Progressive decomp claim?
Catalyst Restoration coordinates with Progressive adjusters daily across MD, PA, WV, and VA. Free inspections, direct billing where allowed, no preferred-contractor pressure.
Progressive is one of the largest direct-to-consumer carriers. Property claims are filed through their app, online, or by phone. Adjusters typically respond within 1–2 business days for non-emergency claims. Progressive also acts as the underwriter for many GEICO and other-branded homeowner policies.
Progressive decomp claim flow
- Step 1
File via the Progressive app, progressive.com, or 1-800-776-4737.
- Step 2
Claim number issued immediately. Adjuster contact within 1–2 business days for most claims.
- Step 3
Emergency losses (active water, fire just out) get expedited assignment when flagged at filing.
- Step 4
Progressive uses Xactimate for scope, which aligns with our standard documentation format.
- Step 5
Direct billing is supported for most restoration scopes.
Our decomp process
Respectful, thorough, complete.
- Step 1
Initial assessment
Map the affected footprint, including sub-floor and HVAC contamination.
- Step 2
Containment
Seal the area and establish negative air pressure to prevent odor migration.
- Step 3
Material removal
Remove contaminated porous materials beyond the visible affected area.
- Step 4
Decontamination
EPA-registered disinfectants on every reachable surface.
- Step 5
Odor neutralization
Hydroxyl, ozone, or thermal fogging until the space tests clean.
Common friction with Progressive
Progressive sometimes uses third-party adjusters during high-volume periods, which can slow communication.
We document daily and email both the assigned adjuster and the third-party handler so updates reach the right person.
Progressive contents adjustments can come in low without per-item documentation.
We provide detailed contents inventories with photos and replacement-cost estimates per item — supplements are usually approved when properly documented.
Tip: call us before you call Progressive
Restoration crews can be on-site within hours; an adjuster may take a day or two. The faster decomp starts, the smaller the final loss.
Request emergency dispatchProgressive Decomp - FAQ
It depends on your policy and the cause of loss. Typically covered under the dwelling’s homeowner policy. When the policyholder is the deceased, the estate files the claim — we work directly with executors and provide the documentation probate and the carrier require. Either way, Catalyst documents everything Progressive needs and bills them directly where allowed.
Progressive typically assigns an adjuster within 1-3 business days. Catalyst can begin work immediately - reasonable emergency steps to limit further damage are reimbursable. Most claims close within 30-90 days depending on scope and any supplements.
Yes. Insurance carriers (including Progressive) cannot require you to use their preferred network. You have the absolute legal right to choose any licensed restoration company. Progressive pays your selected provider at the same rates as their preferred network.
Progressive expects photos from first response, a clear cause-of-loss narrative, an itemized scope in Xactimate format, documentation of the work performed, and final verification. Catalyst provides all of it and submits directly to your Progressive adjuster.
Decomposition fluids absorb deep into carpet padding, subfloor, drywall, and even framing. Surface cleaning alone leaves residual odor and biological hazard. Our protocol accounts for sub-surface absorption.
Decomp loss covered by Progressive?
Catalyst crews stage across MD, PA, WV, and VA — call now or request emergency response.