Reporting a Catastrophe Claim

A catastrophe can create considerable disruption in your life. We understand this and will work with you throughout the entire claims process — from initial response through final resolution — to provide fast and caring claims service.

When a catastrophe hits, we send members of our National Catastrophe Response Team to the affected areas as soon as it's safe to do so. In many cases, we're there within 24 hours, and we'll stay on site for as long as it takes to settle the claims. Plus, representatives located in our National Catastrophe Response Center are available immediately and provide service exclusively to catastrophe victims.

When you file a catastrophe claim, here's how we work with you to resolve it:

  • When it's safe to do so, log in to report your claim online. We'll ask some initial questions and begin resolving your claim immediately.
  • A claims representative will contact you as quickly as possible (generally by the end of the business day) to answer your questions and confirm that your vehicle is scheduled for an inspection. Be sure to discuss any questions you have about deductibles, what's covered, or the repairs with your claims representative at this time.
  • We'll inspect your vehicle's damage and provide an estimate for repairs. In disaster areas, we often have drive-in claims locations that allow you to bring your vehicle in for a damage estimate. We also can dispatch specially trained claims representatives to affected areas to inspect damage.
  • We'll help you arrange vehicle repair services and towing if needed. Progressive's network of repair shops or our concierge level of claims service is often available, depending on where you live and the circumstances surrounding the catastrophe. If available, we can schedule the appointment for you when you report the claim. If body shops in your area are closed due to a catastrophe, we can provide referrals to other nearby shops in our network. You also can select your own repair facility.
  • If you need a rental car and you have rental coverage with Progressive, your claims representative can make arrangements for one. We'll even bill the rental directly to Progressive. Keep in mind that rental reimbursement varies based on policy coverages and catastrophe circumstances.
  • We'll keep you informed about your claim by periodically checking the status of repairs and addressing any further issues, such as additional damage, supplemental payments or changes to the expected completion date, while your vehicle is in the shop.
  • If you use a repair shop in Progressive's network, or you use our concierge level of claims service for vehicle repairs, you'll get a copy of our Limited Lifetime Guarantee, which is valid for as long as you own or lease your vehicle.

When a disaster strikes, you can rest assured that Progressive will be there to help settle your claim quickly, fairly and accurately so you can move on with your life.

Check Your Claim Any Day, Any Time

If you'd like to check the status of your claim, log in to our online service site at any time. You also can view claim payment history and damage estimates, as well as make payments, print policy documents and more.

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