Hail damage called cosmetic
Some policies limit or exclude cosmetic hail damage to metal roofs or siding. Whether a dent affects function, such as water-shedding or seal integrity, is often the real question.
ProgressiveClaim guide · independent
Texas and Colorado public adjusters · Progressive claims
Progressive denied or underpaid your claim?
Progressive denied your home claim or paid less than the repair costs? Many people know Progressive for auto coverage, and the homeowners policy often comes bundled with it. We review Texas and Colorado property claims for free: the decision, the policy and the damage.
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- Texas public adjuster license 3475757
- Colorado public adjuster license 940240
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Progressive home insurance (ASI companies, including ASI Lloyds). Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
About Progressive
Progressive’s homeowners policies are written through its ASI (American Strategic Insurance) companies. In Texas, the largest of these by homeowners premium is ASI Lloyds. Progressive agreed to buy a controlling interest in ASI in 2014 and acquired the rest of ASI on April 1, 2020, according to the Florida Office of Insurance Regulation’s examination report.
Progressive is the 9th-largest homeowners insurance group in Texas and ranks 10th in Colorado by 2024 homeowners premium, according to the data below.
Why Progressive claims get denied or underpaid
Common reasons Texas and Colorado homeowners report for denied or reduced claims, with any carrier (general patterns, not Progressive’s internal policy):
Wind/hail deductible
Texas and Colorado policies often carry a separate percentage deductible for wind and hail. Missed slopes, gutters, vents and siding can push a real loss below it on paper.
Water damage limited to one room
Water travels under flooring and into walls. Moisture mapping can show the true extent.
Wear and tear vs. storm damage
Older roofs are often blamed on age. Dated storm reports, photos and a close inspection can separate storm damage from wear.
Wildfire smoke and ash (CO)
Smoke and soot can infiltrate HVAC systems, insulation and contents even when a home didn’t burn. Testing and cleaning protocols help support the claim.
Tip: Check which company is on your declarations page
A bundled Progressive policy may be written by an ASI company or another insurer. The company named on your declarations page is the one your claim, deadlines and complaint rights run through.
What to do after a Progressive denial or low offer
In Texas
- 1
Get the decision and the reasons in writing
A Texas insurer must accept or reject a claim in writing within 15 business days after it receives everything it asked for, or within 45 days if it notifies you why it needs more time. A rejection must state the reasons (Tex. Ins. Code § 542.056).
- 2
Know the other prompt-payment deadlines
Acknowledgment and information requests within 15 days of notice (§ 542.055); payment within 5 business days after the insurer says it will pay (§ 542.057). After a commissioner-declared weather catastrophe, deadlines get 15 more days (§ 542.059).
- 3
Read the exact policy language cited
Find the exclusion or condition the letter relies on, plus your deductibles (often a percentage for wind and hail) and any cosmetic-damage or roof endorsements.
- 4
Use the policy’s appraisal clause
Appraisal is for disputes about the amount of the loss, not coverage. Each side hires an appraiser, and an umpire decides differences; TDI describes the umpire’s decision as binding.
- 5
Mind the complaint and pre-suit steps
You can complain to TDI in writing. According to TDI, if the damage was caused by a disaster, you must notify the insurer in writing at least 61 days before suing. Coastal wind claims under TWIA have a 1-year filing deadline.
More on Texas claims: Texas public adjusters
In Colorado
- 1
Request your policy right away
A Colorado homeowner’s insurer must make a copy of your policy, with declarations and endorsements, available within 3 business days after you ask, and a certified copy within 30 calendar days after a written request to its registered agent (C.R.S. § 10-4-110.8(10)).
- 2
Get the decision and the reasons in writing
Ask for the specific policy provision the denial or reduction relies on, the adjuster’s estimate and any reports. Colorado law prohibits unreasonable delay or denial of covered benefits (C.R.S. § 10-3-1115); whether that applies is a legal question for an attorney.
- 3
Know your contents and ALE rights
After a total loss of a furnished primary home’s contents, insurers must offer at least 30% of the contents limit without an inventory and allow at least 365 days to submit one. Replacement-cost dwelling policies must include at least 12 months of ALE (C.R.S. § 10-4-110.8(6), (11)).
- 4
Use the policy’s appraisal clause
If the disagreement is about the amount of loss, the appraisal clause may resolve it without court. Read its exact steps and deadlines.
