Comprehensive Guide to Progressive Insurance Coverage for Hurricanes

In the face of nature’s unyielding fury, homeowners face the daunting task of protecting their homes and possessions against the catastrophic perils that hurricanes bring. Progressive Insurance recognizes this pressing need and offers comprehensive hurricane coverage to safeguard policyholders from the devastating consequences of these inclement events. Our policies are meticulously crafted to provide robust protection against wind damage, flooding, and other hurricane-related hazards, giving homeowners peace of mind in even the most turbulent of times.

Unlike many standard homeowners insurance policies, Progressive’s hurricane coverage extends beyond the limitations of windstorm endorsements. It encompasses a wider range of perils, including rain-related damage, storm surge, and hail. Additionally, our policies provide optional coverage for items often excluded from traditional policies, such as valuable electronics, jewelry, and collectibles. Whether it’s the towering winds that batter rooftops or the relentless rainfall that floods homes, Progressive’s hurricane coverage ensures that policyholders can focus on recovery rather than financial hardship.

Furthermore, Progressive offers a seamless claims process designed to minimize inconvenience and expedite the restoration process. Our experienced claims representatives are available 24/7 to assist policyholders throughout the claim filing and settlement process. In the aftermath of a hurricane, when time is of the essence, Progressive’s unwavering commitment to customer service shines through. We strive to provide prompt and efficient reimbursements so that our clients can swiftly repair their homes and replace damaged belongings, allowing them to rebuild their lives in the wake of devastation.

Understanding Hurricane Coverage Under Progressive Insurance

Progressive Insurance offers comprehensive coverage for hurricanes, providing policyholders with financial protection against the devastating effects of these storms. To ensure you have adequate coverage, it’s crucial to understand the specific terms and conditions of your policy.

Comprehensive and Collision Coverage

Progressive’s comprehensive and collision coverage includes protection against hurricanes. Comprehensive coverage covers non-collision-related damages, such as those caused by windstorms, falling objects, and floods. Collision coverage, on the other hand, protects against damages resulting from a collision with another vehicle or object. Both comprehensive and collision coverage are highly recommended for hurricane-prone areas, as they provide the most comprehensive protection for your vehicle.

Windstorm Coverage

Windstorm coverage is a specific endorsement or add-on that can be purchased to supplement your comprehensive and collision coverage. It provides additional protection against hurricane-force winds and is highly recommended in areas with a high risk of tropical storms or hurricanes. It covers damages caused by wind-driven debris, such as trees, flying objects, and shingles.

Deductibles

Your policy’s deductible is the amount you’re responsible for paying out-of-pocket before Progressive begins to cover the costs of repairs or replacements. Hurricane coverage deductibles vary depending on your location, the type of coverage you have, and your individual policy. Choosing a higher deductible can lower your premiums but will result in a higher out-of-pocket expense if you file a claim.

Claims Process

In the event of a hurricane, you should contact Progressive as soon as possible to file a claim. Progressive has a dedicated claims team that is available 24/7 to assist policyholders. To file a claim, you can call Progressive’s claims hotline, submit a claim online, or visit a local Progressive agent.

Additional Benefits

Progressive Insurance may offer additional benefits to policyholders who have hurricane coverage, including:

Benefit	Description
Towing and storage	Covers the costs of towing your damaged vehicle to a repair shop and storing it until repairs are complete.
Rental car reimbursement	Provides a reimbursement for a rental car while your damaged vehicle is being repaired or replaced.
Glass coverage	Covers the cost of repairing or replacing broken glass, including windshields, windows, and mirrors.

Dwelling Coverage for Hurricane Damage

Progressive’s homeowners insurance offers comprehensive coverage for hurricane damage to your dwelling, which includes the structure of your home, attached structures like garages or porches, and any built-in appliances or fixtures.

Types of Covered Damage

Dwelling coverage typically includes protection against the following types of hurricane damage:

Wind damage: This includes damage caused by strong winds, such as damage to your roof, walls, windows, or doors.
Rain damage: This includes damage caused by rainwater entering your home, such as water damage to your flooring, walls, or furniture.
Flood damage: This includes damage caused by rising floodwaters, such as water damage to your basement, first floor, or belongings.
Debris damage: This includes damage caused by debris blown by the wind, such as damage to your roof, siding, or windows.
Other covered perils: In addition to the above, dwelling coverage may also include protection against other covered perils, such as fire, theft, and vandalism.

Coverage Limits

The amount of coverage you have for dwelling damage will depend on the limits you select when you purchase your homeowners insurance policy. You can choose different limits for different types of damage, such as wind damage, rain damage, and flood damage. It’s important to select limits that are sufficient to cover the potential cost of repairing or replacing your home in the event of a hurricane.

Deductibles

A deductible is the amount of money you have to pay out-of-pocket before your insurance coverage kicks in. You can choose different deductibles for different types of damage, such as wind damage, rain damage, and flood damage. A higher deductible will result in a lower premium, but it will also mean that you have to pay more out-of-pocket in the event of a claim.

Additional Coverage Options

In addition to the basic dwelling coverage described above, you may also want to consider purchasing additional coverage options, such as:

Extended replacement cost coverage: This coverage provides additional protection for the cost of rebuilding your home in the event of a total loss.
Loss of use coverage: This coverage provides reimbursement for additional living expenses you incur if you are unable to live in your home due to hurricane damage.
Personal property coverage: This coverage provides protection for your belongings in the event of hurricane damage.

How to File a Claim

If your home is damaged by a hurricane, you should contact your insurance company as soon as possible to file a claim. You will need to provide your insurance company with information about the damage, including photos and documentation. Your insurance company will then send an adjuster to inspect the damage and assess the cost of repairs.

Once your claim has been approved, your insurance company will issue a payment to cover the cost of repairs. You can use this payment to repair or replace your damaged home.

The following table provides a summary of the key coverage features for dwelling coverage under Progressive’s homeowners insurance policy:

Personal Property Coverage for Hurricane Damage

Overview

Progressive’s homeowners and renters insurance policies provide coverage for personal property damaged by hurricanes. This coverage includes your belongings inside your home, as well as items stored in an attached garage or other outbuildings.

Covered Property

Your personal property coverage includes a wide range of items, including:

Furniture
Clothing
Electronics
Appliances
Jewelry
Artwork
Rugs
Curtains
Bedding
Linens

Coverage Limits

The amount of coverage you have for your personal property will depend on the limits of your policy. You can choose from a variety of coverage limits, so it’s important to select the amount that’s right for you.

Deductible

Your deductible is the amount you have to pay out of pocket before your insurance coverage kicks in. You can choose from a variety of deductibles, so it’s important to select the amount that’s right for you.

