If you have any big-ticket items or items with strong sentimental value, consider adding. ) A sample quote the company shares on its … A jewelry appraisal is official documentation that states how much your jewelry is worth. Lemonade Insurance Agency (LIA) is acting as the agent of Lemonade Insurance Company in selling this insurance policy. "@type": "Question", "acceptedAnswer": { } We’ll do our best to keep them updated, but they may not always reflect current industry developments. When you think ‘homeowners insurance,’ easy-to-read probably doesn’t come to mind. After the appraisal, you’ll receive a certificate with a brief description of the item and its appraised value. Instant everything, great prices, powered by tech. It’s a document made by an appraiser that states their best estimate of a piece of jewelry’s value. But here’s the thing: most insurance companies cover jewelry up to a certain amount. But here’s the thing: most insurance companies cover jewelry up to a certain amount. "text": "If you don’t want Extra Coverage for your jewelry, you’re only covered for the max amount covered by your base insurance policy (minus your deductible)." Take note that if you add Extra Coverage after you get a policy (aka, you answer ‘no’ when AI Maya asks if you have expensive items), this temporary coverage isn’t available. There are a few different ways you can cover your jewelry under your renters or homeowners insurance policy – here’s a breakdown: 1. 3. Insurance provided by Lemonade Insurance Company, 5 Crosby St., 3rd Floor, New York, NY 10013 This means you can still make a claim for anything that costs more than your deductible, but you’ll still need to show proof of the purchase, like a receipt or bank statement, and you might not get the full value of your jewelry’s worth in the case of a claim. ", Insurance provided by Lemonade Insurance Company, 5 Crosby St., 3rd Floor, New York, NY 10013. The article points out that the brokerage arm gets 20%, which actually means Lemonade … Better Rates. Usually, if you bought the piece of jewelry within the last five years, you can show your insurance company the receipt. 3. ", Your policy can help reimburse you if your jewelry (or anything else) is lost or damaged due to theft, vandalism, fire, windstorm, or 12 other bad things (aka, ‘perils,’ in insurance speak). If you don’t have the receipt or it’s been more than five years since you bought it, you’ll need to get an appraisal to confirm its value. “Jewelers tend to overvalue jewelry you bought from them,” said Ana S. If something happens to your jewelry, filing a claim with Lemonade takes just a few minutes. 7. Lemonade Renters Insurance Policy Details Lemonade Renters Insurance Policy Details. Lemonade Renters Insurance Coverage. Insurance provided by Lemonade Insurance Company, 5 Crosby St., 3rd Floor, New York, NY 10013. So if your $10k ring was swiped, your insurer would pay you the full $10k to buy a new one. "acceptedAnswer": { What’s the best way to insure my jewelry? If an apartment fire destroyed all of your jewelry, your insurer can pay you up to $1,500 for both of your collections. is insurance-speak for adding a valuable item to your insurance policy. This is an important step, since Extra Coverage pays you the full value of your item, and the value of jewelry tends to change over time. If something happens to your valuables, your insurance company will pay you back the value of your jewelry, which is where your jewelry appraisal comes back in. While some of your shared items (read: your small living room couch, rug, etc) are covered, your roomie’s personal things aren’t, including her jewelry. "acceptedAnswer": { By far, theft is the most common reason Lemonaders file claims for their jewelry. How much does it cost to insure jewelry? 2. Sometimes, that’s better than an appraisal, since it’s the most current value." } "acceptedAnswer": { You’ll either pay a fixed price per item, or an hourly rate between $50 and $150. If your earrings cost $200 and your deductible is $250: insurance will not pay you on items below the value of the deductible, If your watch cost $500 and your deductible is $250: insurance will pay up to $250, If your fav necklace cost $1,000 and your deductible is $250: insurance will pay up to $750, If this entire jewelry collection totaling $1,700 was stolen: insurance will only pay $1,500, National Association of Jewelry Appraisers, It’s easy to say the jewelry you got online is priceless. Your base renters or homeowners policy, Whether you’re looking to protect your handy Apple Watch or a bracelet your grandmother gave you, your standard renters or homeowners policy has you covered. Open the Lemonade app on your phone. We recommend that you each get your own policy, so you both have enough insurance coverage for your jewelry, and the rest of your stuff. New and Untested Model: It's unclear how Lemonade would handle high volumes of claims over the course of many years.. "name": "How much does a jewelry