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Universal Property and Casualty Insurance Review & Complaints: Home Insurance

Check out our Universal Property and Casualty Insurance review to learn how to get insurance with a Florida-based company. Don't believe the hype of Universal Property and Casualty denying claims abruptly. Universal Property and Casualty Insurance writes policies in seven states and has an A+ rating from the Better Business Bureau. Universal Property and Casualty reviews from customers are mixed, with Universal Property and Casualty insurance claims handling a primary concern. Learn more about finding affordable Universal Property and Casualty Home Insurance quotes now.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 21, 2020

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Universal Property and Casualty Insurance Company
Financial Strength


This Universal Property and Casualty Insurance review will go over the company’s size and limited availability. You may have read that Universal Property and Casualty leads to denying claims. The company has managed to stay in business in several states across the nation.

Based in Fort Lauderdale, Florida, Universal Property and Casualty Insurance (UPCIC) is well into its second decade in the property and casualty market, providing a range of home insurance coverage and liability products. UPCIC writes policies in several states beyond its Florida base.

Before you read this full review of Universal Property and Casualty, take a moment to see what you could be saving on home insurance. Enter your ZIP code now to compare Universal Property and Casualty home insurance rates for free.

Universal Property and Casualty Insurance Company Overview

Since 1997, UPCIC is a subsidiary of Universal Insurance Holding Company of Florida, in turn, owned by Universal Insurance Holding, Inc.

The company has its headquarters in Fort Lauderdale, FL, and writes policies in several states outside of Florida. Coverage is available in Delaware, North Carolina, South Carolina, Hawaii, Georgia, Indiana, Maryland, and Massachusetts.

According to the South Carolina Department of Insurance, property and casualty insurance are two different types of insurance.

UPCIC writes a range of personal lines property and casualty products, including standard homeowners and other dwelling and personal property coverage. Policies are sold through a network of independent agents, with limited quoting available online. UPCIC is among the largest property and casualty insurers in the state of Florida.

Watch this short commercial from Universal Property and Casualty Insurance Company.

The Universal Insurance Company has a customer login option on their website that allows policyholders to accomplish several policy management tasks, including making payments online and checking on policy status.

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Universal Property and Casualty Insurance Products

Universal Property and Casualty writes policies in the personal lines market for owner-occupied and rental homes, tenants, and condos. The company focuses only on this particular market at this time.

Continue reading to get more Universal Casualty insurance reviews.

Homeowner’s Insurance

Universal homeowners insurance reviews and writes standard homeowner’s insurance policies that include replacement cost coverage for the home itself, coverage for other structures on the premises, and homeowners insurance personal property coverage protects the owner’s personal property anywhere in the world. Policies also include personal liability coverage to protect homeowners from lawsuits for injuries or negligence.

Dwelling Fire Insurance

UPCIC writes dwelling fire policies for non-owner-occupied homes that are rented out to others. This policy protects the structure and the landlord from the liability risks of owning a rental home.

Keep reading our Universal property reviews to learn more about the company and what other options are available for you.

Condo Owner’s Insurance

This policy is designed specifically for the needs of a condo owner, which differs from a single-family residence. Included in UPCIC’s condo policies is insurance coverage for portions of the structure for which the owner is responsible, personal property coverage, and liability. Tenant-occupied condo policies are also available from UPCIC.

Renter’s Insurance

UPCIC offers renter’s insurance policies for tenants who want to protect their personal property. These policies do not include structure coverage, as that falls under the owner’s policy. Renter’s insurance also includes liability coverage.

Universal Property and Casualty Rates

UPCIC is one of the insurance companies whose sample rates are available on the Florida Office of Insurance Regulation website, through their CHOICES rate comparison tool.

A sample of a $300,000 value new construction home brings back an incredible range of rates, differing across counties in Florida.

Annual premiums range from just under $1,000 to over $5,000. Direct comparison by county and specific home is the best way to determine which counties the company offers its most competitive rates.

UPCIC offers an online quoting form on their website, and quotes are also available through agents selling UPCIC products. As a smaller insurance company, UPCIC is likely to have higher rates in big markets than larger, national-level companies.

The company does not write auto or any other types of insurance that commonly provide for multi-policy discounts, making it less competitive with companies offering many different policy types. There are, however, many discounts available to policyholders with UPCIC.

Universal Property and Casualty Claims

UPCIC offers a 24 hour a day, seven days a week claims center prepared to handle even a high number of calls during natural disasters, an important factor in hurricane-prone areas like Florida. Claims can be filed over the phone, through an agent, or via the online claims reporting form that’s available on the company website. universal insurance claim check status

You can use the Universal Property and Casualty login to file an online claim through a different portal from the Universal Property and Casualty insurance agents login.