Coverage Exclusions

There are a few types of personal property that are not covered by Progressive’s homeowners and renters insurance policies. These include:

Cash
Bullion
Stamps
Coins
Artwork by renowned artists
Jewelry over a certain value

Coverage Options

Progressive offers a variety of coverage options to help you customize your policy to meet your specific needs. These options include:

Guaranteed replacement cost coverage
Replacement cost coverage
Actual cash value coverage

Coverage Feature	Description
Covered perils	Wind, rain, flood, debris, fire, theft, and vandalism
Coverage limits	Limits vary depending on the policy
Deductibles	Deductibles vary depending on the policy
Additional coverage options	Extended replacement cost coverage, loss of use coverage, and personal property coverage
How to file a claim	Contact your insurance company as soon as possible after the damage occurs

Coverage Option	Description
Guaranteed replacement cost coverage	This option provides coverage for the full cost of replacing your belongings, regardless of their age or condition.
Replacement cost coverage	This option provides coverage for the cost of replacing your belongings with similar items of like kind and quality.
Actual cash value coverage	This option provides coverage for the depreciated value of your belongings.

Filing a Claim

If your personal property is damaged by a hurricane, you should file a claim with Progressive as soon as possible. You can file a claim online, by phone, or by mail.

When you file a claim, you will need to provide the following information:

Your policy number
A description of the damage
An estimate of the cost of repairs or replacement
Photos of the damage

Progressive will then process your claim and send you a payment for the covered damages.

Additional Living Expenses Coverage for Hurricane Displacement

When a hurricane strikes, it can cause widespread damage and displacement. If your home is damaged or destroyed, you may need to find a place to stay while it is being repaired or rebuilt. Additional living expenses (ALE) coverage can help pay for these expenses.

What Does ALE Coverage Cover?

ALE coverage typically covers the following expenses:

Hotel bills
Rental housing
Food and beverage expenses
Laundry and cleaning expenses
Transportation expenses

How Much ALE Coverage Do I Need?

The amount of ALE coverage you need will depend on the following factors:

The value of your home
The cost of living in your area
The length of time you expect to be displaced

How to File an ALE Claim

To file an ALE claim, contact your insurance company as soon as possible after the hurricane. You will need to provide the following information:

Your policy number
The date of the hurricane
The location of your damaged home
The estimated cost of your ALE expenses

How Long Does It Take to Get an ALE Payment?

The time it takes to get an ALE payment will vary depending on the insurance company. However, most companies will process ALE claims quickly so that you can get the money you need to cover your expenses.

Five Common Mistakes to Avoid When Filing an ALE Claim

Not filing a claim promptly. You should file an ALE claim as soon as possible after the hurricane. This will help you get your payment faster.
Underestimating your expenses. When estimating your ALE expenses, be sure to include all of the expenses that you will incur, such as hotel bills, food expenses, and transportation costs.
Not keeping receipts. Be sure to keep receipts for all of your ALE expenses. This will help you prove your expenses to the insurance company.
Not reporting all of your expenses. When you file your ALE claim, be sure to report all of your expenses, even if they are small. The insurance company will only reimburse you for the expenses that you report.
Not disputing denied claims. If your ALE claim is denied, be sure to dispute the decision. You may be able to get the insurance company to reconsider its decision.

Flood Coverage through Progressive’s Endorsement

Progressive offers coverage for flood damage as an add-on to homeowner’s or renter’s insurance policies through an optional endorsement. This endorsement provides financial protection against losses caused by flooding, which is not typically covered under a standard homeowner’s or renter’s insurance policy.

Understanding Flood Coverage

Floods are defined as an overflow of water from a body of water, such as a river, lake, or ocean, or a sudden and unexpected accumulation of water on your property. Flood damage can be extensive and costly, affecting both the structure of your home and its contents.

Endorsement Coverage Limits and Deductibles

The coverage limits and deductibles for your Progressive flood endorsement will vary depending on your policy and the level of coverage you choose. Typically, you can choose coverage limits ranging from $10,000 to $250,000. The higher the coverage limit, the more financial protection you will have.

The deductible represents the amount you are responsible for paying out of pocket before your insurance coverage kicks in. Progressive typically offers deductibles for flood endorsements ranging from $500 to $2,500. The lower the deductible, the less you will have to pay out of pocket.

Benefits of Progressive’s Flood Endorsement

There are several benefits to choosing Progressive’s flood endorsement for your homeowner’s or renter’s insurance:

Financial protection against flood damage
Coverage for both your home’s structure and its contents
Flexible coverage limits and deductibles
Easy add-on to your existing Progressive insurance policy

Filing a Flood Damage Claim

If your home or property suffers flood damage, it’s important to file a claim with Progressive as soon as possible. You can file a claim online, by phone, or through the Progressive mobile app.

To file a claim, you will need to provide Progressive with the following information:

Your policy number
The date of the flood
The extent of the damage
Photos or documentation of the damage

Getting Flood Coverage through Progressive

To add flood coverage to your Progressive homeowner’s or renter’s insurance, you can:

Speak to your Progressive agent
Call Progressive’s customer service line at 1-866-414-7294
Visit Progressive’s website at https://www.progressive.com

Additional Considerations

In addition to purchasing flood coverage through Progressive, there are other steps you can take to protect your home from flood damage:

Elevate your home above the base flood elevation
Install flood vents and sump pumps
Create an emergency plan and evacuation route
Purchase flood insurance through the National Flood Insurance Program (NFIP)

Filing a Hurricane Claim with Progressive

1. Contact Progressive Promptly

Time is of the essence after a hurricane. Contact Progressive as soon as possible to report your claim. You can do this by calling their toll-free claims number, submitting a claim online, or using their mobile app.

2. Gather Documentation

To process your claim, Progressive will need certain documentation. This may include:

Proof of ownership, such as a deed or title
Photos and videos of the damage
Estimated repair costs
Any other relevant documents

3. Provide a Detailed Description

In your claim report, provide a detailed description of the damage your property has sustained. Include the date and time the damage occurred, the type of damage (e.g., roof damage, water damage), and any other pertinent information.

4. Schedule an Inspection

Once you have filed your claim, Progressive will likely schedule an inspection of your property. An adjuster will visit your home to assess the damage and determine the amount of your coverage.

5. Review the Claim Estimate

After the inspection, Progressive will provide you with a claim estimate. This document will outline the damages covered by your policy and the amount of your settlement.

6. Negotiate the Settlement

If you disagree with the claim estimate, you can negotiate with Progressive to increase the settlement amount. Be prepared to provide documentation to support your request.

7. Accept the Settlement

Once you are satisfied with the settlement amount, you will need to sign a release form. This will authorize Progressive to release the payment for your claim.

8. Receive Payment

Progressive will typically issue payment for your claim within a few days of accepting the settlement. The payment can be sent as a check or direct deposit.

9. Use the Funds Wisely

Use the funds from your claim to cover the costs of repairing or replacing your damaged property. It’s important to use the funds wisely and prioritize the most important repairs.

10. Document the Repairs

Keep receipts and documentation for all repairs you make to your property. This will help you prove the expenses you incurred if you need to submit a claim in the future.