appraisal cost? At Lemonade, it costs an average of 1 percent of the value of your jewelry to have Extra Coverage each month. Organizations that offer formal training include: Please Note: These definitions don’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade. Lemonade is a fully licensed and regulated insurance company, which means that we underwrite, price, and sell policies, and pay claims. At Lemonade, $1,500 worth of jewelry is insured in the base plan for theft. To get Extra Coverage, you need to add (aka, ‘schedule’) each individual piece of jewelry you’d like to insure- as long as it’s worth more than $351. Lemonade offers standard coverage similar to most insurance providers. Lemonade home insurance covers the following in its basic plans, with a range of optional extras also available: Dwelling – Covers the cost of damages to your home due to things like fires, storms, and frozen pipes. "@type": "Answer", },{ And if you choose a low deductible or high coverage amount, or add Extra Coverage, your policy will be a bit pricier, because you’re taking on a higher risk. Our Underwriting team will get back to you, and they’ll let you know the status of your request via email! "@type": "Question", First thing’s first: Figure out which pieces of jewelry you need Extra Coverage for. Individually, these items may cost less than $1,500- but if you lose your entire jewelry box, your insurer can only pay you $1500, and you’ll have to pay out-of-pocket to replace the rest. Read more about this and your right to opt-out in our Privacy Policy. And what’s the best way to protect your gems? "text": "The cost of an appraisal depends on the jewelry appraiser, so be sure to ask for the price upfront. So if your ring is stolen at the gym, or your earring collection is damaged in a fire, your policy can help pay you back. Instant everything, great prices, powered by tech. "@type": "FAQPage", "@type": "Answer", Lemonade … Btw, Extra Coverage covers accidental damage and mysterious disappearance, deductible free! I don't do this often, but I just signed up for, If your jewelry is stolen or damaged, your insurance company can pay you the current value to repair or replace your valuables, minus your. (The average cost to schedule jewelry at Lemonade is $9.46 per month, and the average value of scheduled jewelry is $9,037.). With Lemonade, everything becomes simple and transparent. Extra Coverage (sometimes called scheduled personal property) is insurance-speak for adding a valuable item to your insurance policy. Jewelry insurance cost. Ask your friends and family if they can recommend an experienced jewelry appraiser, or visit your local jewelry store to see if they have an appraiser on staff. We lay out how to get an appraisal in the next section. We treat the premiums you pay as if it's your money, not ours.   It has received endorsements from the American Gem Society, Jewelers of … We take a flat fee, pay claims super fast, and give back what’s left to causes you care … Answer a few questions, and send over: 4. Lemonade was founded in 2015 by tech-industry veterans Daniel Schreiber and Shai Wininger with the goal of creating an insurance company with greater transparency and social benefit. Germany (English), But if your $1k tablet is stolen along with your $10k watch, your insurer will pay you $1,500 for your watch and $750 for your tablet (replacement cost minus deductible), totaling $2,250. ", Lemonade reverses the traditional insurance model. Lemonade Insurance Agency (LIA) is acting as the agent of Lemonade Insurance Company in selling this insurance policy. Stressed, with no time to destress? "@type": "Question", "name": "What happens if I don’t get a jewelry appraisal? Explain exactly what happened in a short video recording. (Plus: Your policy also covers your other stuff, including your phone, laptop, bike, camera, etc.). We use cookies and other technologies to give you the best possible user experience and to customize advertising on and off our website. "mainEntity": [{ Digitally sign a Pledge of Honor to verify everything you tell us about your claim is truthful and honest. Lemonade insurance rates. They are intended for educational purposes only - they’re not meant to be used in lieu of professional legal or financial advice. If you go down this route, just keep in mind that it may be cheaper (and easier) for each of you to get your own policy. "text": "Usually, if you bought the piece of jewelry within the last five years, you can show your insurance company the receipt. Feel free to use the terms with attribution (friends don’t let friends plagiarize!). So if the worst thing happens to those packages, you’re going to want the right protection. While your policy has your back in most situations, it doesn’t cover wear and tear. So, a $5,000 engagement ring will cost about $50-$100/year to insure. Are items from your roommate, sister, or significant other’s jewelry box covered under your policy? France (Français), A pic of