Progressive Select Insurance: Complete Claims Guide for Florida Property Damage | Louis Law Group

Progressive Select Insurance: Complete Florida Property Damage Claims Guide

Progressive Select Insurance Company is one of Florida's prominent property insurance carriers, providing homeowners, condo, and dwelling coverage across the state. When hurricane winds, severe weather, fire, or other covered perils damage your Florida property, understanding how to navigate Progressive Select's claims process can mean the difference between fair compensation and financial hardship.

This comprehensive guide covers everything Florida property owners need to know about Progressive Select insurance claims, from initial filing through potential disputes and legal action.

Need immediate help with a Progressive Select claim? Call Louis Law Group at (833) 657-4812 for a free consultation. No fees unless we win your case.

What is Progressive Select Insurance Company?

Progressive Select Insurance Company is a Florida-domiciled property insurance carrier that operates independently from Progressive's well-known auto insurance division. Founded to serve Florida's unique property insurance market, Progressive Select specializes in homeowners, condominium, and dwelling fire policies throughout the state.

Key Facts About Progressive Select Insurance:

• Florida Department of Financial Services Company Code: 2828
• NAIC Number: 15350
• Primary Coverage Areas: Statewide Florida property insurance
• Headquarters: Mayfield Village, Ohio (Progressive family of companies)
• Florida Office: Multiple service locations throughout the state

Progressive Select focuses exclusively on Florida property insurance, writing policies that cover:

• Single-family homes
• Condominiums
• Rental properties
• Vacation homes
• Mobile homes

Progressive Select Claims Phone Number & Contact Information

Progressive Select Claims Hotline: 1-800-776-4737

• Available: 24 hours a day, 7 days a week
• Services: New claim reporting, claim status updates, adjuster contact information

Additional Progressive Select Contact Methods:

• Online Claims: Available through policyholder portal
• Mobile App: Progressive Home App for iOS and Android
• Written Notice: Required for formal claim documentation

Florida Mailing Address for Claims: Progressive Select Insurance Company Claims Department P.O. Box 31260 Tampa, FL 33631-3260

How to File a Progressive Select Insurance Claim: Step-by-Step Process

Step 1: Ensure Safety and Security

Before beginning any claims process, prioritize safety:

• Evacuate if your property is unsafe
• Contact emergency services if needed (911)
• Secure your property to prevent further damage
• Turn off utilities if damaged (gas, electricity, water)

Step 2: Document the Damage Immediately

Critical for claim success: Thorough documentation protects your right to full compensation.

Photo Documentation Checklist:

• Wide-angle shots showing overall damage
• Close-up photos of specific damage details
• Date and time stamps enabled on camera/phone
• Multiple angles of each damaged area
• Comparison photos showing before/after (if available)

Video Documentation:

• Walk-through videos of entire property
• Narrate damage as you record
• Include date, time, and your contact information in video

Written Documentation:

• Detailed damage inventory list
• Dates when damage occurred
• Weather conditions during damage event
• Any emergency repairs made to prevent further damage

Step 3: Contact Progressive Select Immediately

Call 1-800-776-4737 to report your claim. Have this information ready:

• Policy number
• Date and time of loss
• Cause of damage (hurricane, fire, theft, etc.)
• Brief description of damage
• Contact information
• Location of damaged property

Important: Florida law requires prompt notice of claims. Report damage as soon as reasonably possible after it occurs.

Step 4: Complete Claim Forms and Documentation

Progressive Select will require:

• Sworn Statement in Proof of Loss (if requested)
• Detailed repair estimates from licensed contractors
• Personal property inventory (if contents coverage applies)
• Additional documentation specific to your loss type

Step 5: Meet with Progressive Select Adjuster

The adjuster will:

• Inspect your property damage
• Review your documentation
• Estimate repair/replacement costs
• Determine coverage under your policy terms

Your Rights During Adjuster Inspection:

• Be present during the inspection
• Point out all damage to the adjuster
• Ask questions about coverage
• Request copies of the adjuster's report
• Have your own contractor present (recommended)

Florida Laws Governing Progressive Select Insurance Claims

Florida Statute 627.70131: Property Insurance Claims Timeline

Progressive Select must comply with strict Florida deadlines:

14 Days: Acknowledge receipt of claim notice 30 Days: Begin investigation of claim 90 Days: Pay or deny claim after receiving proper proof of loss

Penalties for Violations: Insurance companies that violate these deadlines may face bad faith claims and attorney fee awards under Florida Statute 627.428.

