Universal Property & Casualty Insurance Omdömen 

I am presently in Ireland. I received an email yesterday saying Balance Due! I tried to access my account via the llink - timed out!! I tried to open your website - timed out. If there is no other way I will pay when I return to the USA on 11th December.
Please........

Steve was helpful and so professional!

Great company to work with - if only the online access were faster. I don't know why but the page loads very slowly
sometimes access is denied.

This would be zero stars if that was an option.
I purchased homeowners' insurance from Universal in July of 2024 for a home I purchased in St. Petersburg Florida. On October 3 I received a check in the mail from Universal saying our policy was cancelled effective 9/20 due to an "underwriting issue" - conveniently just before Hurrican Helene hit. The check was dated 9/30. There was no notice of this through mail or email. I actually received an email from Universal with "Emergency Assistance Resources for Helene" dated 9/29 - why would I get that email if my policy was cancelled as of 9/20? Very shady business.

We received no notice in the mail or email about this.

Beverly was so fantastic. I know insurance companies don't usually get good reviews, but Universal really does go above and beyond. Beverly was so calm and collected - awesome!!

Really this company should be out of business. If a company has 73% of dissatisfied customers/clients how is the Insurance commissioner allowing them to stay in business. My issue is … if another insurance agent sent cancellation in, he had to use the system that allows access to the receiving or initial company. My research indicates that the number my cancellation was sent to was/ is in the Universual Property & Causualty network! If not that you can’t cancel over fax, over phone, nor do they back cancellations. Well mine was sent in well enough time to cancel. In my opinion it’s my word against theirs that they didn’t receive information concerning cancellation, and commissioner’s office excepted there’s!
Insurance Commissioner’s office is a joke as well! No real investigating done! 0 would be my rating for both!!

I have never worked with a company that has been so terrible. They are refusing to pay a claim, have dragged me through years of battling. They are unorganized and mean. PLEASE DO NOT EVER USE THEM! Trust me!

The company offered more coverage than previous company so I cancelled and chose universal. Big mistake, received a letter of cancellation 30 days later saying underwriting could not inspect my home. Tried scheduling an inspection for the next 30 days and no one would answer. They offered no resource for me to schedule any inspection and would not accept my current 4 point inspection just completed this year. Ultimately my insurance was cancelled. Luckily, I was smart enough to kick this company and hire a new company with insurance effective on the cancellation date. What a waste of my time universal was!!!

The responses from Universal -- I think they're garbage. They appear to be scamming people in at a lower rate than others charge or that they intend to charge -- the insurance agent, presumably nsure in the same FL area-- which will ask you for prior insurance info., other docs they don't need or already have -- may give you false info. Then they ignore you or you stop responding -- fine for them...more days they can charge you a higher rate for the bill you get a month later showing a huge increase. Why are they allowed to do this? I see insurance has gotten really bad -- even concerned the mortgage company is getting in on the "k-back." We definitely need regulators to get past the crap (using increased building materials price, etc.) and deal with these people. Update: Tried to cancel and guess what they did referred me to the dirty insurance company who sent daily harassing nonsense emails asking for intrusive information, nothing that they would have used for legitimate business purposes. Universal finally agreed to cancel as of today, let's see if this is the latest "lying because we can." The state ins. board should have no confusion as to why we are furious. What are they doing these days-9/3 Obvious fraud, they decided they didn't like the quote from three months before and are actually trying to keep a large increase in premium following cancellation -- they are actually retroactively applying a $300 premium increase. They knew what the house was made of from day 1. Total scam. No insurance company gets to rewrite their quotes. It's theft.

My premium started at $1056 in 2021 now it's $2467 in 2024 with no claims not 1

The most non-responsive unprofessional company I've ever had the displeasure of dealing with. Not even dealing with a big dollar claim (under $5,000) between switching adjustors, not returning phone calls regarding submitted invoices and pictures, they have made the process a living hell. I cannot imagine being so unlucky as to actually be a client of theirs as their lack of response in any way shows what contempt they hold their rate payers. Just a disgusting hive of snakes. If I could give zero stars I would as that is what they truly deserve.

I too have been waiting over 6 months to settle a small claim, hate to see what would happen if there was a major claim. This company gives you the run around, but I'd bet if you were 1 day late on payment they'd drop you!! Worst insurance company ever!!!!! Lack of communication is ridiculous!!!!

I have been a client of UPCIC for the last 25 years. During that time, I have received stellar service and representation from this insurance company. I have now sold all properties that were covered by UPCIC, but I strongly recommend this company. R. Sargeant, Fort Lauderdale FL 33304

Not recommended at all. I have been waiting for more than 6 months. You already know the whole situation with proof and even so, there is still no answer. I think I am going to see a very careful lawyer.

The lack of communication, little to no updates, emails, texts, and lacking of professionalism on our case over 120 days.

