Claims
When something happens, call us first.
We'll help you report the claim to your carrier and stay with you until it's resolved. If anyone is hurt or in danger, call 911 first.
After a storm or loss
What to do, in order.
Get safe
Make sure everyone is safe. Stay away from downed power lines and standing water.
Prevent more damage
Make reasonable temporary repairs, like tarping a roof or boarding a window. Keep the receipts.
Document everything
Take photos and video of the damage before you clean up. Make a list of damaged items.
Report the claim
Call us or your carrier's claims line. Have your policy number ready.
Carrier claim lines
Report directly to your carrier.
Most carriers take claims 24 hours a day. Your carrier's name and policy number are on your ID card or declarations page.
ProgressiveReport online at progressive.com/claims
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[Carrier][24/7 claims phone and link]
Common questions
Does my homeowners policy cover flood damage?
No. Standard homeowners and condo policies exclude flood. Flood damage is covered only by a separate flood policy, through the NFIP or a private flood carrier.
What is a hurricane deductible?
Florida home policies usually have a separate hurricane deductible, often a percentage of your dwelling coverage rather than a flat dollar amount. Check your declarations page, or call us and we'll explain yours.
How long do I have to report a claim?
Report as soon as you can. Florida law sets deadlines for property claims after a loss, and waiting can complicate the process. When in doubt, call us.
Should I hire a public adjuster?
Talk to us first. We can help you understand your coverage and the carrier's process before you sign anything.