ASI / Progressive Home: who you’re dealing with.

We read 1,891 Civil Remedy Notices filed against Florida property insurers over denied claims. 25 of them name ASI / Progressive Home (NAIC 10872).

On October 4, 2024, the Insurer admitted that the Property sustained damage from the Loss that was covered by the Insured's insurance policy (policy number stated above; hereinafter the "Policy") for which the Insurer assessed a replacement cost value of $64,782.28 for the dwelling ("Insurer Estimate"), a mere 53% of the eventual cost incurred to repair the property. The Insurer Estimate was prepared and authored by Adjuster [name redacted] . The Insurer Estimate was patently deficient in that it omitted entire categories of damage that would have been visible to and recognizable by any person viewing the damaged Property, let alone a qualified insurance adjuster.

Moreover, PPC determined that at least $75,062.78 worth of repairs would be required to return the property to its pre-loss condition as a result of the windstorm loss. Thereafter, the insured sent correspondence to AMERICAN STRATEGIC enclosing the supporting PPC report outlining the cause, scope, and cost of the loss along with other supporting documents and requested AMERICAN STRATEGIC to reconsider its coverage denial. Gannon determined that at least $43,121.18 worth of repairs would be required to return the property to its pre-loss condition as a result of the windstorm loss.

Counts are filings naming the insurer, matched on NAIC code. They follow book size as much as behaviour: a carrier with more Florida policies collects more filings. Each is an allegation by a policyholder, not a finding.