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Old 05-30-2016, 08:03 AM   #1
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Progressive Insurance Adjuster Coming To Inspect Damage

I recently had damage to the roof of my motorhome while in TX from a hailstorm. The Progressive Insurance Adjuster is coming in two days. My question is, what can I expect?

Will he give me a number then? Will he tell me where to take it for repair? If I chose a place to repair the damage and they are more expensive than the estimate will they pay the difference?. Lastly, how can I protect my best interest?
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Old 05-30-2016, 08:54 AM   #2
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An he works for them. If you don't fee you are getting a fair settlement, you can often hire a public adjuster who works for you on commission. Often they know how to get you the best settlement from what your contract legitimately owes you for your loss.


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Old 05-30-2016, 09:12 AM   #3
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Don't now about Progressive specifically, but typically the 'adjuster' is a local specialist who works on contract, rather than a Progressive employee (except in major metro areas). He may not be the actual "adjuster" either; rather he may just write an estimate and submit it to the real claims adjuster back at some Progressive office elsewhere. He may write the estimate on the spot, or may mail or email it later. He probably will not refer you to a local shop, but he (or the actual adjuster back in the office) may have a list of places if you ask. Most major insurers have lists like that, some of whom may be "preferred", meaning they work closely with the insurer. The ultimate choice of repair shop is yours, but the insurance estimate is what it is.

Will they pay above the estimate? No, but the estimate is subject to re-negotiation between the shop and the insurer based on the actual damages found (as opposed to guestimated up front). And. to a lesser extent, between you and the insurer if you feel the proposed repair is inadequate.

Whether you get an actual employee or an independent appraiser depends largely on where you are. Insurers don't have employees everywhere, so they often use contract appraisers to get damage estimates done. Then the office staff reviews [and [maybe alters] and approves it.
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Old 05-30-2016, 11:30 AM   #4
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I have Progressive and had a claim when another RVer poked a hole through the side on our MH. They sent an adjuster promptly who measured the damage, took pictures and worked up the claim numbers. They gave me the choice of a check on the spot or they would work with the shop doing the work. They asked me where I wanted to take it, I told them. They called the shop made an appointment and emailed the paperwork to the shop. All I had to do was drive the rig to the shop. Was an easy process.

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Old 05-30-2016, 12:28 PM   #5
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Good to know. Thanks for everyone's input. I just dropped my car (Toad) off at he shop and they are working on it now. Wish I knew about the independent appraiser because I felt the car should have been totaled. Since it is less than 6 mos old I figure the insurance company would do it's best to get out of paying for a new one (replacement policy).

The Winnebago fiberglass roof took a beating but just has spider cracks. The awnings were trashed and I had them in! The vents were destroyed. I am glad that the roof held up so well.
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Old 05-30-2016, 12:52 PM   #6
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I had a 2004 HR had hail damage aluminum roof and bay doors on one side $30,000 damage. Yours being a one piece fiberglass I would expect big numbers also.
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Old 05-30-2016, 01:05 PM   #7
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Quote:
Originally Posted by daydream37 View Post
I recently had damage to the roof of my motorhome while in TX from a hailstorm. The Progressive Insurance Adjuster is coming in two days. My question is, what can I expect?

Will he give me a number then? Will he tell me where to take it for repair? If I chose a place to repair the damage and they are more expensive than the estimate will they pay the difference?. Lastly, how can I protect my best interest?
Try this: I had $19,000 damage to the MH from a hail storm of larger than golf ball size in Hot Springs Arkansas. I have Progressive. I had absolutely no problem with the adjuster or Progressive. What typically happens is that the repair facility may find more damage than the adjuster can see when they start fixing things. The repair facility will submit supplemental claims on your behalf. You will be getting follow up calls from a Progressive representative making sure you are happy with the repairs. If something takes a long time to order you will get calls from Progressive representative handling your claim on a periodic basis to see how things are going.

Progressive has been fantastic for me in my situations.
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Old 05-30-2016, 01:32 PM   #8
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I had Progressive in the past and had a claim with them. They were great! Easy to work with and took great care of me.
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Old 05-30-2016, 01:33 PM   #9
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I clipped a tree with my awning on a San Antonio street. Pulled the front bracket of the awning out of the roof. Progressive adjuster came to my house and left me with an estimate for a new roof. He told me just to take it where I want to and let them know the name of the shop I take it to.

The shop met the estimate and I just paid the deductible. Very easy.
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Old 05-30-2016, 03:35 PM   #10
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11 Bounder accident Nov 14. 275 miles from home. Progressive was really good to us. Other person had Progressive also which may have complicated things. $1000 Ded. Progressive only made us pay 500. Told us best place to get $2600 damage fixed. After 9 months got a check for $1000. Made $500!
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Old 05-30-2016, 04:01 PM   #11
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Just had to deal with this situation on my motorhome.
Your insurance adjuster estimate will probably would be be a lot less then the shop. Do not need to even discuss the difference. Tell them you want them to pay the shop directly. Legally, you can take it to any shop you want. Let the shop and the insurance company work out the details. You should not even be in the discussion about the final cost except to be copied on any correspondence. When done pay your deductible, pick up your motorhome and be on your way.
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Old 05-30-2016, 05:29 PM   #12
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Good stuff, thanks. My local collision shop that works on Motorhomes is just so-so. I was wondering if anyone had roof work done by Lazydays in Seffner, Florida? Thinking of bringing it there.
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Old 05-30-2016, 05:37 PM   #13
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Just had to deal with this situation on my motorhome.
Your insurance adjuster estimate will probably would be be a lot less then the shop. Do not need to even discuss the difference. Tell them you want them to pay the shop directly. Legally, you can take it to any shop you want. Let the shop and the insurance company work out the details. You should not even be in the discussion about the final cost except to be copied on any correspondence. When done pay your deductible, pick up your motorhome and be on your way.
Yep. Not RV, but auto damage, when I called they said get it fixed and send them the bill. When I asked not knowing any better where to take it, they said its your car so take it where you feel comfortable. They paid and nothing said.
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Old 05-31-2016, 01:18 AM   #14
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I had a claim through Progressive last year on my Class A; Lazy Days in Seffner did the work. The whole process was mostly painless on my part and I thought the representative from Progressive did a great job. There were delays in the repair process at Lazy Days though, a lot of it was obtaining parts from the manufacturer. Shipping of the larger parts was also another snag. Bottom line is that you will receive an "estimated completion date", but be prepared for complications. Progressive was great to work with, Lazy Days did a great job on the repairs. YMMV...
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