Progressive Home Policyholders — SE Michigan

Progressive Home Insurance Storm Damage Claim in Michigan

Phase III Construction works alongside Michigan homeowners covered by Progressive Home (formerly ASI / American Strategic Insurance) to document storm and hail damage, interpret Xactimate estimates, and guide you through the claims process — at no out-of-pocket cost beyond your deductible.

Call (734) 237-7322 Contact Us Online
33 Years
Experience
1,000+
Claims Handled
$10M+
in Approved Claims
A+
BBB Rating

How a Progressive Home Claim Works in Michigan

01
File Your Claim

File online at progressive.com/claims, via the Progressive app (iOS/Android), or call 1-800-776-4737. You'll receive a claim number and be assigned an adjuster.

02
Adjuster Inspection

A Progressive Home adjuster or third-party inspector will schedule a property inspection to assess the damage and document findings.

03
Xactimate Estimate

Progressive Home uses Xactimate software to generate your repair estimate. This industry-standard tool prices repairs line by line — understanding it matters.

04
Initial Payment (ACV)

Progressive Home typically issues an initial payment based on Actual Cash Value (ACV) — the replacement cost minus depreciation. This is often not the full amount you're owed.

05
Contractor Work & Supplement

Your licensed contractor completes repairs and may submit a supplement to Progressive Home if additional damage is found or if the Xactimate estimate is insufficient.

06
Recoverable Depreciation Released

Once repairs are complete, you can request release of the recoverable depreciation (RCV - ACV), receiving the remaining funds owed under your policy.

What Is Xactimate — and Why Does It Matter for Your Progressive Claim?

Progressive Home uses Xactimate, the industry-standard estimating platform, to calculate repair costs on storm and hail damage claims. While Xactimate ensures consistency, it can undervalue repairs when:

  • Line items are missed or scope is incomplete
  • Local labor and material costs differ from database defaults
  • Code upgrade requirements aren't captured (O&P, permits, code items)
  • Overhead and profit (O&P) is excluded for work that legitimately requires a general contractor

What Phase III Does

  • Conduct a thorough, independent damage inspection
  • Compare your Progressive Home Xactimate estimate line by line
  • Identify missed items, under-scoped repairs, or pricing discrepancies
  • Submit a documented supplement to Progressive Home on your behalf
  • Communicate directly with your adjuster to resolve differences

Common Storm & Hail Damage We Document for Progressive Home Claims

Roof Damage

Missing, cracked, or bruised shingles from hail impact; granule loss reducing shingle lifespan; ridge cap and flashing damage.

Gutters & Downspouts

Dented, bent, or detached gutters; hail strikes leave visible indentations; compromised drainage increases interior risk.

Siding & Trim

Vinyl, aluminum, or wood siding with hail strikes, cracks, or punctures; trim separation; paint failure from wind-driven debris.

Windows & Screens

Cracked glass, damaged frames, torn or dented window screens; seal failure leading to fogging or energy loss.

HVAC & Mechanicals

Hail impact on AC condenser fins, damaged outdoor units; reduced efficiency and performance after severe storms.

Structural & Interior

Water intrusion from compromised roof or siding; attic insulation damage; ceiling and drywall moisture from delayed repairs.

Michigan Homeowner Rights in a Progressive Home Claim

Right to Choose Your Contractor

Michigan law and your Progressive Home policy cannot require you to use a specific contractor. You have the right to select any licensed contractor you trust.

Right to a Full and Fair Settlement

Progressive Home must pay what your policy covers. If their initial estimate is insufficient, you can dispute it through supplementing, appraisal, or other policy mechanisms.

Right to Recoverable Depreciation

If you have replacement cost value (RCV) coverage, you are entitled to the withheld depreciation once repairs are completed and documented.

