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We have an RV insured with Progressive. We have never had a claim or problem. We got a leak in the slide after Hurricane Ida. The adjuster came out and after he tried to tell us that there was old tape on the slide and it won’t be covered. He said someone else would look at it. Then we saw the claim in the app and the next day it was closed. No one called us and we have not been able to get a hold of the adjuster at all. I have called the supervisor and no answer. Nothing! Stay away from this shady ** company! Old man at RV place told me to only use Geico and that Progressive is the worst company and never pays out! Now we know!
While coming home from San Diego, something hit our RV, and when I called to report our claim, it took over 21 days for someone to call back and inspect the damage to my RV. It took them another 12 days to tell me they are going to deny the claim. Once the adjuster called, he said that my claim would probably be rejected by the picture I submitted. I had a 2007 Dutchman Class C RV that was hit by a piece of wood, and at impact, the wood ripped off a portion of the fiberglass. Progressive denied the claim saying it came off due to the dilapidation of the glue not adhering to the fiberglass.
In addition, there was no evidence of collision damage or any other sudden event to have caused the side panel to fall off. The fact that the gutter rail was still fully attached, the adjuster told me had the wood hit us directly and caused the direct impact, they would cover the damage. If you are purchasing a used RV, will you remove the fiberglass and inspect it for water damage? I don’t know anyone who will take the fiberglass off check it before purchasing it. Based on what the adjuster from Progressive is telling me, they won’t cover any damages if there is any preexisting water damage. So make sure you don’t get insurance with Progressive because you will be paying for insurance, and nothing with be covered. Their policy won’t cover anything if you have any preexisting water damage anywhere, and they will make sure they use that to get out of any claim. BEWARE!!
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I put a claim into Progressive RV ins. (I bought it thru FMCA, I have had nothing but good experience with FMCA up until this). They took forever, over a month to come out and see the issue. Once they did come out the adjustor quickly told me it was denied. I asked about appeal and he snapped at me, was extremely rude and short. Said, "This is not like Homeowners insurance and that you people all say the same thing..." whatever that means. I guess we are all stupid other than him. He was rude and condescending the whole conversation, which since I was in my car my wife heard as well. Clearly from the beginning his mind was made up to deny the claim.
Will be changing insurance company ASAP. Be sure to ask about what is covered when they call it water damage. Progressive will not pay anything if they mention water damage. I don't know if any other ins. company would have paid or not, but customer service is something I thought I paid my premium for... just saying.
On September 16, 2020, we lost our RV in hurricane Sally. I reported it right away, only to hear back from them a week later to be told they were not sending adjusters out due to 35COVID-19. They were only accepting photos, so we sent 35 to only to get a call stating the female caller could only see a few damages. I demanded we had an adjuster come out, as well as paid for one ourselves. This process took another 2 weeks, in the meantime, we are paying for a motel. At the time I took the policy out we were not given any options for emergency stays such as this.
When I called to cover our new camper, the female on the other end told me we had options, $750.00, $2000.00, or $7500.00 for emergencies such as this, but the gal admitted and it is recorded that she didn't use to tell customers this because they usually just wanted the basics. Nice to know they make our decisions for us.
Now it is October 12, 2020, and we finally bought a new camper, while still trying to settle with Progressive. They finally totaled our vehicle on October 9, 2020, in the meantime we are paying a motel bill, and still have sent us the papers they say we need to sign to get our money. Of course being Columbus day our Banks our closed so they couldn't get a pay off, to get this done so here we go again. We have got to move into our new camper at the dealership lot saving us $150.00 a night, after spending $4000.00.
Today they said they expected us to keep up the camper and lot rent payment until the got the camper. I told what to do with it. I have gone with Geico since they were the first ones out at the RV park and have settled with their customers. They are over $400.00 a year cheaper for better coverage. Everyone that has been affected by this has settled their claims but us. If you want them to treat you inhumane and like you don't have feelings then go with them.
They sold us full coverage on a recreational vehicle. We had water damage and an adjuster came out. He said most of the time claims are denied on RVs. Well he was right. It was denied. They should have told me 3 years ago when they were taking my premiums!! Tried half dozen times to contact my assigned claims representative. She never returned our calls. We have since cancelled with Progressive.
Called last week, filed a claim on wet TV, no air from storm. Leaving on vacation in 2 weeks. I had to call them today to get someone to get something going because they were supposed to call me. Then they said they will get some adjuster to get with me, they don't know when? Really.