11. Keep Progressive Informed

Keep Progressive informed of any updates or changes to your claim. This could include changes in the repair timeline or if you encounter any issues during the repair process.

12. Get Professional Assistance if Needed

If you have a complex or disputed claim, consider getting professional assistance from a hurricane damage attorney. They can help you navigate the claims process and ensure your rights are protected.

Contact Information
Claims Number:	1-800-776-4737
Online Claim Submission:	https://www.progressive.com/claims
Mobile App:	Download the Progressive app for iOS or Android

Documentation Required for a Hurricane Claim

In the aftermath of a hurricane, filing an insurance claim quickly and efficiently is crucial. Progressive Insurance requires specific documentation to support your claim. Having these documents organized and readily available will expedite the claims process.

1. Proof of Insurance

Provide a copy of your Progressive insurance policy to confirm your coverage and policy details.

2. Contact Information

Ensure Progressive has your current contact information, including your phone number, email address, and mailing address.

3. Property Identification

Provide information about the property affected by the hurricane, including its address, legal description, and ownership status.

4. Hurricane Information

Record details of the hurricane, such as its name, date of impact, and estimated wind speeds.

5. Damage Assessment

Document the hurricane damage to your property thoroughly. Take detailed photographs and videos of all affected areas, both interior and exterior.

6. Repair Estimates

Obtain estimates from qualified contractors for the necessary repairs to your property. These estimates should include a detailed breakdown of materials, labor, and any other related costs.

7. Receipts and Invoices

Keep all receipts and invoices related to the repairs and cleanup of your property.

8. Permanent Repairs

Provide documentation of any permanent repairs made to your property, such as photographs, invoices, and warranties.

9. Loss of Use

If you are unable to live in your property due to hurricane damage, document any additional expenses incurred for temporary housing.

10. Proof of Occupancy

Provide proof that you were living in the property at the time of the hurricane. This can include utility bills, lease agreements, or mortgage statements.

11. Loss of Personal Property

If you lost or damaged personal property during the hurricane, create a detailed inventory and provide documentation of its value.

12. Transfer of Funds

Provide your bank account information for Progressive to deposit any settlement funds related to your claim.

13. Additional Documentation

In addition to the above, Progressive may request additional documentation based on the specific circumstances of your claim. These may include:

Document Type	Description
Police Report	If your property was damaged or stolen as a result of looting or vandalism during the hurricane.
Flood Certificate	If your property is located in a flood-prone area.
Appraisal	For high-value items, such as jewelry or artwork.
Mitigation Plan	If you have implemented any measures to reduce the risk of future hurricane damage to your property.

By gathering and organizing the necessary documentation, you will provide Progressive Insurance with the information they need to process your hurricane claim efficiently and ensure you receive the coverage you deserve.

Benefits of Progressive’s Hurricane Coverage

Comprehensive Coverage for Hurricane Damage

Progressive’s hurricane coverage provides comprehensive protection for your vehicle against hurricane-related damage, including:

Structural damage, such as roof collapse or broken windows
Water damage, including flooding and storm surge
Debris impact, such as damage caused by flying objects or fallen trees

Replacement Cost Coverage for Total Loss

If your vehicle is declared a total loss due to hurricane damage, Progressive’s hurricane coverage offers replacement cost coverage. This means that you will receive the actual cash value of your vehicle, up to the policy limits, rather than the depreciated value.

24/7 Claims Assistance

In the event of a hurricane, Progressive’s claims team is available 24/7 to assist you. You can report a claim online, by phone, or through the Progressive mobile app.

Fast and Efficient Claims Handling

Progressive understands the urgency of settling claims after a hurricane. Their goal is to process claims quickly and efficiently, so you can get your vehicle repaired or replaced as soon as possible.

Hurricane Deductible Options

Progressive offers flexible hurricane deductible options to meet your budget. You can choose a lower deductible for more comprehensive coverage or a higher deductible for lower premiums.

Coverage for Named Storms vs. Hurricanes

Progressive’s hurricane coverage includes coverage for both named storms and hurricanes. A named storm is a tropical storm or hurricane that has been given a name by the National Hurricane Center. Hurricanes are the most severe type of named storm, with sustained winds of 74 miles per hour or higher.

Windshield Repair or Replacement

Hurricane-force winds can often cause windshield damage. Progressive’s hurricane coverage includes coverage for windshield repair or replacement.

Rental Car Allowance

If your vehicle is damaged by a hurricane and needs to be repaired, Progressive’s hurricane coverage provides a rental car allowance to help you get around while your vehicle is being fixed.

Towing and Storage

If your vehicle is disabled due to hurricane damage, Progressive’s hurricane coverage covers towing and storage expenses.

Discounts and Savings

Progressive offers various discounts and savings on hurricane coverage, including:

Discount Type	Savings
Multi-Policy Discount	Up to 10%
Homeowners Insurance Discount	Up to 5%
Safe Driver Discount	Up to 15%

Protection for Your Property and Belongings

Progressive’s hurricane insurance coverage provides comprehensive protection for your home, belongings, and other property against the damaging effects of hurricanes. Here’s a detailed breakdown of the coverage you can expect:

Dwelling Coverage

Progressive’s dwelling coverage protects the physical structure of your home, including the foundation, walls, roof, and any attached structures like garages or porches. It also covers built-in appliances, such as refrigerators, stoves, and dishwashers.

Other Structures Coverage

This coverage extends protection to additional structures on your property, such as detached garages, sheds, fences, and swimming pools. It ensures that these structures are repaired or replaced if damaged by a hurricane.

Personal Property Coverage

Personal property coverage protects your belongings inside your home, such as furniture, electronics, clothing, and personal items. It also includes coverage for valuables like jewelry, art, and collectibles.

Loss of Use Coverage

If your hurricane damages your home rendering it uninhabitable, loss of use coverage provides additional living expenses. This coverage helps you pay for temporary housing, food, and other living expenses until your home is repaired or replaced.

Debris Removal Coverage

After a hurricane, debris removal can be a significant expense. Progressive’s hurricane insurance covers the cost of removing debris from your property following a covered loss.

Ordinance or Law Coverage

Ordinance or law coverage protects you from the financial burden of having to comply with building codes or other regulations that may increase the cost of repairing or replacing your home after a hurricane.

Replacement Cost Coverage

Progressive’s replacement cost coverage ensures that your home and belongings are rebuilt or replaced with materials of similar quality or value, regardless of the actual cash value at the time of the loss. This coverage provides peace of mind knowing that you won’t be financially penalized for rising costs.

Guaranteed Replacement Cost Coverage

For an additional premium, you can upgrade to guaranteed replacement cost coverage, which provides a guaranteed amount of coverage for rebuilding your home, even if it exceeds the original estimated replacement cost.