ACV vs. RCV — Understanding Your Progressive Home Coverage

Actual Cash Value (ACV)

What It Pays
Replacement cost minus depreciation
When Paid
Initial payment after claim approval
Key Point
Older roofs and materials may have significant depreciation withheld
Example
A 15-year-old roof may receive substantially less than full replacement cost

Replacement Cost Value (RCV)

What It Pays
Full cost to repair or replace with like materials
When Paid
ACV upfront; depreciation released after work is completed
Key Point
Most Progressive Home policies in Michigan offer RCV coverage — verify your policy
Example
You receive the remaining depreciation once Phase III completes documented repairs

Not sure what coverage you have? Call Phase III at (734) 237-7322 — we can help you review your Progressive Home declarations page.

File Your Claim with Progressive Home

Claims Phone 1-800-776-4737
Claims Website progressive.com/claims
Progressive App Available on iOS and Android

Phase III can help document your damage and navigate the Progressive claims process — call (734) 237-7322

Frequently Asked Questions — Progressive Home Claims in Michigan

You can file online at progressive.com/claims, through the Progressive app on iOS or Android, or by calling 1-800-776-4737. After filing, you'll receive a claim number and be assigned an adjuster who will contact you to schedule a property inspection.
Progressive Home policies in Michigan typically cover sudden and accidental damage from hail, including roof damage. Coverage specifics depend on your policy terms, your deductible amount, and whether you carry ACV or RCV coverage. Phase III can help you understand what your policy should cover.
Progressive ASI refers to American Strategic Insurance, which Progressive acquired and rebranded as Progressive Home. If your homeowners policy was issued through Progressive or ASI, it is now administered under the Progressive Home brand. The claims process and contact information are the same.
Xactimate is the estimating software Progressive Home uses to calculate repair costs. It prices repairs line by line using a database of material and labor costs. While it's industry-standard, estimates can sometimes be incomplete or priced below actual local costs. Phase III reviews these estimates and can submit a supplement if warranted.
If you have Replacement Cost Value (RCV) coverage, Progressive Home withholds a portion of your claim payment called depreciation. Once your repairs are completed by a licensed contractor, you can request the release of this withheld amount — called recoverable depreciation — to cover the remaining balance.
Yes. Michigan homeowners have the right to select their own licensed contractor regardless of what Progressive Home suggests. You are not required to use a preferred vendor or network contractor. Phase III is a licensed Michigan builder (License #262000615) experienced in working directly with Progressive Home.
If Phase III's inspection reveals damage or costs not reflected in Progressive Home's Xactimate estimate, we prepare and submit a supplement — a documented request for additional payment. Supplements are common and are a standard part of the claims process when the initial estimate is insufficient.
Timelines vary based on claim volume, severity, and adjuster scheduling. After filing, an inspection is typically scheduled within days to a few weeks. Payment processing follows the inspection and estimate review. Supplementing, if needed, adds additional time. Phase III helps keep the process moving by staying in communication with your adjuster.
Phase III's work is compensated through the approved insurance claim — you pay your deductible and your policy covers the rest. There is no separate fee for our inspection, documentation, or supplement work. We recommend calling us before accepting any settlement.
Phase III serves homeowners throughout Southeast Michigan including Westland, Detroit, Dearborn, Ann Arbor, Livonia, Canton, Wayne, Romulus, Ypsilanti, Taylor, Garden City, Inkster, Southgate, Wyandotte, Trenton, Flat Rock, Monroe, Plymouth, Northville, Novi, Farmington Hills, Sterling Heights, Warren, and surrounding communities.

Storm or Hail Damage? Let Phase III Review Your Progressive Home Claim.

Michigan homeowners trust Phase III Construction to document damage accurately and protect their insurance claim. No upfront cost. Licensed. A+ BBB.

Call (734) 237-7322 Contact Us Online

Serving Progressive Home Policyholders Throughout Southeast Michigan

Westland Detroit Dearborn Ann Arbor Livonia Canton Wayne Romulus Ypsilanti Taylor Garden City Inkster Southgate Wyandotte Trenton Flat Rock Monroe Plymouth Northville Novi Farmington Hills Sterling Heights Warren Lincoln Park