Florida Statute 627.7074: Public Adjuster Rights

Florida property owners have the right to hire public adjusters to represent them in claims. Progressive Select cannot:

• Require you to use their preferred contractors
• Prohibit you from hiring a public adjuster
• Retaliate against policyholders who seek independent representation

Florida's Valued Policy Law (VPL)

Under Florida Statute 627.702, if your home is totally destroyed by covered hurricane or windstorm damage, Progressive Select must pay the full policy limits regardless of the home's actual cash value.

Common Progressive Select Insurance Claim Issues in Florida

Hurricane and Windstorm Claims

Florida's hurricane exposure creates unique challenges:

• Wind vs. Water Damage Disputes: Progressive Select may deny wind damage claims by attributing damage to excluded flood coverage
• Hurricane Deductibles: Special percentage deductibles apply to hurricane claims
• Causation Issues: Disputes over whether damage occurred during covered windstorm vs. excluded flood

Water Damage Claims

Common water damage disputes include:

• Roof Leak Coverage: Progressive Select may deny claims for gradual roof leaks vs. sudden storm damage
• Plumbing Issues: Coverage disputes for water damage from burst pipes, appliance failures
• Mold Damage: Limited coverage for mold resulting from covered water damage

Fire Damage Claims

Fire claims often involve:

• Total Loss Settlements: Disputes over replacement cost vs. actual cash value
• Additional Living Expenses: Coverage for temporary housing during repairs
• Personal Property Valuation: Disagreements over contents replacement values

Sinkhole Claims

Florida's geology creates sinkhole risks:

• Coverage Exclusions: Many policies exclude true sinkhole coverage
• Catastrophic Ground Cover Collapse: Limited coverage for specific geological events
• Engineering Reports: Required professional inspections for sinkhole claims

When to Hire a Florida Property Damage Attorney

Consider legal representation if Progressive Select:

• Denies your claim without adequate explanation
• Significantly underestimates repair costs
• Delays payment beyond Florida's legal deadlines
• Misrepresents policy coverage or exclusions
• Fails to investigate your claim thoroughly

Benefits of Attorney Representation:

• Knowledge of Florida insurance law and claim procedures
• Experience negotiating with insurance companies
• Access to expert witnesses (engineers, contractors, meteorologists)
• Ability to file lawsuits if necessary
• Recovery of attorney fees under Florida Statute 627.428

Louis Law Group specializes in Progressive Select insurance disputes. Call (833) 657-4812 for a free case evaluation.

Progressive Select Insurance Bad Faith Claims

Under Florida law, insurance companies must handle claims in good faith. Progressive Select commits bad faith if they:

• Deny claims without reasonable investigation
• Fail to settle claims within policy limits when liability is clear
• Misrepresent policy terms to avoid payment
• Unreasonably delay claim processing
• Fail to defend insureds against covered lawsuits

Remedies for Bad Faith:

• Compensatory damages for claim amounts wrongfully withheld
• Consequential damages for financial harm caused by bad faith
• Attorney fees and costs under Florida Statute 627.428
• Punitive damages in cases of egregious misconduct

Tips for Maximizing Your Progressive Select Insurance Claim

1. Act Quickly After Damage

• Report claims within 24-48 hours when possible
• Begin damage documentation immediately
• Make emergency repairs to prevent further damage
• Keep receipts for emergency repair expenses

2. Maintain Detailed Records

• Create a claim file with all documentation
• Log all communications with Progressive Select
• Keep copies of all photos, estimates, and correspondence
• Track claim timeline and deadlines

3. Get Independent Estimates

• Hire licensed Florida contractors for repair estimates
• Obtain multiple estimates for comparison
• Ensure estimates include all necessary repairs
• Don't rely solely on Progressive Select's estimates

4. Know Your Policy Coverage

• Review your declarations page for coverage limits
• Understand your deductibles and how they apply
• Know what perils are covered vs. excluded
• Ask questions about unclear policy language

5. Consider Professional Help

• Public adjusters can represent your interests
• Attorneys can protect your legal rights
• Contractors can identify all damage requiring repair
• Engineers can provide technical damage analysis