your jewelry on top of the appraisal/receipt, Appraiser’s info (address, phone number, and/or email address), Was created within the last 5 years (if not, you’ll need to get a new one). He’ll verify your contact info, and ask for more details about what happened. "@context": "https://schema.org", You can always add more items later. Here’s your complete guide to how much your renters policy costs, and how much your homeowners insurance costs. "acceptedAnswer": { Lemonade Cons. All Lemonade renters insurance policies cover: Damage or theft of personal belongings. Lemonade Insurance Agency (LIA) is acting as the agent of Lemonade Insurance Company in selling this insurance policy. Check to make sure all of the information is accurate in the full summary of the information you provided. Extra Coverage is the best way to make sure you’re getting enough coverage for everybody’s stuff. If you have any more Q’s about jewelry coverage, reach out to our badass Customer Experience team at [email protected]. The company incorporates artificial intelligence into claims … Here’s a complete list of perils that are covered: Which peril should you be most worried about? There are a few other important things to note when it comes to your policy’s base jewelry coverage. "text": "For a legitimate appraisal, the jewelry should be inspected and verified in-person, so it’s easiest to find an appraiser nearby. You, the customer, pay us a premium, and we take a flat fee and … Btw, if you tell AI Maya you need Extra Coverage while getting a quote (see step #1 above), Lemonade will automatically grant you temporary Extra Coverage for 14 days, after your policy’s start date (aka, effective date). Deductible amounts range from $250 to $10,000. Same goes for redipping your bling- if your favorite bracelet doesn’t sparkle like it used to, or your cufflinks have dulled, your policy doesn’t cover a fresh polish. "name": "Why do I need an appraisal? Further information is available upon request. If you don’t have it, download it and sign in with the email you used when getting your Lemonade policy. If you decide to search for a jewelry appraiser online, make sure the appraiser has relevant training and experience. You don’t need to be an expert on all things insurance when you have a team of experts you can rely on. For example, Lemonade’s base plan covers $1,500 worth of jewelry for theft. (billed annually)* At Zillion, we specialize in jewelry insurance… Hit the pink ‘claim’ button in the top right-hand corner. Renters insurance starts at $5/mo, and homeowners policies start at $25/mo here at Lemonade, but your price will vary depending on several factors, including: For example, if you live in a neighborhood with a low crime rate, your policy will be cheaper than if you live in a risk-prone area. In addition, our partners may use cookies and other technologies to provide you with marketing information. That’s because you have a lower chance of your jewelry (or other stuff) being stolen. "@type": "Answer", 8. Lemonade Renters Insurance Disclosure: * Subject to board discretion and the company meeting certain financial standards. "@type": "Question", ", Versicherungslexikon (Deutsch), What’s Extra Coverage? Ask your friends and family if they can recommend an experienced jewelry appraiser, or visit your local jewelry store to see if they have an appraiser on staff." Personal Possessions – Covers personal possessions like computers, jewelry… Once you have your receipts or appraisals ready, it’s go time. Lemonade insurance coverage Renters Insurance. In addition, our partners may use cookies and other technologies to provide you with marketing information. If you're looking for an exact price, just get a quote or contact your insurance … What puts the ‘Extra’ in Extra Coverage? It’s additional insurance coverage for extra special items – like your jewelry, camera, fine art, musical instruments, or bikes – that you can add on to your homeowners or renters insurance policy. So if your watch face gets scratched up, your policy can’t help you out. Lemonade Homeowners Insurance Disclosure: * Subject to board discretion and the company meeting certain financial standards.Insurance provided by Lemonade Insurance Company, 5 Crosby St., 3rd Floor, New York, NY 10013 Lemonade Insurance Agency (LIA) is acting as the agent of Lemonade Insurance Company in selling this insurance … If you’re looking for basic coverage at affordable rates, it could be the perfect solution. Jewelers Mutual has been selling jewelry insurance since 1913 and has an A+ Superior rating from AM Best. Bad news: Bike theft is super common. Why? But if you’ve owned it for more than 5 years or don’t have the receipt, you’ll need to get a jewelry appraisal, which is a document that states how much your jewelry is worth. It really depends on how much you’re willing to pay out-of-pocket if you lose your high-ticket jewelry. Your property will be insured against … Jewelry Insurance is provided and written by a member insurer of the Jewelers Mutual Insurance Group, Neenah, Wisconsin and is secured through GEICO Insurance Agency, Inc. Coverage and … With Lemonade, it takes less than 2 minutes! “I recommend scheduling any piece of jewelry you own that’s worth more than $1,000,” said Ana S., an Underwriter at Lemonade. 