Universal Property & Casualty Insurance Omdömen 

Bought homeowners and umbrella insurance from Universal thru a local Tampa insurance broker. When sold the house, Universal refunded remaining insurance premium fairly quickly, no problems.

I have serious concern with the handling of my claim #FL25-0122085. No in-person inspection was ever conducted of either my unit or the unit of origin, despite the clear relevance of the latter to causation. On a recorded call, the adjuster even stated it was “in my best interest” for him not to visit my property — a remark wholly inappropriate and inconsistent with any fair or impartial investigation.

As a former human rights fact-finder, I know firsthand that direct observation is essential to credibility. By failing to inspect, he deprived himself of critical evidence and rendered his investigation incomplete and potentially biased. This deficiency appears to have contributed directly to the denial of my claim.

Such conduct violates Florida Statutes §626.9541(1)(i)3.d and §626.877, which mandate thorough investigations based on all available information.

Further, the conclusion that this was merely a “sudden, accidental occurrence” rather than negligence is unsupported by the record:
• Neither the property owner nor the management company conducted any inspection, and tenants are not professionally qualified to assess causation.
• Tenant correspondence, sent four days after the incident, shows they were still waiting for management to even respond.
• The adjuster conducted no inspection himself, depriving the investigation of firsthand evidence.
• Former tenants have provided statements confirming that the issues were ongoing, worsened over time, and ultimately drove them to move out.
• The unit above has a documented history of multiple prior leaks, pointing to a longstanding pattern of inadequate maintenance by the owner.

These facts suggest that negligent property oversight contributed to the incident and should have been considered before denying coverage. It raises serious concerns that my denial may have been predetermined rather than the product of a genuine, thorough investigation.

Subject: Policy Cancellation Due to Poor Claim Handling Experience.
Dear Universal Property & Causality Insurance,
I am writing because of your response.
The lack of clear and consistent communication during my recent claim process. Throughout the handling of a single claim, I was assigned three different claims adjusters, which resulted in confusion, delays, and a lack of continuity in service.
To make matters worse, during this time my family and I were forced to pay out of pocket for temporary housing while repairs were underway. All relevant receipts for the hotel stay, as well as thorough documentation of the work completed on the property — including before and after photos — were submitted promptly for reimbursement. Despite this, the process remained slow and disorganized, with no timely response or resolution provided.
Given the importance of reliable and responsive service in times of need, I can no longer place my trust in your company to provide the level of support expected from a property insurance provider.
This is why I cancel my policy with your company. So please don't get on here and tell lies.

almost identical to other reviews, i have left over 20 phone calls to vanessa Vega with no response, emails no response, voicemails to her supervisor Adam and his supervisor Skyler and not one return call. Last Friday i spoke with some department and they promised a call back within 48 hours from vanessa or her supervisor and guess what no call, they said vanessa was off and i would receive a call today and guess what nothing also. I have a claim and they did send a check for the ceiling repair but nothing else and wont respond. i have everything documented and also north Carolina department of insurance is now involved. shame on you guys for not taking care of your clients in a claim.

updated 08/20....after contacting ncdoi and this review i got a call from vanessa and an email stating a second inspection was needed, Jessica came out and was real nice and did another inspection, said i would hear from someone shortly about the claim, been over a week and no phone call or email.....

I have filed a claim with them over a month ago I have called at least a dozen times to the agent I've called at least six times to the so-called supervisor and now I even called the supervisor supervisor no one returns my call I am absolutely fed up with this company and I would advise anybody who has feelings with this company to think about what you're doing cancel your policy and go somewhere else this company is the total rip off just go to their Better Business Bureau and they have tons of complaints do yourself a favor and don't get aggravated change your policies now you will thank me later

This company appears to be a scam. I have never submitted any home insurance claims in my entire life. I took the policy after a recommendation by my mortgage company.

The following week lightening took out our electric water pump. The company who replaced the wiring and pump stated it should be covered under our home insurance (others have been), so I submitted a claim.

48 hours after the claim is submitted, the company just shows up unannounced, while I am on conference calls. As I do each day at 5.00, I checked my private VM and emails. Two calls stating they are at the gate and need to come 'inspect' the property. I kindly ask they come the following week as this is a holiday weekend response 'we do not schedule based on customer availability'.
Now, sending emails that they can't reach me, and threatening to cancel the policy. Seriously, gangsters without guns!

I’ve been a policyholder with this company for my first home but my experience with my Hurricane Helene wind damage claim has been frustrating and deeply disappointing.