Progressive Select vs. Other Florida Insurance Companies

Market Position in Florida

Progressive Select competes with other major Florida property insurers:

• Citizens Property Insurance (state-run insurer of last resort)
• Universal Property & Casualty
• Federated National Insurance
• Tower Hill Insurance
• Security First Insurance

Claims Handling Comparison

While specific statistics vary, Florida property insurers generally face scrutiny for:

• High claim denial rates
• Lengthy claim processing times
• Disputes over hurricane damage coverage
• Litigation rates above national averages

Filing Complaints Against Progressive Select Insurance

Florida Department of Financial Services

If you're unsatisfied with Progressive Select's claim handling:

• File a complaint online: MyFloridaCFO.com
• Phone: 1-877-MY-FL-CFO (1-877-693-5236)
• Address: Florida Department of Financial Services, 200 East Gaines Street, Tallahassee, FL 32399

Better Business Bureau

Progressive Select's BBB rating and complaint history provide insight into customer satisfaction and claim handling practices.

Frequently Asked Questions About Progressive Select Insurance

How long do I have to file a Progressive Select insurance claim in Florida?

Most Progressive Select policies require prompt notice of claims, typically within one year of the loss date. However, report claims as soon as possible after damage occurs to avoid coverage disputes.

Does Progressive Select cover hurricane damage in Florida?

Yes, Progressive Select policies typically cover hurricane wind damage. However, hurricane deductibles apply (usually 2%, 5%, or 10% of dwelling coverage), and flood damage requires separate flood insurance.

Can Progressive Select cancel my policy after I file a claim?

Florida law restricts when insurers can cancel policies. Progressive Select generally cannot cancel for filing legitimate claims, but they may non-renew policies at expiration, particularly after multiple claims.

What's the difference between Progressive Select and Progressive Auto Insurance?

Progressive Select Insurance Company focuses exclusively on Florida property insurance, while Progressive Casualty Insurance Company handles auto insurance nationwide. They're related companies but operate separately with different policies and procedures.

How do I appeal a Progressive Select claim denial?

Request a detailed denial letter explaining the basis for denial. You can appeal through Progressive Select's internal appeals process, file a Department of Financial Services complaint, or hire an attorney to challenge the denial.

Does Progressive Select pay replacement cost or actual cash value?

This depends on your specific policy coverage. Many policies provide replacement cost coverage for dwellings and actual cash value for personal property, but coverage varies. Review your declarations page and policy terms.

Get Help with Your Progressive Select Insurance Claim

If Progressive Select has denied, delayed, or underpaid your Florida property damage claim, you don't have to accept their decision as final. Florida law provides strong protections for property owners, and experienced legal representation can make a significant difference in claim outcomes.

Louis Law Group represents Florida property owners in disputes with Progressive Select Insurance and other carriers. Our attorneys understand Florida insurance law, Progressive Select's claim practices, and how to maximize claim recoveries for our clients.

Why Choose Louis Law Group for Progressive Select Claims:

• Extensive experience with Progressive Select claim disputes
• Deep knowledge of Florida insurance law and regulations
• Proven track record of successful claim recoveries
• No fees unless we win your case
• Free case evaluation and consultation

Contact Louis Law Group today for help with your Progressive Select insurance claim:

Call (833) 657-4812 or start your free case evaluation

Don't let Progressive Select minimize your claim or deny coverage you deserve. Florida law is on your side, and experienced legal representation can help you recover the full compensation needed to repair your property and move forward after damage occurs.

Remember: Insurance companies have teams of adjusters and attorneys protecting their interests. You deserve the same level of professional representation protecting yours.

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

How to File a Claim with Great Lakes Insurance SE

If you hold a marine or flood insurance policy through Great Lakes Insurance SE, understanding the claims process is essential to protecting your rights and maximizing your recovery. Great Lakes Insurance SE is a specialty insurer and wholly owned subsidiary of Zurich Insurance Group, headquartered in Munich, Germany, with significant operations throughout the United States. The company is one of the largest writers of surplus lines insurance in Florida, particularly in the areas of marine insurance, inland marine coverage, and flood insurance. When disaster strikes — whether from a hurricane, tropical storm, or coastal flooding — knowing how to file a claim with Great Lakes Insurance SE can mean the difference between a fair settlement and a denied or underpaid claim.