I would not recommend this company for home insurance.

I spoke to Rachel, who was extremely helpful and knowledgeable.
I was very impressed with her work ethics, and I felt satisfied after speaking with her.
Calling is wonderful, no wait time.
Thank you

Adayshia, the rep I spoke with on phone, solved my problem in record time without transferring me or losing me.
Their App, of course, was as worthless as all the customer service Apps I waste time on before calling, but I only gave it a chance because it was too early to call. The info it gave was confusing (I'm a math. physicist), disturbing, and wrong. Just call. Calling shortly after they open seems to be a good strategy to avoid waiting.

If could rate less would. I paid for full-year coverage, received the policy, and within 30 days a notice of cancellation was issued without contacting the policy owner, horrible customer service experience, and run around after run around. No claim, or change in resident. To make matters worse, received a partial refund of the full policy payment.

To make a long story short
RUN & I do mean FAST...they refused to come out to investigate my claim the adjuster even told me if I don't with draw mt claim they would raise my rate and then drop me while will be hard ro me to get home owners insurance or it would b extremely expensive...I got scared and dropped my claim. Then...I reopened my claim a lead person over there name Lisa told the electrician to preserve my property and send in pictures and all receipts now they will not pay the claim.eveything they asked for I provided...if what I needed done if they didn't cover it all they had to do was tell me. The adjuster never returned my calls nor did the supervisor. Then they said ok we will pay for the damages I questioned the deductible because my claim had been going on since September 2023 and now we are in the moth of November...they called back and said NO so I just said ok well I guess I'm stuck but the electrician will at lease get his money his bill was $8,050.00 they said we are not paying that either...how do we start a class action lawsuit. I now have a bill for $8,050.00 that they told him if he fix it they will THEY LIED

I have had two run-ins with this company and I wish I could give them negative stars. After making my first insurance claim, I learned that UP&C only had my 2nd Floor fully insured and counted my first floor as an unfinished basement. It has a bedroom and a bonus room. It is not an unfinished basement.

When the flood happened, it was right before the pandemic. By the time the water damage was dried out and removed, we were in the full swing of the pandemic. I was told that because the company made their determination before the pandemic, they were not responsible for the increase of material prices, regardless of the timeline or circumstances. Leaving me enough to do maybe half the work that needed to be done. The rest was up to me to figure out. Never received a check for lost or damaged personal property or the cost of storing salvaged items while doing the repair work, either. Not to mention, it took from January to May for them to agree to put me in a habital dwelling.

Fast forward to another water issue two years later. (I honestly don't know why I haven't already changed companies. There won't be a third time.) I have called several times, checked the client portal, and emailed. No real help or information from anyone. All I'm told is that they're working on a determination and that someone will be in touch.

Here it is a month and a half later and I receive a letter stating that they're closing the claim because I have not responded to their "repeated attempts to contact" me. Seriously??

I am well aware that no one had a contingency plan in place for a pandemic. However, I'm pretty sure I'm not the only one to suffer being completely mishandled by this company.

Please look for better options before you do business with this Universal Property and Casualty. After two unfortunate happenings, I'm not waiting for the third time to be the charm.

UPDATE: I emailed the company from my email address attached to my claim only to find my email address blocked. I then emailed the requested information from a secondary email address. To date, I have yet to be contacted about the findings of their research. I stand by my previous statement. Go with another company, even if you have to pay a little more. The headaches that come with this company aren't worth the hassle.

UPDATE 2: So, after going back and forth with them supposedly trying to work with me towards a satisfactory conclusion, I'm exactly where I was before. Except, now they have all the invoices and and receipts for the work I've done out of pocket thus far. It's at least an extra $8,000. They're refusing to reimburse me until I've completed the rest of the work and submitted receipts and invoices for the final result. Again, I have a mortgage, two car notes, as well as all other incidentals related to being a responsible adult, and this is all on single salary. Hence, the time it has taken to get THIS far! They aren't paying me anything towards my salvaged items being in storage, because they paid approximately $28,000 to house me for nearly four months, while waiting for the check they sent to the mortgage company to get to me. (It was lost in the mail over a month.) Of course, if I'd had any clue that this is what I would have been dealing with, I would have rented a house in my neighborhood for a year, instead of having to keep sending requests for approvals on AirBnBs.

I had to send the link to the property before I could be approved for a place to stay. But that's why they aren't covering anything I have had to store.

If anyone tried getting a rental during the first half of the Covid19 countrywide shutdown, then they'd know how marked up the rates were. The places I requested were literally the least expensive I could find. One of them was in a neighborhood that had a regular police presence and gunshots just about every other night. But it had ceilings and floors, unlike my house.

Again, if you have to pay a little more for much better service, DO IT. This one is not where you want to "take one for the team." Pay the difference, I implore you.