Inflation Protection Coverage

Progressive’s inflation protection coverage automatically adjusts your coverage limits each year to keep pace with rising construction costs, ensuring that you have adequate coverage even in the event of inflation.

Additional Coverage Options

In addition to the standard coverage listed above, Progressive offers several additional coverage options to customize your hurricane insurance policy:

Coverage Option	Description
Hurricane Deductible Waiver	Waives the deductible for hurricane-related losses.
Building Code Coverage	Provides coverage for the cost of upgrading your home to meet current building codes.
Secondary Water Damage Coverage	Expands coverage to include water damage caused by wind-driven rain.

Peace of Mind during Hurricane Season

Coverage Details

Progressive insurance offers comprehensive coverage for hurricane damage, including:

Dwelling coverage: Protects the structure of your home, including walls, roof, and attached structures like porches.
Other structures coverage: Covers detached structures like garages, sheds, and fences.
Personal belongings coverage: Protects your furniture, appliances, clothing, and other personal items.
Loss of use coverage: Reimburses you for temporary living expenses if your home is uninhabitable due to hurricane damage.
Debris removal coverage: Covers the cost of removing debris from your property.

Benefits of Progressive Hurricane Coverage

Choosing Progressive for your hurricane insurance offers several benefits:

Peace of mind: Knowing that your home and belongings are protected can provide invaluable peace of mind during hurricane season.
Comprehensive coverage: Progressive’s hurricane insurance covers a wide range of damages, ensuring maximum protection.
Quick claims processing: Progressive has a dedicated team to handle hurricane claims promptly and efficiently.
Competitive rates: Progressive offers competitive rates on hurricane insurance, making it affordable for homeowners.

Preparing for Hurricane Season

To maximize your hurricane preparedness, follow these tips:

Review your insurance policy: Make sure you have adequate coverage for hurricane damage.
Create an emergency plan: Include evacuation routes, meeting places, and a plan for staying in touch with loved ones.
Prepare an emergency kit: Stock up on essential supplies like food, water, and first aid.
Secure your home: Reinforce windows and doors, and remove loose items from your yard.

Hurricane Deductibles

When you purchase hurricane insurance from Progressive, you will select a deductible. A deductible is the amount you pay out-of-pocket before insurance coverage kicks in. Choosing a higher deductible can lower your insurance premium, but it also increases your financial responsibility in the event of a claim. Consider your financial situation and risk tolerance when selecting a deductible.

Additional Coverage Options

In addition to the standard hurricane coverage offered by Progressive, you may consider adding the following endorsements:

Windstorm coverage: Extends coverage to damage caused by high winds, even if there is no hurricane.
Flood coverage: Protects against damage caused by flooding, which is not typically covered by hurricane insurance.
Replacement cost coverage: Provides coverage for the full cost of replacing damaged items, regardless of their depreciated value.

Understanding Hurricane Claims

Filing a hurricane claim with Progressive is simple and straightforward:

Contact Progressive as soon as possible after the hurricane.
Provide details of the damage and submit necessary documentation.
An adjuster will be assigned to evaluate the damage and estimate the cost of repairs.
Progressive will process the claim promptly and issue payment.

Financial Assistance for Recovery

Coverage for Lost or Damaged Belongings

Progressive provides coverage for lost or damaged personal belongings, including furniture, clothing, electronics, and appliances. Coverage limits and deductibles vary depending on the policy you choose.

Temporary Housing Assistance

If your home is uninhabitable due to hurricane damage, Progressive may provide coverage for temporary housing expenses, such as hotel stays or rental payments. Coverage limits and duration of benefits vary depending on the policy.

Emergency Food and Clothing Assistance

Progressive may provide financial assistance for emergency food and clothing expenses if you are displaced from your home due to a hurricane.

Transportation Assistance

Progressive may cover transportation costs, such as rental car fees or public transportation expenses, if you need to travel due to hurricane damage.

Childcare Assistance

If you have children and need childcare due to school closures or other disruptions caused by the hurricane, Progressive may provide financial assistance for childcare expenses.

Medical Expenses

Progressive may cover medical expenses related to injuries or illnesses sustained during the hurricane.

Debris Removal Assistance

Progressive may provide financial assistance for the removal of debris from your property.

Contractor Costs

Progressive may cover the costs of hiring contractors to repair or rebuild your home.

Loss of Income Assistance

Progressive may provide financial assistance to compensate for lost income if you are unable to work due to hurricane damage.

Other Expenses

Progressive may cover other reasonable and necessary expenses related to hurricane recovery, subject to the limits and deductibles of your policy.

Additional Information

The following table summarizes some of the coverage options available for hurricane damage:

Coverage	Limits	Deductibles
Lost or Damaged Belongings	Up to $100,000	$500 – $2,500
Temporary Housing Assistance	Up to $5,000 per month	$1,000 – $2,500
Emergency Food and Clothing Assistance	Up to $1,000	Not applicable
Transportation Assistance	Up to $500 per day	Not applicable
Childcare Assistance	Up to $250 per day	Not applicable

It’s important to note that coverage limits, deductibles, and exclusions may vary by policy and state. It’s recommended to review your policy carefully and discuss any questions or concerns with your insurance agent.

Roof Damage Repair and Replacement

Hurricanes are among the most destructive forces of nature, capable of causing extensive damage to homes and buildings. Roofs are particularly vulnerable to hurricane winds and rain, and repairing or replacing a damaged roof can be a costly undertaking.

Progressive Insurance recognizes the importance of protecting your home from hurricane damage, which is why they offer comprehensive coverage for roof repairs and replacements.

Covered Damages

Progressive’s hurricane insurance covers a wide range of roof damage, including:

Broken or missing shingles
Torn or detached roofing membrane
Damaged flashing

li>Cracked or damaged chimneys

Gutters and downspouts that have been dislodged or damaged

Coverage Limits

The amount of coverage you have for roof damage will depend on the specific policy you choose. Progressive offers a range of coverage options to meet your needs, including:

Actual Cash Value (ACV): This coverage pays the depreciated value of your roof at the time of the damage.
Replacement Cost Value (RCV): This coverage pays the cost of replacing your roof with a new roof of like kind and quality.

Deductible

When you file a claim for roof damage, you will be responsible for paying a deductible. The deductible is the amount you have to pay out of pocket before your insurance coverage kicks in. Progressive offers a range of deductible options to choose from, so you can find one that fits your budget.

Claims Process

If your roof is damaged by a hurricane, you should file a claim with Progressive as soon as possible. You can file a claim online, by phone, or through the Progressive mobile app.

Once you file a claim, a Progressive adjuster will inspect your roof and determine the extent of the damage. The adjuster will then work with you to determine the best course of action to repair or replace your roof.

