How to File a Claim with Progressive Select Insurance in Florida

Progressive Select Insurance Company is one of Florida's largest homeowners insurance carriers. When a hurricane, roof collapse, water intrusion, or fire damages your home, filing a property damage claim with Progressive Select is often the first step toward recovery — but it's rarely simple.

Many Florida homeowners discover too late that Progressive Select's claims process is designed to minimize payouts. Adjusters underestimate damage. Settlements fall far short of actual repair costs. Claims are delayed past Florida's legal deadlines, or denied outright with vague policy exclusions.

This guide covers everything you need to know about filing a Progressive Select property damage claim in Florida — and how to fight back if your claim is denied or underpaid.

Progressive Select Claims Phone Number: 1-800-776-4737 (24/7) Florida Property Damage Attorney: Louis Law Group — (833) 657-4812 — No fee unless we win

---

Step 1: Document Your Property Damage Thoroughly

Thorough documentation is your single most powerful tool against an insurance company that wants to pay as little as possible. Do this before you call Progressive Select — and before touching anything.

Document these immediately:

• Photographs and video of all damaged areas — roof, attic, walls, floors, ceilings, windows, doors, personal property. Capture wide shots and close-ups. Timestamp everything.
• Date and cause of loss — storm date, date you discovered a roof leak, date of fire, etc. Cross-reference with NOAA hurricane/storm records or local news coverage.
• Your full homeowners policy — know your coverage limits, deductibles, and exclusions before you speak with Progressive Select. Pay special attention to "open perils" vs. "named perils" coverage.
• Independent contractor repair estimates — get at least two or three written estimates from licensed contractors before accepting any settlement offer from Progressive Select.
• Receipts and records for damaged personal property — furniture, appliances, electronics. Document serial numbers, purchase dates, and replacement costs.
• Proof of prior condition — pre-damage photos, prior inspection reports, receipts for recent home repairs or improvements.
• Emergency repair documentation — if you had to tarp a roof, board windows, or extract water to prevent further damage, keep every receipt. Florida law requires you to mitigate ongoing damage.

The more complete your documentation, the harder it is for Progressive Select to dispute the scope or cause of your loss.

Step 2: Report Your Property Damage Claim to Progressive Select

Florida law requires you to report a property insurance claim promptly. Unreasonable delays can give Progressive Select grounds to reduce or deny your claim. Report as soon as damage is discovered — even if you haven't fully assessed all the damage yet.

How to file a property damage claim with Progressive Select:

• Phone: 1-800-776-4737 (24/7 claims line) — fastest way to open a claim and get your claim number
• Online: Log into progressive.com and submit your claim with photos and documentation
• Mobile App: Use the Progressive app to file, upload evidence, and track your claim in real time

What to say (and what NOT to say) when reporting:

• State the date, cause of loss (hurricane, wind, water intrusion, fire, etc.), and describe visible damage only
• Do not admit fault, minimize damage, or speculate about what caused what
• Get your claim number and your assigned adjuster's name in writing immediately
• Do not give recorded statements without consulting a property damage attorney first — recorded statements are used to minimize your payout

Florida legal deadlines Progressive Select must meet:

• Acknowledge receipt of your claim: within 14 days
• Begin investigation: within 10 days of receiving proof of loss
• Pay or deny your claim: within 90 days of receiving proof of loss

If Progressive Select misses these deadlines, document it carefully. Violations may constitute bad faith under Florida law.

Step 3: Manage the Property Damage Adjuster Inspection

After you file, Progressive Select will assign a property damage adjuster to inspect your home. This is the most contested stage of the entire claims process. The adjuster works for Progressive Select — their job is to minimize the payout.

How to protect yourself during the adjuster inspection:

• Be present the entire time. Walk the adjuster through every single area of damage. Point out damage they overlook or dismiss — adjusters are trained to "miss" things that reduce the settlement.
• Do not make permanent repairs before the inspection unless absolutely necessary to prevent further damage (emergency tarping, water extraction, window boarding). Keep all receipts for emergency work.
• Hire a licensed public adjuster. A public adjuster represents your interests, not Progressive Select's. They perform an independent damage assessment and negotiate directly with the insurer. Louis Law Group works with experienced public adjusters across Florida.
• Get the adjuster's full written estimate before agreeing to anything. Review every line item — look for missing repairs, excessive depreciation, or unsupported exclusions.
• Do not sign any release or accept any settlement until you've compared the estimate against your independent contractor quotes. Once you sign a release, recovering additional compensation for the same damage is extremely difficult.

If Progressive Select's adjuster undervalues your property damage, contact Louis Law Group at (833) 657-4812 for a free review before you sign anything.

Step 4: Review the Property Damage Settlement Carefully

When Progressive Select sends a settlement offer, treat it as a starting point — not a final number. Florida homeowners have legal rights to challenge lowball offers.

