claims through the API.

Overview

The Claims API allows you to submit claims on behalf of your customers, upload supporting documents, and track claim status through resolution.

Submitting a Claim

Create a claim against an active policy:

const claim = await coverkit.claims.create({
  policyId: 'policy_xyz789',
  type: 'damage',
  description: 'Package arrived with visible damage to contents',
  amount: 7500,  // $75.00 claimed amount in cents
  incidentDate: '2024-12-19',
  contact: {
    name: 'John Doe',
    email: 'john@example.com',
    phone: '+1-555-123-4567',
  },
});

Claim Types

loss

Item was lost in transit and never delivered

damage

Item arrived but was damaged

theft

Item was stolen (porch piracy, etc.)

Uploading Documents

Supporting documents help expedite claim processing:

// Upload supporting documents
await coverkit.claims.uploadDocument('claim_abc123', {
  type: 'photo',
  file: photoBuffer,
  filename: 'damaged-item.jpg',
  description: 'Photo of damaged packaging',
});

// Supported document types:
// - 'photo' - Photos of damage/item
// - 'receipt' - Proof of purchase
// - 'tracking' - Shipping tracking info
// - 'police_report' - For theft claims
// - 'other' - Other supporting docs

Claim Status Flow

submitted

Claim received and queued for review

under_review

Claim is being reviewed by our team

approved

Claim approved, payout processing

paid

Payout completed

Claim Resolution Times

Our automated processing system resolves most claims quickly:

90%

Auto-approved within 24 hours

48 hrs

Average resolution time

3 days

Payout after approval

Next Steps

Webhook Events

Get notified of claim status changes

API Reference

Full Claims API documentation