Tips for Preventing Roof Damage

There are a number of things you can do to help prevent roof damage from hurricanes, including:

Maintain your roof in good condition. This includes regularly inspecting your roof for any signs of damage and making repairs as needed.
Install hurricane-resistant shingles. These shingles are designed to withstand high winds and are a great way to protect your roof from damage.
Trim trees around your home. Overhanging branches can rub against your roof and cause damage in high winds.
Clear your gutters and downspouts. Clogged gutters can cause water to back up under your shingles and damage your roof.

By following these tips, you can help reduce the risk of roof damage from hurricanes and protect your home from costly repairs.

Additional Coverage Options

Progressive offers a number of additional coverage options that can help you protect your home from hurricane damage, including:

By adding these additional coverage options to your Progressive hurricane insurance policy, you can ensure that your home is fully protected from the devastating effects of a hurricane.

Debris Removal Costs

In the aftermath of a hurricane, debris removal can be a daunting task. Progressive insurance coverage can help you cover the costs of removing debris from your property.

Here are some of the costs that Progressive insurance may cover:

Removal of trees and other vegetation
Removal of construction debris
Removal of household items
Removal of hazardous materials

The amount of coverage you have for debris removal costs will depend on your policy limits. Most policies have a limit of $5,000 for debris removal costs.

You can increase your debris removal coverage by purchasing an endorsement. An endorsement is a rider that adds additional coverage to your policy. Progressive offers a debris removal endorsement that can increase your coverage to $10,000.

If you have Progressive insurance coverage, you should contact your agent or insurance company as soon as possible after a hurricane to file a claim for debris removal costs.

Filing a Claim for Debris Removal Costs

To file a claim for debris removal costs, you will need to provide the following information to your insurance company:

Your policy number
The date of the hurricane
The location of the damage
A description of the damage
An estimate of the cost of debris removal

Your insurance company will review your claim and determine how much coverage you are eligible for. If your claim is approved, your insurance company will send you a check for the amount of coverage that you are eligible for.

Tips for Reducing Debris Removal Costs

Here are some tips for reducing debris removal costs:

Start cleaning up as soon as possible after the hurricane.
Sort debris into piles, such as vegetation, construction debris, and household items.
Contact your local government to see if they offer any debris removal services.
Get multiple quotes from debris removal companies before hiring one.

By following these tips, you can help reduce the cost of debris removal after a hurricane.

Additional Resources

Here are some additional resources that you may find helpful:

Electrical System Repair or Replacement

Progressive insurance typically covers the repair or replacement of your electrical system if it’s damaged by a hurricane. This includes the cost of labor and materials to fix or replace damaged wiring, electrical panels, and other electrical components. However, it’s important to note that coverage may vary depending on your specific policy and the cause of the damage.

What’s Covered Under Electrical System Coverage?

Progressive insurance typically covers the following electrical system components if they’re damaged by a hurricane:

Wiring
Electrical panels
Circuit breakers
Fuses
Switches
Outlets
Lighting fixtures
Surge protectors
Electrical appliances

Hurricane-Related Electrical Damage

Some common types of hurricane-related electrical damage that Progressive insurance typically covers include:

Wind damage: High winds can knock down power lines, which can cause power surges and damage electrical equipment.
Water damage: Floodwaters can damage electrical wiring and components.
Lightning strikes: Lightning can strike your home and cause electrical fires or damage electrical equipment.
Power surges: Power surges can occur when power is restored after a hurricane, which can damage electrical equipment.

Electrical System Coverage Limits

Progressive insurance typically provides coverage for electrical system repairs or replacements up to a certain limit. The limit may vary depending on your specific policy. It’s important to review your policy to determine your coverage limits.

Exclusions to Electrical System Coverage

Progressive insurance may not cover electrical system damage caused by the following:

Neglect or lack of maintenance
Wear and tear
Intentional acts
Acts of war
Nuclear incidents

Filing a Claim for Electrical System Damage

If your electrical system is damaged by a hurricane, it’s important to file a claim with Progressive insurance as soon as possible. You can file a claim online, by phone, or through the Progressive mobile app.

Steps to File a Claim

Contact Progressive insurance to report the damage.
Provide Progressive with a detailed description of the damage.
Submit photos or videos of the damage.
Provide Progressive with an estimate for the repairs.
Cooperate with Progressive’s investigation of the claim.

Tips for Preventing Electrical System Damage from Hurricanes

There are several things you can do to help prevent electrical system damage from hurricanes:

Install surge protectors on all of your electrical appliances.
Turn off your main electrical panel if a hurricane is approaching.
Unplug all of your electrical appliances before a hurricane hits.
Keep your electrical system in good repair.

Plumbing System Repair or Replacement

If your plumbing system is damaged by a hurricane, Progressive Insurance may cover the cost of repairs or replacement. Here is what you need to know about coverage for plumbing system repair or replacement:

Coverage for Plumbing System Damage

Progressive Insurance covers damage to your plumbing system if it is caused by a covered peril, such as a hurricane. Covered perils include:

* Wind
* Hail
* Lightning
* Flooding
* Fire
* Theft
* Vandalism

Types of Plumbing System Damage Covered

Progressive Insurance covers a wide range of plumbing system damage, including:

* Leaking pipes
* Burst pipes
* Clogged drains
* Broken toilets
* Damaged water heaters
* Damaged sewage lines

Repairs vs. Replacement

Progressive Insurance will cover the cost of repairs or replacement, depending on the extent of the damage. If the damage is minor, repairs may be sufficient. However, if the damage is severe, the plumbing system may need to be replaced.

Coverage Limits and Deductibles

The amount of coverage for plumbing system repair or replacement is subject to your policy limits. You will also be responsible for paying the deductible on your policy before coverage kicks in.

Filing a Claim for Plumbing System Damage

To file a claim for plumbing system damage, you should contact Progressive Insurance as soon as possible. You can file a claim online, by phone, or through the Progressive mobile app.

Hurricane Deductible

Progressive Insurance offers a hurricane deductible, which is a separate deductible that applies to claims for hurricane damage. The hurricane deductible is typically higher than the standard deductible on your policy.

Additional Coverage Options

In addition to coverage for plumbing system repair or replacement, Progressive Insurance offers a variety of other coverage options that can help you protect your home from hurricane damage, including:

* Windstorm coverage
* Hail coverage
* Flood coverage
* Fire coverage
* Theft coverage
* Vandalism coverage

Windstorm Coverage

Windstorm coverage protects your home from damage caused by high winds, including hurricanes. Windstorm coverage is typically included in homeowners insurance policies.

Hail Coverage

Hail coverage protects your home from damage caused by hail. Hail coverage is typically included in homeowners insurance policies.

Flood Coverage

Flood coverage protects your home from damage caused by flooding. Flood coverage is not typically included in homeowners insurance policies, but it can be purchased as an add-on.

Fire Coverage

Fire coverage protects your home from damage caused by fire. Fire coverage is typically included in homeowners insurance policies.

Theft Coverage

Theft coverage protects your home from damage caused by theft. Theft coverage is typically included in homeowners insurance policies.

