Lemonade took $5,941 based on a $347k valuation error they confirmed — and still won’t refund it.

Lemonade Insurance / Verisk overvalued my home by $347,000. They confirmed the errors in writing, debited $5,941 from my bank account anyway, then refused to refund. Texas homeowners — check your Verisk report.

My home: 2012 production build, TX Williamson County. ~2,200 sq ft. Built by Continental Homes of Texas. Standard subdivision home. Nothing custom about it.

Here is what Verisk's auto-generated report claimed about my house:

Home Quality Grade: Custom. Reality: production build.

Verisk estimated replacement cost: $847,208. Williamson County tax appraisal for improvements only (no land): $372,260. Verisk valued my house at more than double the official county appraisal.

Timeline:

• November 28, 2025 — I contacted Lemonade. They acknowledged Verisk data can be off and asked for documentation or photos.
• April 26, 2026 — I submitted a detailed written correction list with photos documenting all 7 errors. May 2026 — Lemonade confirmed all corrections in writing.
• New replacement cost: $500,384. May 2026 — Lemonade debited $5,941 from my bank account for renewal, calculated on the original uncorrected $847,208 estimate.
• May 11, 2026 — I formally requested a refund citing Texas Insurance Code 559.055. May 11, 2026 — Lemonade refused in writing. Their exact words: "We did not know of any corrections needing to be made until November. We can only make changes proactively and not retroactively."
• May 11, 2026 — As of today, despite confirming the corrected replacement cost of $500,384, Lemonade has still not told me what my correct premium should be. They are citing a "weather pause" on policy changes in my area. So they have my $5,941, they know the valuation was wrong, and they cannot tell me what I actually owe.

The problem with their reasoning: Verisk is Lemonade's own data partner. Every single error was in their system from day one. I did not cause any of them. Texas Insurance Code 559.055 requires insurers to credit overpaid premiums back up to 12 months after a re-rating. The law contains no exception for "we didn't know." And a weather pause applies to coverage changes, not to refunding money that was already collected based on a confirmed error.

For any Texas homeowner reading this: pull your Verisk reconstruction cost estimate from your insurer and check every single line item. Room by room. Grade, materials, fixtures. These reports are auto-generated and the errors can be enormous.

Has anyone successfully gotten a retroactive premium refund from Lemonade or another carrier after a Verisk correction? Did TDI actually move the needle?