Over the course of 9+ months, my claim has been reassigned to at least four different claims adjusters, each with different expectations. Despite a field adjuster visiting my property early on and my consistent, timely responses to every correspondence, the process has dragged on unnecessarily.

At one point, I was even verbally offered a $20,000 payout settlement (below what's needed) with no written explanation or breakdown followed by threats of denial if I didn’t accept. I asked for this offer in writing, but it was refused. That’s not how transparency or policyholder trust should work.

I’ve provided contractor estimates, responded in writing, and remained cooperative. I understand the company may be backlogged, but it shouldn’t take nearly a year for a wind damage claim especially with no repairs yet made.

I’m now preparing a formal complaint to the South Carolina Department of Insurance. I hope this company takes accountability and improves their claims resolution process, because what I’ve experienced has been more of a stall tactic than a good-faith effort.

I would like a prompt, fair, and documented resolution in line with my policy and state guidelines.

I would not recommend this company really to anyone due to this unorganized process, delay tactics, and lack of responses ESPECIALLY if you are a first time home buyer.

On May 20, 2025, my home experienced serious water damage. I submitted a claim right away, trusting this insurance company to support me. It’s now been nearly 30 days and I have received no updates, no calls, and no email responses.

I’ve called and emailed multiple times using the contact information they provided, and have gotten nothing back. It feels like they simply do not care.

This company is extremely unprofessional and clearly only cares about collecting premiums—not about you, your home, or doing what’s right.

I’ve felt ignored, abandoned, and deeply disappointed. At a time when I needed help most, they were completely silent.

Please avoid this company. I wouldn’t want anyone else to feel what I’ve felt through this experience.

Rating: 0 out of 5

The worst Companys I have ever delt with. They wanted proof about my roof, so upon their request I hired A roof inspector to do my roof. The roof passed without any problems and is in great shape. Then they refused the inspection that they requested and are now going to cancel my policy. You can do all they ask for, but it won't make a difference. NOT A VERY REPUTABLE COMPANY, I recommend staying away from this company

I am writing to express my extreme dissatisfaction with the level of customer service I have received. I do not know how many times I need to call or email for someone to get back to me. Each time I call, I am met with horrible customer service and a distinct lack of willingness to assist me. I regret not reading reviews about your company before signing up, as I would have avoided this situation altogether.

I have been calling repeatedly and am constantly assigned a new adjuster who never calls or emails me back. I have emailed over eight times with zero responses. While you expect customers to pay on time, when it comes to payouts during unfortunate events, you are taking your time and sending checks with very low amounts, knowing that no one would do the job for such a small sum.

My house was destroyed after an accidental flood, and I have no money to repair it since I was unprepared for this accident, and the insurance is not paying for me to fix my house. I received a check for a paltry $1700, while the cheapest quote I have gotten for the job is almost $5900.

Who do I need to reach to get another check? What is the point of having insurance if I am not covered for an accident in my own house? Please stop scamming your customers and treat them as you would want to be treated.

My elderly father is currently staying with me, and our bathroom is out of order. He has to use the bathroom in the hallway, which is causing him a great deal of stress and poses a safety risk due to the distance he has to walk. This situation is not sustainable.

I would appreciate any assistance or solutions you can provide to resolve this matter as quickly as possible.

I never write bad reviews, and I am upset that it has come to this point, forcing me to write to you. However, I have no choice and am hoping that someone will finally respond to me.

My insurance premium is though the roof. I’ve had universal coverage since 2002. I understand that it’s going to go up. But mine just went up to 12000.00 a year. That’s a thousand dollars a month. I don’t understand why. I don’t live by the water. I have no hurricane claims. My house has never had damage from a hurricane. No one I know has this high of a premium. There has to be a mistake. I even got hurricane windows. Was told by the inspector that wasn’t enough no discount. I need new insurance.

They jack up the dwelling coverage limit on your home, when it it not even worth that, to try to increase the premium they collect. RCE is not even coming in at the same amount. They are trying to cancel my insurance because the brokers did not increase dwelling coverage to twice what the home is worth. Worst experience ever. Would not recommend.

They collect premiums, but when I tried to make a claim, some B yelled at me like I was a crook!
My impression is that they take money from people and do not pay out.