Vandalism Coverage

Vandalism coverage protects your home from damage caused by vandalism. Vandalism coverage is typically included in homeowners insurance policies.

Additional Tips for Hurricane Protection

In addition to purchasing adequate insurance coverage, there are a number of other things you can do to protect your home from hurricane damage, including:

* Secure loose items around your home, such as patio furniture and grills.
* Bring in outdoor plants and decorations.
* Turn off your water and gas lines.
* Board up your windows.
* Evacuate your home if you are instructed to do so by local authorities.

Progressive Insurance Coverage for Hurricanes

Covered Damages

Progressive insurance provides coverage for hurricane-related damages, including:

Structural damage: Wind and hail damage to the exterior and interior of your home, including walls, roof, and windows.
Personal property damage: Damage to belongings inside your home, such as furniture, appliances, and electronics.
Additional living expenses: Costs incurred for temporary housing, meals, and other expenses if your home is uninhabitable.

Exclusions from Coverage

Progressive’s hurricane insurance coverage does not extend to:

Flooding: Flood damage is typically excluded from homeowners insurance policies, including Progressive’s.
Intentional damage: Damage caused intentionally or through negligence is not covered.
Wear and tear: Damage resulting from gradual deterioration or neglect is not covered.
Acts of war or terrorism: Damage caused by these events is typically excluded.

Coverage Gaps

While Progressive’s hurricane insurance policy offers comprehensive coverage, there may be some gaps in coverage:

Limited coverage for certain personal property: Some high-value items, such as jewelry, artwork, and collectibles, may have limited coverage or may require additional riders.
Insufficient coverage for additional living expenses: The coverage amount for additional living expenses may not be sufficient to cover all costs in the event of a prolonged displacement.
Deductible: There is a deductible that must be met before coverage takes effect. The deductible amount varies depending on the policy terms.
Hurricane deductibles: In certain areas prone to hurricanes, homeowners may be required to pay a separate deductible for hurricane-related damages.
Hurricane frequency limitations: Some policies may limit the number of claims that can be filed for hurricane-related damages within a certain time period.

Mitigation Measures to Reduce Coverage Gaps

To address potential coverage gaps, homeowners can consider the following mitigation measures:

Obtain flood insurance: Purchase a separate flood insurance policy to cover damages caused by flooding, which is not typically covered by homeowners insurance.
Schedule high-value items: Schedule valuable items with Progressive to ensure they are adequately covered.
Purchase additional living expenses coverage: Consider purchasing additional coverage to supplement the amount provided by Progressive’s homeowners policy.
Raise the deductible: Increasing the deductible can lower the premium, but may result in higher out-of-pocket costs in the event of a claim.
Install hurricane shutters or impact-resistant windows: These measures can help reduce the risk of damage during a hurricane, potentially lowering premiums.

Coverage Option	Description
Water backup coverage	This coverage protects your home from damage caused by water backing up from your drains or sump pump.
Sewer backup coverage	This coverage protects your home from damage caused by sewage backing up from your sewer line.
Flood insurance	This coverage protects your home from damage caused by flooding.

Deductible	Impact on Premium	Potential Savings
$500	Higher premium	Lower out-of-pocket costs in the event of a minor claim
$2,000	Lower premium	Higher out-of-pocket costs in the event of a minor claim

It is advisable to consult with a Progressive insurance agent to discuss specific coverage gaps and mitigation options. By understanding these limitations and taking appropriate steps to address them, homeowners can ensure they have adequate protection against hurricane-related damages.

Importance of Reading the Policy Carefully

When it comes to protecting your home and belongings from the devastating effects of a hurricane, having adequate insurance coverage is crucial. Progressive Insurance offers a range of coverage options to help you weather the storm, but it’s essential to understand the details of your policy to ensure you have the protection you need.

Check Your Coverage Limits

The coverage limits specified in your policy determine the maximum amount that Progressive will pay for damages. Make sure your limits are high enough to cover the full value of your home and personal property, including any expensive items like jewelry or electronics.

Understand Your Windstorm Deductible

Many hurricane insurance policies include a windstorm deductible, which is a specific amount you must pay out of pocket before Progressive starts covering damages. The deductible amount varies by policy, so it’s important to know what yours is and factor it into your financial planning.

Know Your Named Storm Deductible

Named storm deductibles apply to damages caused by specific hurricanes that are given official names by the National Weather Service. Named storm deductibles are typically higher than windstorm deductibles and may be applied even if the hurricane does not make landfall in your area.

Review Your Exclusions

Insurance policies typically have exclusions for certain types of damage, such as flooding caused by rising water or wind-driven rain. Make sure you understand any exclusions in your policy and consider purchasing additional coverage if necessary.

Consider Flood Insurance

Hurricane insurance policies do not cover flooding caused by rising water, so if your home is located in a flood-prone area, you may need to purchase additional flood insurance. Progressive offers flood insurance through the National Flood Insurance Program (NFIP).

Check for Replacement Cost Coverage

Replacement cost coverage pays to repair or replace damaged property with new materials of similar quality, even if the actual cash value of the damaged property is less. This coverage is especially important for newer homes or homes with valuable features.

Review Your Personal Property Coverage

Personal property coverage protects your belongings inside your home, such as furniture, clothing, and electronics. Make sure the coverage limits are adequate to cover the value of your belongings and consider adding riders for valuable items like jewelry or artwork.

Understand Inflation Protection

Inflation can erode the value of your coverage limits over time, so it’s important to review your policy regularly to ensure the limits are still sufficient. Progressive offers inflation protection riders that automatically adjust your coverage limits based on inflation.

Additional Coverage Options

Progressive offers a variety of additional coverage options to enhance your hurricane insurance protection, including:

Coverage Option	Description
Additional Living Expenses	Covers the additional costs of living away from home if your home is damaged
Temporary Repairs	Covers the cost of temporary repairs to make your home habitable
Debris Removal	Covers the cost of removing debris from your property
Mold Mitigation	Covers the cost of removing and mitigating mold damage

Understanding Endorsements and Riders

What are Endorsements and Riders?

Endorsements and riders are add-ons to your standard homeowners insurance policy that provide additional coverage for specific scenarios or situations. In the case of hurricane coverage, there are several endorsements and riders that can be added to your policy to enhance your protection.

Endorsements for Hurricane Coverage

Hurricane Deductible Waiver

A hurricane deductible waiver endorsement waives the deductible for hurricane-related damages. This means that you won’t have to pay any out-of-pocket expenses for covered damages caused by a hurricane.

Extended Replacement Cost

An extended replacement cost endorsement provides additional coverage for the rebuilding costs of your home if the actual cost exceeds the policy limits. This coverage is especially important in areas where rebuilding costs are high.

Additional Living Expenses

An additional living expenses endorsement covers the costs of temporary housing, meals, and other expenses incurred while your home is being repaired or rebuilt after a hurricane.

