PROGRESSIVE CLAIMS · VANCOUVER WA + PORTLAND OR

TIK Construction works directly with Progressive.

We handle Progressive Home property claims across Clark County and the Portland metro area. Progressive partners with several home insurance underwriters, and our documentation approach aligns with the underlying carrier's process.

Call Now: (360) 938-4601 Or send us your claim info →

How TIK handles Progressive claims

Progressive Home policies are typically underwritten by partner carriers (e.g., American Strategic Insurance, Homesite, Plymouth Rock). The actual claim process follows the underwriting carrier's workflow, not Progressive's auto-claim workflow.

When you call, tell us the underwriting carrier on your declarations page. That tells us which adjuster network and pricing database the claim will use.

Progressive Home claims typically use Xactimate scope and pricing. We write scopes in Xactimate format.

Progressive's auto-side reputation for fast service doesn't always translate directly to home claims because home claims go through different partners. We submit complete documentation immediately to keep approval timelines as short as possible.

What Progressive typically covers

Coverage varies by policy and endorsements. The patterns below are typical for standard Progressive homeowner policies; your policy may differ. We document the actual coverage during your claim.

Sudden and accidental water damage: typically covered.
Fire and smoke damage: core covered peril.
Mold from a covered cause: covered up to policy mold limits.
Sewage backup: requires the water-backup endorsement.
Storm damage: wind, hail, falling objects covered.

Claim process

How a Progressive claim works at TIK

01

We arrive on-site within 60 minutes

Day or night. The lead tech assesses the damage, identifies the source, and starts emergency mitigation. Documentation begins immediately.
02

Damage documented to carrier standards

Photos, moisture readings, scope notes, equipment logs. Documentation is built to Progressive's requirements from day one.
03

Claim submitted within 24 hours

We submit our documentation directly to your assigned adjuster. The faster the carrier has documentation, the faster approval comes.
04

Adjuster reviews and approves

Progressive reviews the scope. Most documented claims approve without revision. We respond to any reservations or supplements with line-item evidence.
05

We perform the work

Mitigation, drying, demolition, reconstruction. One crew, one timeline. No second contractor.
06

Direct billing closes the claim

Progressive pays us directly for the approved scope. You pay only your deductible. Final documentation submitted, claim closed.

Services we handle on Progressive claims

All major restoration categories — from emergency mitigation through finished reconstruction.

Progressive FAQs

Is Progressive Home different from Progressive Auto?

Yes. Progressive Auto is underwritten by Progressive directly. Progressive Home is typically underwritten by partner carriers (American Strategic Insurance, Homesite, Plymouth Rock, and others depending on your state). The home claim process follows the partner carrier's workflow.

Do I have to use a Progressive-preferred contractor?

No. You have the right to choose any licensed, qualified contractor. TIK meets the documentation standards of all Progressive Home underwriting partners.

Will Progressive pay TIK directly?

Yes — direct billing is standard. The actual payment comes from the underwriting carrier (per your declarations page) but the workflow is the same: approved scope, direct payment, you pay only your deductible.

How long does a Progressive Home claim take to approve?

Approval timeline depends on the underwriting carrier. Most documented straightforward claims approve within 5–10 business days.