- 5
Don’t rely on a shortened suit deadline
A Colorado homeowner’s policy can’t require you to sue within a shorter time than the statute of limitations (C.R.S. § 10-4-110.8(12)). Ask a Colorado-licensed attorney about legal deadlines.
More on Colorado claims: Colorado public adjusters
Real results
Claims we’ve handled in Texas and Colorado
Real claims our clients authorized us to share, with their exact numbers. Our case records don’t name the insurance company, so these are not presented as Progressive claims.
HailInitial payment $967.33$125,000final recoveryLauraDallas, TexasRead the case →Plumbing leakInitial payment $4,294.32$78,000final recoveryLouisaColorado Springs, ColoradoRead the case →CommercialInitial payment $40,382.43$450,000final recoveryJoe & LuisHouston, TexasRead the case →
Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
Progressive claim FAQ
My home policy came bundled with my Progressive auto policy. Who handles the claim?
The insurer named on your homeowners declarations page handles the claim. Keep the claim number, the adjuster’s name and every letter, and ask for the estimate in writing.
Can my Colorado policy shorten the time I have to sue?
Under C.R.S. § 10-4-110.8(12), a Colorado homeowner’s policy can’t require you to sue within a shorter period than the applicable statute of limitations. For legal deadlines, talk with a Colorado-licensed attorney.
How long does a Texas insurer have to accept or reject my claim?
Under the Texas Prompt Payment of Claims Act, an insurer generally must acknowledge a claim within 15 days (Tex. Ins. Code § 542.055) and accept or reject it in writing within 15 business days after receiving everything it asked for, or up to 45 days if it tells you why it needs more time (§ 542.056). Once it agrees to pay, payment is due within 5 business days (§ 542.057). After a weather catastrophe declared by the commissioner, these deadlines get 15 more days (§ 542.059).
How do I get a copy of my policy in Colorado?
Ask your insurer. Under C.R.S. § 10-4-110.8(10), a homeowner’s insurer must make a copy of your policy, including the declarations page and endorsements, available within 3 business days after you request it, and a certified copy within 30 calendar days after a written request to its registered agent.
Can you guarantee the insurer will change its decision?
No. No one can honestly guarantee an outcome. We review the file, tell you what we see, and represent you if it makes sense to work together. Every claim is different, and prior results do not guarantee a similar outcome.
What does the review cost?
The claim review is free, and asking questions doesn’t hire us. If it makes sense to work together, the fee and services are explained in a written agreement before you sign.
General information, not legal advice. Policies and state laws differ, and laws change.
Sources
- Insurance Journal, “Progressive Insurance Acquiring Homeowners Group ASI for $875M” (Dec. 16, 2014)
- Florida OIR, Report on Examination of ASI Home Insurance Corp., St. Petersburg, Florida (as of Dec. 31, 2022)
- Texas Department of Insurance, Texas homeowners insurance market overview: insurance groups with the highest market share, 2024 direct written premium
- Texas Department of Insurance, Top 40 list of insurers in Texas: Homeowners (company level)
- R Street Institute, “Colorado Homeowners’ Insurance: On the Right Path” (July 16, 2025), table of top 10 Colorado homeowners insurers by 2024 direct premium written, source S&P Capital IQ Pro
- Florida Office of Insurance Regulation, Quarterly Market Intelligence Report: Statewide Commercial and Personal Summary by Company, Q2 2026 (policies in force as of June 30, 2026; data pulled Aug. 11, 2026)
- Texas Insurance Code, Chapter 542, Subchapter B (Prompt Payment of Claims), §§ 542.055–542.060
- Texas Department of Insurance, Home insurance guide (claims deadlines, appraisal, complaints; updated June 1, 2026)
- C.R.S. § 10-4-110.8 (Colorado homeowner’s insurance: required practices, policy copies, contents, suit limitations), as amended by HB 25-1322
- C.R.S. § 10-3-1115 (Colorado: improper denial or delay of claims)
Sources checked September 27, 2026.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Progressive home insurance (ASI companies, including ASI Lloyds). Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
American Financial Claims is a licensed public adjusting firm, not a law firm. We do not provide legal advice. Office: Brickell Arch, 1395 Brickell Ave, Suite 800, Miami, FL 33131. Every insurance claim is different, and prior results do not guarantee a similar outcome.