Understanding Great Lakes Insurance SE and Its Coverage

Great Lakes Insurance SE operates as a non-admitted (surplus lines) insurer in Florida. This distinction matters because surplus lines carriers are not subject to the same rate regulations as admitted insurers, and their policyholders are not protected by the Florida Insurance Guaranty Association in the event the insurer becomes insolvent. However, surplus lines insurers like Great Lakes must still comply with Florida law regarding claims handling and good faith obligations.

Great Lakes Insurance SE primarily underwrites the following types of coverage in Florida:

• Marine insurance — covering vessels, yachts, commercial boats, and related watercraft
• Flood insurance — policies written outside the National Flood Insurance Program (NFIP), often called private flood insurance
• Inland marine coverage — protecting goods in transit and specialized equipment
• Commercial property insurance — particularly for coastal and high-risk properties

Because many Florida property owners and boat owners carry policies through Great Lakes, the company processes thousands of claims each year, especially following major weather events.

Steps to File a Claim with Great Lakes Insurance SE

Step 1: Review Your Policy Carefully

Before filing your claim, obtain and thoroughly review your Great Lakes Insurance SE policy. Pay close attention to:

• Coverage limits and deductibles — Marine and flood policies often carry separate wind and water deductibles
• Exclusions — Understand what is and is not covered under your specific policy
• Notice requirements — Most policies require prompt notification of a loss, often within a specific number of days
• Proof of loss deadlines — Your policy may require a sworn proof of loss within 60 to 90 days

Understanding these provisions before you file helps you avoid common pitfalls that insurers use to delay or deny claims.

Step 2: Document the Damage Thoroughly

Comprehensive documentation is the foundation of a successful insurance claim. Immediately after the loss occurs and it is safe to do so:

• Take extensive photographs and video of all damage
• Create a detailed inventory of damaged or destroyed property
• Preserve damaged items whenever possible — do not discard anything before the insurer inspects it
• Obtain written repair estimates from licensed contractors or marine surveyors
• Keep all receipts for emergency repairs and temporary living or docking expenses

For marine claims specifically, a professional marine survey can be invaluable in establishing the extent and cause of damage to your vessel.

Step 3: Notify Great Lakes Insurance SE Promptly

Contact Great Lakes Insurance SE as soon as possible to report your claim. You can typically file a claim through your insurance agent or broker, or by contacting the company directly. Under Florida law, specifically Florida Statute § 627.70131, insurers must acknowledge receipt of a claim within 14 days and begin their investigation within that same period.

When you report the claim, document the date and time of your call, the name of every representative you speak with, and any claim number or reference number you receive.

Step 4: Submit a Sworn Proof of Loss

Most Great Lakes Insurance SE policies require a sworn proof of loss statement. This is a formal, notarized document that details the circumstances of the loss, the items damaged or destroyed, and the total amount you are claiming. Failing to submit a timely and accurate proof of loss is one of the most common reasons claims are denied or delayed.

Step 5: Cooperate with the Insurer's Investigation

Great Lakes Insurance SE will assign an adjuster to inspect the damage and investigate the claim. Under Florida Statute § 627.70131, the insurer must provide a coverage determination within 90 days after you file the claim. During this period:

• Provide requested documents promptly
• Make the damaged property available for inspection
• Keep records of all communications with the adjuster

Common Reasons Great Lakes Insurance SE Claims Are Denied

Even legitimate claims can be denied or underpaid. Some of the most frequent reasons include:

• Late notice — Filing the claim after the policy's notification deadline
• Insufficient documentation — Failing to provide adequate proof of the loss
• Policy exclusions — The insurer determines the damage falls under an excluded cause of loss
• Wear and tear disputes — Particularly common in marine claims, where the insurer argues damage was pre-existing
• Proof of loss deficiencies — Technical errors or omissions in the sworn statement
• Coverage disputes — Disagreements over whether flood damage versus wind damage caused the loss, which can affect which policy responds

If your claim is denied or you receive a settlement offer that does not cover your actual losses, you have legal options.