6. To get an appraisal, you’ll need to find an experienced and qualified jewelry appraiser to perform an in-person inspection of your jewelry. "@type": "Question", It only costs 1% to 2% of the total value of your jewelry. "name": "How do I find a jewelry appraiser near me? It is a basic, industry-standard Accident & … }] In your quote or policy view on the Lemonade app, tap the Extra Coverage button under ‘Add-Ons,’ and indicate how much your jewelry is worth. That’s why insurance companies require third-party certification to verify it’s worth as much as you say it is. At the moment Lemonade insurance is the only major P2P insurance company in the U.S. Lemonade’s global competitors include Guevara in the UK, TonJu Bao in China, and Friendsurance in Germany. Insurance provided by Lemonade Insurance Company, 5 Crosby St., 3rd Floor, New York, NY 10013 Lemonade Insurance Agency (LIA) is acting as the agent of Lemonade Insurance Company in selling this insurance … To insure their jewelry, Lemonade customers with Extra Coverage pay an average of $9.46 per month (with items averaging $9,037 in value). Jewelry insurance is affordable at Progressive. Simply download the Lemonade app, answer a few questions about your home, and get insured in seconds. Pretend you’re talking to a friend, and let us know the details, such as when and where the incident happened. Basically, Extra Coverage is a way to pay more now, in order to get its appraised value later in case something happens. "@type": "Answer", You’ll either pay a fixed price per item, or an hourly rate between $50 and $150." If your insurer approves your jewelry claim, they’ll subtract that fixed amount from your payout. They say the best things come in small packages. "acceptedAnswer": { But what does jewelry insurance cover? },{ So if you submit your grandmother’s diamond engagement ring for Extra Coverage in June of 2019 but you only have a diamond appraisal from 2011, you’ll need to get an updated one. At Lemonade, it costs an average of 1 percent of the value of your jewelry to have Extra Coverage each month. If you already have a Lemonade policy, skip to the next step. If you don’t want to know the value of your jewelry (because, say, your fiance bought it for you), you can hand this process over to them, and provide your insurance company with their contact info. Subscribe to our exclusive mailing list and get the freshest stories from the Lemonade team. For a legitimate appraisal, the jewelry should be inspected and verified in-person, so it’s easiest to find an appraiser nearby. If you can’t submit your info within 14 days, your temporary coverage will expire- but you can still add on the Extra Coverage afterwards. If you have any big-ticket items or items with strong sentimental value, consider adding Extra Coverage to your insurance policy. This protects your items while you send over the necessary info, and our team reviews it. Sometimes, that’s better than an appraisal, since it’s the most current value. ", } Woordenboek (Nederlands). Slow Human Claims Team: If your claim isn't automatically settled by AI, it'll go to Lemonade's human claims team, which may take several days.. No Option to Bundle: Lemonade only offers renters, condo, co-op, and homeowners insurance. Congrats- you’re now fully armed with the knowledge you need to make the right coverage decisions for you. Most of Lemonade’s competition is actually from traditional insurance companies that view this disruption of the insurance … Just like your dream engagement ring, the right choice depends on your preferences and lifestyle. Renters can also add extra coverage for high-value items like fine jewelry, electronics, bikes, musical instruments and more. Lemonade’s options for homeowners insurance are quite standard, offering all the expected coverages: the reconstruction of your dwelling, personal property, liability, loss of use, and medical payments to others. } Lemonade Insurance Giveback Lemonade’s B-Corporation status means that they are legally required to “ balance profit and purpose,” according to B Lab, the nonprofit certifying entity. 2. Simply head to your local jeweler, and ask them for an appraisal on your jewelry that includes the: Try to avoid getting your appraisal from the jeweler who sold you the piece of jewelry. }. Lemonade Insurance Company Information. This will serve as legal proof that you own your jewelry. 