What a p.o.s company. They do anything to deny your claim. To delay it they have a guideline of tactics they use to the t. Look it up on the web scumbag business tactics!!!! My new motorcycle got stolen and even with a police report they denied me, called me a liar and that the police paperwork looked fake!!!
I have never had an issue with insurance providers before Progressive. They are shockingly deceitful and ridiculous. I had a claim that they admitted was covered under my policy, but would not take care of the damage. I had wind damage to my trailer, which allowed water to enter the trailer, causing thousands of dollars of damage. A vent was blown off, they covered the vent ($300), but not the resulting water damage, how does that even make sense? And trying to fight it is an endless struggle to chase it up the stonewalling chain of command. I finally gave up, which I'm sure is their strategy. Save yourself the headache, and go with a more reputable firm. NEVER AGAIN.
I bought an older Class A 5 years ago. Last year I had listed it with a consignment facility in Nevada as I was moving to Oregon. After 8 months they were unable to sell it so I went and brought it to Oregon. I noticed a large crack in the upper corner of the windshield and right after getting it here there were several large rain storms and I was unable to get the cover on. I contacted Progressive to file a windshield claim. Initially I was told, "No problem. Safe auto with the out to do it," however when I mention there was some water damage inside due to this rain they said, "Oh no. You need to now highly different claim."
The adjuster contacted me and told me since this was a new policy they had to do a thorough investigation. I have been with this umbrella of companies since I purchased the RV however they have changed my provider multiple times due to the previous provider no longer covering RVs. They have now denied my claim stating that it was previous damage and that the windshield seals were bad which is what caused the windshields to crack. From what I've been able to ascertain this is now going to cost me over $4000 when just to fix the windshield. It's my opinion they convinced me to finally claim so they could then deny it. Eventually it will get fixed and I will sell the coach. My advice to everyone else stay away from Progressive.
I've had Progressive on our RVs for over 15 years. Today we were in AZ and it had snowed a couple of inches. Driving the car on to the tow dolly I put the brake on and because of the snow it slide off of it. This left the frame sitting on the tow dolly. My husband had spent over an hour in the cold trying to figure it out. I decided to call Progressive. After going through all of the prompts Jordan was on the phone, told to use my cell phone number as my claim number. He put me on hold and the call was disconnected and he didn't call back even though the claim number was my cell. Called again and went through the prompts, a live person came on and said I needed to speak to roadside assistant, really I didn't know that. She gave me the number to call in case we are disconnected.
The transfer went to voicemail and asked if my call was important. Called the number given and again leave a message. Called the original number going through all the prompt, again needed to be transferred. So I get Mya, very nice but couldn't understand the situation. She spoke to her supervisor and said it was a liability they couldn't risk. Waited forever for her to get a superior to talk to, now I am on hold again forever. Supervisor again said too much of a liability, so what am I paying insurance for.
Again transferred to the claims department waited forever and finally gave up. By that time my husband figured out how to get the car off the frame and wheels back in place. So the question is why is Progressive subletting their Roadside assistance. Why was it so hard for them to understand it wasn't a big deal for them to help us. Why would I need to file a claim and hope they pay for it. Why wouldn't a tow truck be equipped with equipment to help us. I will be looking for a new insurance company. God forbid this was something serious. Extremely poor customer service. Shame on you Progressive.
Progressive RV Insurance author review by Cyril Tuohy
This insurance company covers everything from class A motor homes to horse trailers. RV owners enjoy the benefits of standard coverage, in addition to multiple optional riders. The company covers vehicles whether they serve as primary residences or they’re for recreational use. Quotes are available online or by phone.
Plans and coverage: Standard RV insurance from Progressive includes options for comprehensive, collision, liability, medical payment, and uninsured and underinsured motorist coverage. Additional coverage includes roadside assistance, total loss replacement and personal item replacement.
Vehicles covered: Progressive covers conventional trailers, fifth-wheel trailers, pop-up campers, truck campers, utility trailers, cargo trailers, horse trailers, and class A, B and C motor homes.
Discounts: Available savings include bundling, original owner, responsible driver and advanced quote discounts.
Standout feature: Progressive offers so many types of insurance that it’s easy to save by bundling. Bundle an RV policy with another Progressive policy for car, home, condo, boat or motorcycle insurance to receive a discount.
Progressive RV Insurance Company Information
- Company Name:
- Progressive RV Insurance
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