They canceled my policy on my FHA house because Underwriting Cancellation
Roof is in unacceptable and/or below average condition. There is a tarp on the roof.
Roof is in unacceptable and/or below average condition. The roof has excessive granular loss.
The dwelling is unsafe and/or in poor condition. The dwelling has boarded window(s) I uploaded all the information that they required and they still insisted that the pictures are not good enough. I have been in my house since November, no boarded windows no deterioration of any kind. I don't understand how the hell did I get my house if it wasn't livable and when I suggested "let's have a live meeting" they didn't do that either. Didn't get anywhere with customer service, thanks for nothing!!!

Made a payment online with policy number, I entered my routing number and account number for my bank, then didn't even get a confirmation number or transaction number nothing only went onto next page with thank you! your payment was submitted. But I have no receipt so if they say I didn't pay or have no proof they can cancel the policy which is similar of what they did in October right before the hurricane but they said they sent the agent paper for us to sign they or I never got them and when we renewed the policy we didn't have to sign anything new when I reread the policy papers they were the same as the previous policy only this time it was a higher amount to pay.

I have been a loyal premium payer for over 14 years with Universal Property and Casualty Insurance. I was always on time with my payments and on good terms with the company. At the time when hurricane Milton hit us in Bradenton, FL on October 7, 2024, our roof was destroyed and the seals to our ventilation pipes busted due to wind. I contacted Universal Property that we have been hit and we have damage to our house. No flooding, but extreme wind damage that caused our roof to be blown apart and the seals around our ventilation pipes to break. They said we will get a field estimator to come out. Because our entire neighborhood was torn to shreds by the hurricane, another field adjuster not assigned to estimate the damages said he is in the area and he can do the estimate soon. So I agreed. He stepped into our house, looked around for 2 minutes, and said that all this damage was caused by you and not the hurricane. Sure there are 4 shingles missing from your roof, but you can patch that up. He then left my house. Two weeks later, I get a BAD FAITH estimate from Universal Property and their claims adjuster company, Alder Adjusting, a letter stating your claim is under your hurricane deductible so we owe you nothing. Despicable!! I immediately contacted a PA and emailed the CEO and upper management of the company and demanded action. You will not shove me under the carpet!! Now thru fear, they still don’t want give me what I need to fix my house because they donated nearly $8 million to charities to hide their bad faith attempts to cover it all up. Shame on Property and Casulty Insurance!

They are the worst. I did sign up. Once I hung up the phone with in 8 minutes after I hung up. I got a link sent with my policy. I was impressed it was so quick. I read the policy, and it was completely different from what I was told on the phone. I immediately called. I tried to cancel they were so rude and refused said it had to be in writing. Fine I request online and sent an email. Still nothing. It took 4 days before finally I got an email confirming it was canceled, but that was not the end of their horrible practices. Nine days later they still took money from my escrow account. I called they were so rude said it would be canceled in about two weeks once cancelled took 15 days to issue a refund. I repeatedly emailed and was ignored for 10 days finally I got an email on the 31st of January stating they would expedite my refund. It's the 11th of February still no refund. I have been emailing daily since the 7th and they have not responded. I have been dealing with them for over a month. I can't imagine how horrible they would be if filing a claim. Think long and hard before purchasing a policy from this awful company. If you're filing a claim, you're probably already stressed they go out of their way to make it miserable!
I got an email on the 31st that my check will be expedited sent with in 24 to 48 business hours....it's been 14 days! Is it also 30 days to pay out on a claim too??? That's so sad! Not yo mention I was lied to again. On the 18th I got an email stating I had to wait till 1st of Feb to have refund issued and then it took up to 15days. Then I asked for a rush. On 31st I got email stating you would expedite 24 to 48 business hours. Now you're saying 30 days! Ypu proved my point. Lies

This company is the worst on the market. They refused to renew my policy falsely accusing me of having a business on my property. They will lie to cancel your policy, do not, do business with them!

Zero stars these morons never sent the paperwork to my mortgage company which I have a receipt to prove the payment cleared. Here we are 1 year later we didn’t have insurance all year and they failed to notify the mortgage company. Universal returned the payment to some completely different company and said I should’ve reached out. Why should I reach out when I got the receipt confirming it was paid. This company will be getting sued for sure. I’m not responsible for any penalty’s since they messed up. Only way to fix this before I file a suit is to make this right with a new policy for a low price. They want me to do their job for them? Then what am I paying you morons for what a joke if my house burned down guess who would’ve been getting sued for millions you guys. You have 24 hrs to reach out to me and make this right. Sincerely ms Becker

This is the worst property insurance company ever. They will give you the runaround in order to not pay your legitimate claims. I've been waiting for almost a year for my mold repairs and every time I call for an update, I'm given a new adjuster who doesn't return my calls or emails.