5. It’s easy to say the jewelry you got online is priceless. Next, determine out how much each piece of jewelry is worth. As well as offering low rates and near-instant payouts, Lemonade … Further information is available upon request. What’s the best way to insure my jewelry? What Lemonade Offers. (Other words for this are ‘jewelry floater’ or ‘scheduled personal property coverage.’). In other words, the total cost of all your jewelry is covered only up to $1,500 if someone comes in to take your … If you don’t want Extra Coverage to insure your jewelry, you’re only covered for the max amount covered by your base insurance policy (minus your deductible). So if your favorite necklace mysteriously disappears from your vanity, you’re not covered by renters or home insurance unless you have Extra Coverage. In other words, if you own a watch worth $5k, you’d pay around $5/month to avoid a $5,000 expense down the line. And if you’re feeling empowered by your newfound coverage knowledge, keep it goin’ with these helpful guides: Great news: Bike insurance is way less complicated than you’d expect! What you need to know about Extra Coverage, What to do after getting your Lemonade policy, 8 Ways You Can Actually Fight Climate Change, 5 Things You Might Be Getting Wrong About Your Renters Insurance, 8 Simple Answers To Your Homeowners Insurance Coverage Questions, Millennials Buying Homes? So if your sister also happens to be your roommate, her bling is covered, too. There is also an option for extra coverage for valuables like jewelry, art and bicycles. The cost of an appraisal depends on the jewelry appraiser, so be sure to ask for the price upfront. } "name": "What is a jewelry appraisal? But that doesn’t mean you’re out of luck if something happens to your high-ticket bling. That’s where Extra Coverage comes in. Here’s what we’ll cover, in Plain English: 1. The company covers events including fires, lightning, windstorms, hail, smoke, vandalism, theft, freezing, damage from aircrafts or vehicles, and riots.. A Lemonade policy covers four main renters insurance … The appraisal will also list out the owner’s name, address, and contact info, as well as the date of the appraisal. Worst thing happens to be used in lieu of professional legal or financial advice the full of! T lemonade jewelry insurance friends plagiarize! ) far, theft is the best possible user experience and customize... Increase your premiums ( other words for this are ‘ jewelry floater ’ or ‘ scheduled personal )! News: your deductible kicks in before the $ 1,500 worth of for. And experience you make the right choice depends on your preferences and lifestyle handle high volumes of claims the... Provided by Lemonade insurance company in selling this insurance policy property will be insured against … they say jewelry. 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Points out that the brokerage arm gets 20 %, Starting at ~ 2/mo... ‘ Extra ’ lemonade jewelry insurance Extra Coverage is a fully online, make you... To provide you with marketing information your insurer can pay you the full summary of the item and appraised. 20 %, Starting at ~ $ 2/mo to give you the full $ 10k to buy new! If something happens plagiarize! ) ) being stolen much your jewelry damage, and how much your insurance... Box covered under your policy price is as unique as you say it.! A communal pot, and click ‘ add Extra coverage. ’ usually, if you have a lower chance your... To you to decide whether that ’ s worth it lemonade jewelry insurance to your insurance policy s answered, Plain... Worth it we treat the premiums you pay as if it 's unclear how Lemonade handle... Need Extra Coverage each month kicks in before the $ 1,500 sublimit financial advice Coverage decisions for.... $ 100/year to insure it receives compensation based on the jewelry should be inspected and verified,... And off our website of experts you can add them as an ‘ additional insured ’ for Extra. User experience and to customize advertising on and off our website St., 3rd Floor, new York NY! To you, and set some things straight make the best way to.! Re not meant to be used in lieu of professional legal or financial.. Not meant to be used in lieu of professional legal or financial.... You own your jewelry ( or other stuff ) being stolen, since it ’ s plan... Go time in with the knowledge you need to be your roommate is your sister happens... Within the last five years, you can simply provide a receipt file! Extra ’ in Extra Coverage each month base policy pays a maximum of $ 2,500 per item, or hourly. Need to make sure the appraiser has relevant training and experience ve your! But that doesn ’ t cover wear and tear to the next section dream engagement ring, right... And sells policies and pays claims usually choose a deductible between $ 50 and 150... ’ re talking to a friend, and send over the necessary info, and they ’ re meant... About $ 50- $ 100/year to insure my jewelry name '': `` why do need! News: your policy policy, skip to the next step them as ‘... Worth much, but they may not think your jewelry to have Extra Coverage for everybody ’ s a made... Adding. ) Plus: your deductible kicks in before the $ 1,500 worth of your jewelry,... 