Before accepting any property damage settlement:

• Compare Progressive's offer against your independent contractor estimates line by line
• Confirm all damage is included — water damage behind walls, mold, structural issues, code compliance upgrade costs (Florida Building Code), and debris removal
• Verify RCV vs. ACV is applied correctly per your policy. Replacement Cost Value (RCV) pays what it costs to repair or replace. Actual Cash Value (ACV) deducts depreciation — this is lower, and Progressive Select sometimes applies ACV when RCV should apply.
• Challenge excessive depreciation deductions — insurers frequently over-depreciate roofing, flooring, and other materials to reduce payouts
• Confirm all personal property losses are included if you have contents coverage

If the settlement offer is unfair, you have these options:

1. File a Supplemental Claim — if additional damage is discovered after the initial settlement
2. Invoke the Appraisal Clause — your policy includes an appraisal process where each side hires an independent appraiser; a neutral umpire resolves disputes
3. File a DFS Complaint — report Progressive Select to the Florida Department of Financial Services (DFS)
4. Pursue a Bad Faith Claim — Florida Statute § 624.155 allows you to file a Civil Remedy Notice if Progressive Select failed to act in good faith; if they don't cure within 60 days, you can sue for the full claim value plus attorney's fees and potentially punitive damages

Louis Law Group has recovered millions for Florida homeowners with denied, delayed, and underpaid property damage claims. Call (833) 657-4812 — no fee unless we win.

---

Frequently Asked Questions: Progressive Select Property Damage Claims

What types of property damage does Progressive Select cover in Florida?

Progressive Select homeowners policies typically cover wind and hurricane damage, roof damage from storms, water damage from sudden and accidental events (not gradual leaks), fire and smoke damage, theft and vandalism, and personal property inside the home. Coverage varies — review your declarations page for exact coverages, limits, and exclusions.

How long does Progressive Select have to pay a property damage claim in Florida?

Under Florida law, Progressive Select must acknowledge your claim within 14 days, begin investigation within 10 days of receiving proof of loss, and pay or deny within 90 days. Missing these deadlines may constitute insurance bad faith.

What if Progressive Select denies my property damage claim?

Request the denial letter in writing with the specific policy exclusion cited. Gather independent contractor estimates and photographic evidence. File an appeal within 30 days. If the denial stands, contact a Florida property damage attorney — under Florida Statute § 624.155, you may have bad faith rights. Louis Law Group offers free claim reviews at (833) 657-4812.

Can I still file a claim if my Progressive Select adjuster already inspected and offered a low settlement?

Yes. You are not required to accept the first settlement offer. You can request a re-inspection, hire a public adjuster, file a supplemental claim, or invoke the appraisal clause. If Progressive Select refuses to negotiate fairly, a property damage attorney can take legal action.

Does Progressive Select cover roof damage in Florida?

Yes — if your roof was damaged by a covered peril (hurricane, windstorm, hail, falling objects). Progressive Select cannot deny a valid claim simply based on roof age if a covered storm event caused the damage. Florida law provides specific protections for hurricane-related roof claims.

Frequently Asked Questions: Filing a Claim with Progressive Select Insurance

How do I start a claim with Progressive Select Insurance? You can file a Progressive Select claim online at progressive.com, via the Progressive mobile app, or by calling 1-800-776-4737. Have your policy number, date of loss, and a description of damage ready before you call.

How long does Progressive Select have to respond to my claim in Florida? Under Florida law, Progressive Select must acknowledge receipt of your claim within 14 days and make a coverage decision within 90 days. Delays beyond this window may constitute bad faith.

What if Progressive Select sends an adjuster who underpays my claim? You are not required to accept the first offer. You can request a re-inspection, hire a public adjuster, or invoke the appraisal clause in your policy. If Progressive Select still refuses to pay fairly, you can pursue legal action.

Can I file a claim with Progressive Select for roof damage after a storm? Yes — if your policy covers windstorm or hurricane damage and your roof was damaged in a covered event, Progressive Select is obligated to pay for necessary repairs or replacement. They cannot deny coverage simply due to roof age if the storm caused the damage.

What does Louis Law Group do if Progressive Select denies my claim? Louis Law Group's attorneys send a formal demand letter, gather evidence, and negotiate directly with Progressive Select. If they refuse to pay fairly, we file suit. We work on contingency — no fee unless you win. Call (833) 657-4812.

Frequently Asked Questions: Progressive Select Insurance Claims in Florida

What should I do if Progressive Select denied my Florida claim?

First, request the denial in writing with the specific policy exclusion cited. Then gather independent repair estimates and evidence (photos, contractor reports). File an internal appeal within 30 days. If the denial stands, consult a Florida insurance attorney — you may have bad faith claim rights under Florida Statute § 624.155.

How long does Progressive Select have to respond to a claim in Florida?

Under Florida law, Progressive Select must acknowledge your claim within 14 days, begin investigation within 10 days of receiving proof of loss, and pay or deny within 90 days. Missing these deadlines may constitute bad faith and entitle you to additional damages.

Can I sue Progressive Select for bad faith in Florida?

Yes. Florida Statute § 624.155 allows you to file a "Civil Remedy Notice" (CRN) with the state, giving Progressive Select 60 days to cure the bad faith. If they don't, you can file suit for the full value of your claim plus attorney's fees and potentially punitive damages.

What is Progressive Select's claims phone number?

Progressive Select claims can be filed at 1-800-776-4737 (24/7). However, if your claim has already been denied or underpaid, contact a Florida insurance attorney before speaking further with Progressive's adjusters.

How much can I recover in a Progressive Select bad faith claim?

In a successful bad faith claim against Progressive Select, Florida homeowners can potentially recover: the full policy limits, consequential damages beyond the policy (in some cases), attorney's fees, court costs, and interest on delayed payments.

Does Progressive Select use independent adjusters in Florida?

Yes. Progressive Select frequently uses third-party adjusters who may underestimate damage to reduce payouts. You have the right to hire your own public adjuster or attorney to counter low estimates.