Filing a hail claim with Progressive
Filing a Progressive hail damage claim — the complete guide
We coordinate Progressive hail repairs out of our Olathe shop every week. Second-largest carrier in the KC market. If your car was hit by hail, here's exactly how to file your claim and get your vehicle repaired — step by step.
What Kansas City drivers should know about Progressive hail claims.
Strong presence across Johnson County and the MO side. Heavy reliance on Snapshot and app-based photo estimates, which means initial estimates are especially prone to underestimate dent count.
Filing tip: File via the Progressive website or app. You'll likely be routed to photo estimate first. Submit wide shots of each panel plus close-ups of visible dents.
Our experience with Progressive: Progressive can be slower than State Farm on supplement approval (2–4 business days). Their estimators frequently undercount; a well-documented CCC ONE supplement from us typically gets full approval after one round of follow-up. We coordinate Progressive claims from our Olathe shop weekly — this is not our first time navigating their process.
Step 1
Before you call, gather these four things.
Having these ready cuts the call time in half. It also prevents having to call back for missing information.
- 1
Policy number
Find it in the Progressive app, on your insurance card, or on your declarations page. State it as the first thing when you reach a rep.
- 2
VIN
Lower-left corner of your windshield (visible from outside), or the driver-side door jamb sticker. 17 characters.
- 3
Date of the storm
Even an approximate date is fine — "around [month], [year]." The carrier's weather data confirms it.
- 4
Photos of the damage
Take them in direct sunlight. One overview photo per panel (hood, roof, trunk, each door), plus close-ups of the worst dents. If you can see the dents in the photo, that's enough.
Step 2
Three ways to file with Progressive.
Fastest · Phone
Available 24/7 for new claims
- 1.Say "Auto claim" at the prompt
- 2.Then "New claim"
- 3.State storm date and vehicle
- 4.When asked for shop: "Hail Solutions in Olathe, Kansas"
Say this:
Hello, I need to file a comprehensive claim. I have hail damage to my [year/make/model] from the storm on [date]. I'd like to use Hail Solutions in Olathe, Kansas as my repair facility.
Option B · Progressive app
File in the app
- 1.Open the Progressive app
- 2.Tap Claims → File a Claim
- 3.Select Hail / Weather Damage
- 4.Upload photos of each panel
- 5.When asked for shop: Hail Solutions, Olathe KS
Option C · Zero effort
Let us walk you through it
Call us at (816) 451-1455 and we'll walk you through filing step by step — what to say, what to have ready — then coordinate the repair once you have your claim number.
Call the shop →Already have a claim number? Skip to the handoff form below →
Step 3
Three things to ask for before you hang up.
Most reps cover these automatically, but ask explicitly. Making sure they're on the file prevents surprises later.
Rental car coverage activation
If you have rental reimbursement on your Progressive policy, ask them to activate it now. Confirm the daily limit and maximum days covered. If you're unsure whether you have it, ask them to check. How rental coverage works →
Shop-of-choice confirmation
Say explicitly: "I'm choosing Hail Solutions in Olathe, Kansas as my repair facility." Ask them to note it on the claim. Progressive can suggest their Progressive Network Repair Shops, but they cannot require you to use it. Your anti-steering rights →
Supplement process explanation
Ask: "If the repair facility finds additional damage during inspection, how does the supplement process work?" The honest answer: they review a revised CCC ONE estimate. We coordinate this directly with Progressive as part of the repair — you're never the middleman. How supplements work →
Before you sign anything
Four things to never do on a hail claim.
These four mistakes cost KC drivers money every storm season. Avoid all of them and your claim stays on track.
Don't accept the first estimate as final
LED line board inspection reveals dents that phone cameras and visual inspections completely miss. The first estimate — especially a photo-based one — is almost always 20–40% below actual damage. It is not a cap. We submit supplements and get additional damage approved.
Don't let them assign your shop
Progressive can suggest their Progressive Network Repair Shops locations. You can listen and then politely decline. "I'll be using Hail Solutions in Olathe" is the full sentence required. No explanation needed.
Don't accept total loss without a second opinion
Kansas requires 75% damage-to-value; Missouri requires 80%. These thresholds are often miscalculated on hail claims. We've documented vehicles flagged as totaled that we repaired well under the threshold. Call us before you sign a total loss settlement.
Don't wait more than 30 days to file
Progressive procedures reference "prompt reporting." After 30 days, adjusters begin questioning whether storm damage is recent. File now to get your claim number — you can choose your repair date later.
You're done. We take it from here.
Filed your Progressive claim? Hand it to us.
Once you have a claim number, we take over the repair completely. Fill in the form and we coordinate the LED inspection, prepare supplement documentation, arrange pick-up, complete the repair, and deliver the vehicle back to your driveway. Most Progressive customers pay nothing out of pocket.
- We schedule the adjuster inspection
- We prepare all supplement documentation
- Free pick-up and delivery
- Lifetime warranty on repairs
- Deductible assistance available
Give us your claim number
We'll confirm receipt within two hours during business hours.
Progressive · FAQ
Common Progressive hail claim questions.
-
Will filing a hail claim raise my Progressive rates?
Progressive categorizes hail under comprehensive, which is a no-fault coverage. Comprehensive claims don't affect Snapshot-based discounts. In Missouri and Kansas, hail claims generally do not trigger rate surcharges at renewal.
-
How long does the Progressive hail claim process take?
Claim number same day or next business day. App-based photo estimates return within 24–48 hours. Supplement review typically 2–4 business days.
Once we have your claim number, we coordinate the inspection, prepare supplement documentation, and schedule the repair. Most customers have their vehicle in the shop within 1–2 weeks of filing.
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Does Progressive require multiple repair estimates?
No. No insurer in Missouri or Kansas can legally require multiple estimates. You have the right to choose one licensed repair shop. If an adjuster suggests you need a second estimate, that's steering — and it's prohibited. Your rights explained →
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What if Progressive's estimate is lower than the real damage?
That's exactly what supplements are for — and we prepare the documentation entirely. Progressive can be slower than State Farm on supplement approval (2–4 business days). Their estimators frequently undercount; a well-documented CCC ONE supplement from us typically gets full approval after one round of follow-up.
You never deal with adjusters yourself on repair details. How the supplement process works →
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Can Progressive require me to use their shop network?
No — Missouri and Kansas anti-steering laws prohibit it. Progressive can recommend their Progressive Network Repair Shops, but cannot require it, delay your claim, or make threats about your warranty because you chose a different shop. Hail Solutions' lifetime warranty meets or exceeds any insurer-preferred network. Full anti-steering breakdown →
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What if Progressive declares my vehicle a total loss?
Call us before accepting. Kansas's total loss threshold is 75% of vehicle value; Missouri's is 80%. Photo-based estimates routinely undercalculate hail damage — we've seen vehicles declared total that repaired at 60% of value under accurate LED line-board inspection. Full total loss guide →