Contents Coverage

A contents coverage endorsement provides additional coverage for your personal belongings, such as furniture, electronics, and clothing, if they are damaged or lost due to a hurricane.

Riders for Hurricane Coverage

Windstorm Damage

A windstorm damage rider provides coverage for damage caused by high winds, including hurricanes, tornadoes, and hail. This coverage is essential in areas prone to strong winds.

Water Damage

A water damage rider provides coverage for damage caused by water, including flooding, burst pipes, and rainwater leaks. This coverage is important in areas at risk of flooding or other water-related disasters.

Mold Damage

A mold damage rider provides coverage for damage caused by mold, including mold spores and mold growth. This coverage is especially important in areas with high humidity or where there has been a history of water damage.

Loss Assessment

A loss assessment rider provides coverage for assessments levied by homeowners associations or other community organizations to cover the costs of hurricane damage.

Debris Removal

A debris removal rider provides coverage for the costs of removing debris from your property after a hurricane.

Additional Considerations

When considering hurricane endorsements and riders, it’s important to carefully review the policy language and understand the specific coverage provided. It’s also a good idea to consult with your insurance agent to determine which endorsements and riders are most appropriate for your needs and location.

The following table summarizes the key hurricane endorsements and riders offered by Progressive Insurance:

Endorsement/Rider	Coverage Provided
Hurricane Deductible Waiver	Waives the deductible for hurricane-related damages
Extended Replacement Cost	Provides additional coverage for rebuilding costs
Additional Living Expenses	Covers costs of temporary housing and other expenses incurred while your home is being repaired
Contents Coverage	Provides additional coverage for personal belongings damaged or lost due to a hurricane
Windstorm Damage	Provides coverage for damage caused by high winds, including hurricanes, tornadoes, and hail
Water Damage	Provides coverage for damage caused by water, including flooding, burst pipes, and rainwater leaks
Mold Damage	Provides coverage for damage caused by mold, including mold spores and mold growth
Loss Assessment	Provides coverage for assessments levied by homeowners associations or other community organizations
Debris Removal	Provides coverage for the costs of removing debris from your property after a hurricane

Emergency Contact Information for Hurricane Claims

1. Call Your Agent or Insurer First

This is the quickest way to report your claim and get the process started.
Have your policy number ready when you call.
Be prepared to provide details about the damage, including the location, extent, and photos if possible.

2. Contact Your Local Authorities

If your property has been damaged or destroyed, you should also contact your local authorities.
This will help to ensure that you have a record of the damage for insurance purposes and that you are taking the necessary steps to protect your property.

34. Disaster Recovery Assistance

Federal Emergency Management Agency (FEMA)
- Provides financial assistance, housing, and other support to individuals and communities affected by disasters.
  - Call: 1-800-621-3362
  - Website: www.fema.gov
- National Flood Insurance Program (NFIP)
  - Provides flood insurance to homeowners, renters, and businesses.
    - Call: 1-800-427-2419
    - Website: www.floodsmart.gov
Red Cross
- Provides food, shelter, and other assistance to disaster victims.
  - Call: 1-800-733-2767
  - Website: www.redcross.org
Salvation Army
- Provides food, shelter, and other assistance to disaster victims.
  - Call: 1-800-725-2769
  - Website: www.salvationarmyusa.org
United Way
- Provides financial assistance, counseling, and other support to disaster victims.
  - Call: 1-800-823-9602
  - Website: www.unitedway.org

4. Other Helpful Numbers

National Suicide Prevention Lifeline: 988
National Domestic Violence Hotline: 800-799-SAFE (7233)
Disaster Distress Helpline: 1-800-985-5990 (TTY: 1-800-846-8517)

5. Tips for Staying Safe After a Hurricane

Stay away from downed power lines and standing water.
Boil your water if you are unsure if it is safe to drink.
Use generators safely.
Check on your neighbors and loved ones.

Progressive’s Commitment to Hurricane Assistance

Preparation for Hurricane Season

Progressive’s hurricane preparedness measures include developing comprehensive policies, training adjusters, and establishing partnerships with disaster relief organizations. This ensures that customers have access to the necessary resources and support when a hurricane strikes.

Rapid Response After a Hurricane

In the aftermath of a hurricane, Progressive deploys teams of adjusters to affected areas within 24-48 hours. These adjusters work diligently to assess damages and process claims promptly, minimizing customer inconvenience and financial hardship.

Comprehensive Coverage Options

Progressive offers a range of comprehensive insurance options that protect customers against hurricane-related damages:

Dwelling coverage: Ensures the structure of the home, including walls, roof, and foundation.
Personal property coverage: Protects belongings inside the home, such as furniture, appliances, and electronics.
Additional living expenses coverage: Provides reimbursement for temporary accommodation and other costs incurred while the home is uninhabitable.

Customer Support and Education

Progressive places a high priority on customer support and education. The company provides customers with clear information about hurricane coverage, including deductibles and coverage limits, ensuring that they understand their policies and are well-informed in case of a hurricane.

Claims Handling

Reporting a Claim: Customers can report hurricane-related damages online, by phone, or through the Progressive mobile app.
Assessment and Documentation: Adjusters visit the property to inspect damages and gather documentation, including photographs and estimates.
Settlement and Payment: Once damages are assessed, Progressive settles claims and provides prompt payments to cover repair and replacement costs.

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Additional Benefits and Services

In addition to comprehensive coverage, Progressive provides a number of value-added benefits and services to assist customers during hurricane season:

Benefit/Service	Description
24/7 Claims Reporting	Customers can report claims anytime, day or night, through multiple channels.
Online Claims Management	Customers can track claim status and upload documentation online.
Mobile Adjuster App	Adjusters can use a mobile app to expedite claim handling and communication.
Emergency Home Repairs	Progressive can arrange for emergency home repairs to prevent further damage or protect the safety of occupants.

Hurricane Coverage for Non-Profit Organizations

Progressive offers hurricane coverage for non-profit organizations to help them protect their property and operations from the devastating effects of hurricanes. This coverage is available on a standalone basis or as part of a business owner’s policy.

Benefits of Hurricane Coverage for Non-Profit Organizations

Hurricane coverage provides non-profit organizations with a number of benefits, including:

* Financial protection from hurricane damage: Hurricane coverage can help non-profit organizations cover the costs of repairing or replacing damaged property, including buildings, equipment, and supplies.
* Business interruption coverage: Hurricane coverage can also help non-profit organizations cover the costs of lost income and other expenses incurred as a result of a hurricane.
* Peace of mind: Hurricane coverage can give non-profit organizations peace of mind knowing that they are financially protected in the event of a hurricane.

Eligibility for Hurricane Coverage

To be eligible for hurricane coverage, non-profit organizations must meet the following requirements:

* Be located in a hurricane-prone area
* Have a valid business license
* Have a good claims history

How to Obtain Hurricane Coverage

Non-profit organizations can obtain hurricane coverage by contacting a Progressive insurance agent. The agent will help the organization assess its risks and determine the amount of coverage needed.

