Progressive Insurance Claims in Florida

How to File a Progressive Insurance Claim

Filing a claim with Progressive in Florida is fast and simple:

• Online: Visit Progressive.com

• Mobile App: File and track your claim from your smartphone

• By Phone: Call 1-800-776-4737 (available 24/7)

• With a Local Agent: A Florida-based Progressive agent can guide you through the process step by step

For storm or flood claims, filing through the mobile app with photos can help speed up the inspection process.

Progressive Claims Contact Information

Here’s how to reach Progressive’s claims team in Florida:

• General Claims Line: 1-800-776-4737

• Glass & Windshield Claims: Same number, select glass option

• Roadside Assistance: 1-800-776-2778

• Find a Local Agent: Use Progressive’s Agent Locator to connect with a representative near you

Types of Claims You Can File with Progressive

Progressive covers a wide range of claims for Florida policyholders, including:

• Auto accidents (liability, collision, comprehensive)

• Windshield and glass repair

• RV, boat, motorcycle, and golf cart claims

• Homeowners and renters insurance

• Hurricane, flood, wind, and storm surge damage

• Theft, vandalism, and fire claims

Because Florida is prone to hurricanes and flooding, many residents carry comprehensive auto and homeowners coverage.

Timeline: How Long Do Progressive Claims Take?

Claims timelines vary based on severity, but here’s a general guide for Florida:

• Claim report: Immediate or same-day via app or online

• Inspection & damage estimate: 1–3 business days

• Repair scheduling: 2–5 business days

• Final settlement/payment: Typically 7–14 days after documentation

Using a Progressive-approved repair shop in Florida may reduce processing time and include a lifetime repair guarantee.

Progressive Insurance Claims Process

Here’s what the claims process looks like for Florida customers:

Report the claim (online, app, or agent)

Upload damage photos or schedule inspection

Estimate provided by adjuster or approved shop

Choose a repair shop or use one from Progressive’s DRP (Direct Repair Program)

Settlement approved and payment issued

Repairs completed and follow-up closed

Progressive’s Concierge Claims Service is available in select Florida cities for streamlined, full-service repairs.

Local Repair Shops and Body Shops Approved by Progressive

Progressive partners with hundreds of certified shops across Florida. Examples include:

• Caliber Collision – Tampa, Miami, Jacksonville

• Gerber Collision & Glass – Orlando, Fort Myers

• Maaco Auto Body – Statewide

• Fix Auto USA – West Palm Beach, Sarasota

DRP shops typically provide faster service and lifetime warranties on repairs. Find one near you using Progressive’s Repair Network Tool.

What to Expect from a Progressive Claims Adjuster

In Florida, Progressive adjusters help you by:

• Reviewing damage photos or conducting in-person inspections

• Confirming policy coverage and deductibles

• Determining fault and liability (if applicable)

• Coordinating with repair shops

• Finalizing settlements and answering your questions

During busy storm seasons, virtual inspections may be used first to expedite the process.

Common Reasons Progressive Claims Get Denied

While most claims are approved, here are common reasons for denial in Florida:

• Lapsed policy or missed payment

• Excluded or unlisted drivers

• Delays in reporting the incident

• Insufficient documentation or proof of loss

• Damage not covered under your policy (e.g., flood damage without flood coverage)

A local Florida agent can help appeal or refile denied claims if needed.

Customer Reviews of Progressive’s Claims

Here’s a look at how Florida customers rate Progressive’s claims process:

✅ Positive reviews mention:

• Fast mobile app claims and updates

• Friendly, knowledgeable agents

• Streamlined glass/windshield repair process

⚠️ Negative reviews report:

• Delays after hurricanes or major storms

• Disputes over repair shop pricing or total-loss values

• Premium increases after claims

For localized feedback, check Google, BBB, or Yelp reviews in your area.

State Laws That May Impact Your Claim

Florida insurance laws can affect how your Progressive claim is handled:

• No-Fault State: For car accidents, your own PIP coverage pays for medical bills regardless of fault

• Hurricane Deductibles: These apply separately from standard deductibles and affect homeowners claims

• Flood Insurance: Not included in standard homeowners policies—must be purchased separately

• Glass Repair Law: Florida law allows zero-deductible windshield repair under many auto policies

Understanding these rules helps prevent surprises during the claims process.

How a Local Insurance Agent Can Help With Your Claim

A Florida-based Progressive agent can support you by:

• Explaining hurricane, flood, and auto coverage

• Filing and tracking your claim

• Communicating with adjusters on your behalf

• Recommending reputable local repair facilities

• Helping dispute or appeal a denied claim

They also help you shop rates if your premium increases post-claim.

Need Help Filing a Progressive Claim in Florida?
Blake Insurance Group assists Florida drivers and homeowners with everything from storm claims to windshield repair. Reach out today for help navigating your claim quickly and correctly.