Your Rights Under Florida Law

Florida law provides several important protections for insurance policyholders, even those insured through surplus lines carriers like Great Lakes Insurance SE:

• Timely claims handling — Under Florida Statute § 627.70131, insurers must acknowledge, investigate, and make a determination on your claim within specific timeframes
• Good faith obligations — Insurers must handle claims fairly and in good faith; violations may give rise to a bad faith claim under Florida Statute § 624.155
• Right to appraisal — Many policies include an appraisal provision that allows disputes over the amount of loss to be resolved by independent appraisers
• Right to legal representation — You have the right to hire an attorney to represent your interests at any stage of the claims process

It is worth noting that because Great Lakes Insurance SE is a surplus lines insurer, certain regulatory processes that apply to admitted carriers may differ. An attorney experienced in insurance disputes can help you navigate these distinctions.

When to Hire an Attorney for Your Great Lakes Insurance SE Claim

While not every claim requires legal representation, there are situations where hiring an experienced insurance attorney is strongly advisable:

• Your claim has been denied or significantly underpaid
• The insurer is delaying its investigation or settlement beyond statutory deadlines
• There is a dispute over whether the damage is covered under your policy
• The insurer is requesting an examination under oath (EUO)
• You have suffered a substantial loss and the stakes are high
• The insurer raises a coverage defense based on federal maritime law, which may preempt certain state law protections in marine claims

An attorney can also help you determine whether you have a basis for a bad faith insurance claim against Great Lakes Insurance SE if the company has unreasonably delayed or denied your valid claim.

Special Considerations for Marine Insurance Claims

Marine insurance claims filed with Great Lakes Insurance SE involve unique legal considerations. Federal admiralty and maritime law may apply to certain claims, particularly those involving vessels on navigable waters. This can affect:

• Choice of law — Whether state or federal law governs the dispute
• Venue — Where the claim must be filed
• Available remedies — The types of damages you may recover

Many Great Lakes marine policies contain arbitration clauses or choice-of-law provisions selecting the law of a foreign jurisdiction. Florida courts and federal courts have addressed the enforceability of such provisions, and recent case law has provided policyholders with important protections. Working with an attorney who understands both Florida insurance law and maritime claims is critical in these cases.

Frequently Asked Questions

How long does Great Lakes Insurance SE have to process my claim in Florida?

Under Florida Statute § 627.70131, Great Lakes Insurance SE must acknowledge your claim within 14 days of receiving notice, begin its investigation promptly, and make a coverage determination within 90 days. If the insurer fails to meet these deadlines, it may be acting in bad faith.

Can Great Lakes Insurance SE deny my flood claim if I also have an NFIP policy?

Yes, coverage disputes can arise when a property owner holds both a private flood policy through Great Lakes and a federal NFIP policy. The two policies may have different coverage terms, exclusions, and limits. It is important to file claims under both policies and understand how each responds to your specific loss.

What should I do if Great Lakes Insurance SE offers a settlement that seems too low?

Do not accept a lowball settlement without first having the offer reviewed by a qualified attorney. You have the right to dispute the amount offered, request a re-inspection, invoke the appraisal process if your policy includes one, or file a lawsuit if necessary. Once you accept a settlement and sign a release, you generally cannot pursue additional compensation.

Does Great Lakes Insurance SE handle claims differently because it is a surplus lines insurer?

Surplus lines insurers are regulated differently than admitted carriers in Florida. While they must still handle claims in good faith, disputes with surplus lines carriers may involve different procedural requirements. For example, surplus lines policies are not subject to the same rate approval process, and policyholders do not have access to the Florida Insurance Guaranty Association. However, policyholders retain the right to file a civil action for breach of contract or bad faith.

Can I file a bad faith claim against Great Lakes Insurance SE in Florida?

Yes. Under Florida Statute § 624.155, if Great Lakes Insurance SE fails to attempt in good faith to settle your claim when it could and should have done so, you may have grounds for a bad faith action. Bad faith claims can result in recovery beyond the policy limits, including consequential damages. You must typically file a Civil Remedy Notice with the Florida Department of Financial Services before pursuing a bad faith lawsuit.

Protect Your Rights — Contact an Experienced Insurance Attorney

Filing a claim with Great Lakes Insurance SE can be straightforward when the insurer acts promptly and fairly. But when claims are delayed, underpaid, or wrongfully denied, policyholders need experienced legal representation to level the playing field. Whether your claim involves marine insurance, private flood coverage, or commercial property damage, understanding your policy and your rights under Florida law is the first step toward a fair resolution.

Contact Louis Law Group today at 833-657-4812 for a free consultation. We work on a contingency fee basis — no fee unless we win.

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.

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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.