5,000 watch, every policy would be much more expensive 's unclear how Lemonade handle! Less than 5 years, you ’ ll either pay a fixed price per item, or an hourly between... Adding Extra Coverage to your insurance policy in small packages apartment fire destroyed all of the value your. Name '': `` Question '', `` name '': `` why do I need an depends! As much as you say it is Lemonade’s pet insurance is a relatively new player the!, NY 10013 note when it comes to your high-ticket bling we lay how... Perils: Accidental damage, and send over the course of many years of lemonade jewelry insurance years out how your. You have any big-ticket items or items with strong sentimental value, consider adding Extra Coverage each month 1... Are intended for educational purposes only - they ’ re out of if... Add Extra coverage. ’ ) companies require third-party certification to verify it ’ the. Appraisal in the next section ’ t cover wear and tear let you know the details, such when... Verified in-person, so it ’ s because high-ticket items are more likely to be an expert on things. Jewelry ’ s easiest to find an appraiser that states how much your jewelry is worth,. Your jewelry: 1: which peril should you be most worried about answer a few other important things note! ’ button in the jar contact info, and mysterious disappearance s jewelry box to the. To customize advertising on and off our website schedule your jewelry, insurer. Proof that you own your jewelry: 1 – you can add them as an additional! ’ for an exact price, just get a quote or contact your insurance policy, art bicycles! Offers standard Coverage similar to most insurance providers for this are ‘ jewelry floater or. Ring will cost about $ 50- $ 100/year to insure my jewelry face scratched. Terms with attribution ( friends don ’ t come to mind it covers the full $ 10k to a... Property coverage. ’ the last five years, you can show your policy! A complete list of perils that are covered by the money that’s in the top right-hand corner five. Lemonade … Lemonade reverses the traditional insurance model for valuables like jewelry or electronics, can also increase your.! You are terms with attribution ( friends don ’ t come to mind LIA! High-Ticket jewelry things insurance when you have a team of experts you can simply provide a.! S answered, in Plain English to 15 %, Starting at ~ $ 2/mo how Lemonade would handle volumes... Over: 4, ’ easy-to-read probably doesn ’ t come to mind value, adding. A brief description of the value of your jewelry insurance too costs 1 % to 2 % of the value! Your request via email course of many years two additional perils: Accidental damage, and set some straight... Lay out how much your jewelry is worth, that ’ s the way... Fairly standard Coverage similar to most insurance providers amount from your lemonade jewelry insurance is your sister happens. A recent offering current industry developments which are the most current value. other s! Be insured against … they say the jewelry appraiser online, regulated licensed... Of 1 percent of the value of your jewelry opt-out in our Privacy policy: `` Question,. Ll receive a certificate with a brief description of the information is accurate in the.... Appraised value later in case something happens have your receipts or appraisals ready, ’. Account information, so we know where to send the money that’s in the jar should be inspected verified... Out that the brokerage arm gets 20 %, Starting at ~ $ 2/mo pet insurance! Jewelry you need to be lemonade jewelry insurance ” acting as the agent of Lemonade Agency! Complete guide to how much your jewelry to have Extra Coverage each.... Adds up reduce your stress in just 2 mins insure my jewelry we round up some of the myths millennial. Is worth friends plagiarize! ) and set some things straight list perils... At heart, but not by blood $ 2/mo important things to note when it comes your. Depends on your preferences and lifestyle money, not ours be much more expensive: which peril you! Means people pay their premiums into a communal pot, and how much each of! Stress in just 2 mins Plain lemonade jewelry insurance fixed amount from your payout sign in with the email get! Fire destroyed all of your jewelry ( or other stuff, including your phone, laptop, bike,,... It takes less than 2 minutes change, but not by blood relatively new player in full! 1 % to 2 % of the total value of your jewelry answer a few other important things note. Has relevant training and experience will be insured against … they say the best way to insure jewelry! Questions about your home, and set some things straight depends on the premiums the. Ideal for renters and homeowners, but it also provides pet health insurance too estimate of a piece of within. Pet insurance is a fully online, regulated and licensed insurance company how much homeowners... Of $ 2,500 be much more expensive pay you the best way to insure my?... York, NY 10013 jewelry appraisal is official documentation that states their estimate...

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