Cost of Hurricane Coverage

The cost of hurricane coverage for non-profit organizations varies depending on a number of factors, including the organization’s location, size, and claims history.

Additional Resources for Non-Profit Organizations

In addition to hurricane coverage, Progressive offers a number of other resources to help non-profit organizations, including:

* Disaster preparedness planning: Progressive can help non-profit organizations develop a disaster preparedness plan to help them prepare for and respond to hurricanes.
* Claims assistance: Progressive can help non-profit organizations file claims and get the financial assistance they need after a hurricane.
* Educational materials: Progressive offers a variety of educational materials on hurricane preparedness and recovery.

Non-Profit Organizations Providing Hurricane Relief

In addition to providing hurricane coverage for non-profit organizations, Progressive also supports a number of non-profit organizations that provide hurricane relief. These organizations include:

* American Red Cross: The American Red Cross is a non-profit organization that provides disaster relief and other humanitarian services. After a hurricane, the Red Cross provides food, shelter, and supplies to victims.
* Salvation Army: The Salvation Army is a non-profit organization that provides a variety of services to people in need. After a hurricane, the Salvation Army provides food, shelter, and supplies to victims.
* United Way: United Way is a non-profit organization that supports a variety of health and human service programs. After a hurricane, United Way provides financial assistance to victims and helps to coordinate relief efforts.

Organization	Website	Contact Information
American Red Cross	www.redcross.org	1-800-RED-CROSS
Salvation Army	www.salvationarmyusa.org	1-800-SAL-ARMY
United Way	www.unitedway.org	1-800-FOR-UNITED

By supporting these organizations, Progressive helps to ensure that victims of hurricanes have access to the assistance they need.

Wind-Resistant Roofing

When it comes to hurricane preparedness, having a wind-resistant roof is crucial. Progressive Insurance offers coverage for wind-resistant roofing materials, such as metal, tile, and slate, which can withstand high winds and prevent damage to your home.

Progressive also offers discounts for homes with wind-resistant roofing. These discounts vary depending on the specific type of roofing material and the age of the roof.

Roofing Materials

The following roofing materials are considered wind-resistant by Progressive Insurance:

Metal
Tile
Slate
Certain types of asphalt shingles

Asphalt shingles can be wind-resistant if they are installed with proper nailing patterns and adhesive. Progressive will require documentation of proper installation to qualify for a discount.

42. Metal Roofing

Metal roofing is one of the most wind-resistant roofing materials available. It is made of galvanized steel or aluminum, which can withstand winds up to 120 mph. Metal roofing is also fire-resistant and can last for 50 years or more.

Progressive Insurance offers a discount of up to 25% for homes with metal roofs.

Insurance Coverage

Progressive Insurance offers the following coverage for wind-resistant roofing:

Replacement cost coverage
Actual cash value coverage
Agreed value coverage

Replacement cost coverage is the most comprehensive coverage available. It will pay to replace your roof with a new one of the same type and quality. Actual cash value coverage will pay the depreciated value of your roof at the time of the loss. Agreed value coverage is a type of coverage that is agreed upon between you and your insurance company before the loss occurs. It will pay the agreed-upon value of your roof, regardless of the actual cost of replacement.

Progressive also offers additional coverage for wind-resistant roofing, such as:

Wind mitigation credits
Hurricane deductibles

Wind mitigation credits are discounts that are available to homes that have certain wind-resistant features, such as wind-resistant roofing. Hurricane deductibles are higher deductibles that are applied to hurricane-related claims. They can help to lower your insurance premiums.

Discounts

Progressive Insurance offers the following discounts for wind-resistant roofing:

Discount	Eligibility
Up to 25%	Metal roofs
Up to 15%	Tile roofs
Up to 10%	Slate roofs
Up to 5%	Asphalt shingles with proper installation

Hurricane Season Awareness

Hurricane Season: What You Need to Know

The Atlantic hurricane season officially runs from June 1st to November 30th, with peak activity occurring in August and September. During this time, it’s essential to be aware of the risks and take necessary precautions to protect yourself and your property.

49 Facts About Hurricane Season

Fact	Impact
Hurricanes can produce winds of up to 157 mph or higher.	Devastating damage to buildings, infrastructure, and vegetation.
Storm surges, a wall of water driven by wind, are often the most dangerous aspect of hurricanes.	Can inundate coastal areas, causing extensive flooding and property destruction.
In the United States, hurricanes have caused an average of over $20 billion in damage per year over the past decade.	Significant economic losses and disruptions to businesses and communities.
Flooding is the leading cause of death during hurricanes.	Fast-moving water can sweep away vehicles, people, and buildings.
Hurricanes can also cause power outages, loss of communication, and disruptions to water and gas supplies.	Can pose significant challenges for emergency response and recovery efforts.
The National Hurricane Center (NHC) issues hurricane watches and warnings to alert residents of potential threats.	Provides crucial lead time for evacuations and other safety measures.
Evacuating to a safe location is the best way to protect yourself from a hurricane.	Follow official evacuation orders and seek shelter in designated evacuation centers or alternative safe locations.
Stay informed about weather forecasts and hurricane warnings through local news, radio, and TV.	Up-to-date information is essential for making informed decisions and taking timely actions.
Secure your home by boarding up windows, securing loose objects, and cleaning out gutters.	Prevent damage to your property and minimize potential hazards.
Prepare an emergency kit with essential supplies such as water, food, batteries, a radio, and a first aid kit.	Provides resources to sustain you and your family during a hurricane.
Consider purchasing hurricane insurance to protect your property and belongings from financial losses.	Provides peace of mind and financial assistance in the event of hurricane damage.
The Red Cross and other disaster relief organizations provide assistance to those affected by hurricanes.	Support services include shelter, food, water, and medical care.
Hurricane Preparedness Week is held in May each year to raise awareness and encourage preparedness measures.	Reminds residents to take proactive steps to protect themselves and their communities.
Hurricanes are a natural part of the Earth’s weather system, but their impact can be mitigated by responsible preparedness.	By understanding the risks and taking appropriate actions, we can reduce the potential for damage and loss of life.

Progressive Insurance Coverage for Hurricanes: A Comprehensive Guide

Progressive Insurance offers a range of coverage options to protect your property from hurricane damage. This coverage can be customized to your specific needs and budget, ensuring that you have the financial resources to recover from a devastating storm.

Progressive’s hurricane coverage includes:

Dwelling coverage: Protects your home from damage caused by wind, rain, hail, and other hurricane-related perils.
Other structures coverage: Protects detached structures on your property, such as garages, sheds, and fences.
Personal property coverage: Protects your belongings from damage or loss due to a hurricane.
Loss of use coverage: Provides reimbursement for additional living expenses if you are unable to live in your home due to hurricane damage.