The Universal Property and Casualty Insurance claims phone number is 651-209-1150. Call this number if Universal Property and Casualty deny claims, or if you want to look at the Universal Insurance claim check status.

Universal Property and Casualty insurance abrupt termination may be because you haven’t paid your premium or you’ve had too many accidents.

The company recommends that policyholders take photos of damage immediately and not remove or discard any damaged item until the adjuster has arrived to inspect the damage.

UPCIC promises a fast claim turnaround time, although the particulars of each claim can significantly affect the time required to complete the process. Claims status can be followed online through the company’s customer portal on the website.

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Universal Property and Casualty Reviews and Ratings

Before committing to the company, check the Universal Property and Casualty Insurance rating.

Universal Property and Casualty Insurance Company’s Better Business Bureau (BBB) profile currently holds an “A+” rating. The company is also accredited and has been since 2016. There are 107 complaints filed against the company in the last three years, 61 of which have been closed in the past 12 months. Of the 107 complaints, 86 of them concern product and service.

The Florida Department of Financial Services records shows that Universal Property and Casualty complaints have reached 180 complaints in the fourth quarter of 2016, which is the most recently available information. This is a ratio of 1:3207 or one complaint for every 3207 policies the company has in force.

According to Insurance Journal, UPCIC was fined by Florida for $1.26 million and required to take corrective action to repair claims and underwriting practices.

The BBB reports that the company was determined to have failed to do full underwriting when issuing a policy, and then completing underwriting when a claim was processed, resulting in claims denials. The company agreed to the fine and corrective action in October 2014. There’s no challenge or appeal to the decision.

Financial Strength

The Universal Property and Casualty Insurance Company A.M. Best rating is an A. Take a look at the financial ratings below.

Universal Property and Casualty Insurance Company
Rating CompanyGradeFinancial Outlook
A.M. BestAN/A
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Universal Property and Casualty ratings could be the saving grace of the company. An A.M. Best rating helps the company considerably, and it shows the company has done well with paying out claims and maintaining a good financial outlook.

Universal Property and Casualty Insurance Review: The Bottom Line

Universal Property and Casualty Insurance Company is a relatively large company in the Florida insurance market and writes policies in a shortlist of other states.

The company’s rates are widely varied across counties and are unlikely to compete with national insurers in large markets. Because the company offers only property and casualty and not auto insurance, the lack of multi-policy discounts is likely to result in higher rates.

Did you know Universal Property and Casualty class action lawsuits caused them to lose potential customers? A relatively high number of complaints and a government action against the company for their underwriting practices are likely to make consumers wary. However, time and appropriate action to repair the damage consumer confidence may return.

Now that you know the Universal Property and Casualty Insurance Company rating, are you ready to buy Universal Property and Casualty home insurance? Enter your ZIP code now to get started comparing Universal Property and Casualty Home Insurance quotes to that from other companies.

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Frequently Asked Questions: Universal Property and Casualty Insurance Review

Is Universal Property and Casualty home insurance company the one for you? If you’re not sure, check out some common questions below. For the final section of our Universal Property and Casualty Insurance review, we will answer a few frequently asked questions that appear when you search Universal Property and Casualty online. These answers will add to what you’ve learned about UPCIC.

#1 – Is Universal Property and Casualty insurance a good company?

Universal Property and Casualty Insurance have an “A” with A.M. Best, and it’s an accredited company with the BBB with “A+.” It’s a reliable company.

#2 – How long has Universal Property and Casualty been in business?

The company began in 1997, which means the company has been in business for 23 years.

#3.  What is the best-rated home and auto insurance company?

According to sources across the internet, Amica Mutual, Allstate, and Geico are the best-rated home and auto insurance companies.

#4 – Is Security First Insurance a good company?

There are a few reports that label Security First Insurance as an unreliable company with bad customer service. Dig a little deeper and compare quotes.

#5 – What is Federated National Insurance Company Rated?

Federated National Insurance Company is rated as an “A” with Demotech and has an “A+” with the BBB.




Review Date
Universal Property and Casualty
Author Rating

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. I’ve been waiting for something from them for over a year. Worst Company Ever.

    Someone should start a class action suit against this horrible company. Stay away

  2. I’ve been waiting for something from them for over a year. Worst Company Ever.

    Someone should start a class action suit against this horrible company

  3. I have had Universal for five years covering my house.

    No claims or problems. However, when my mortgage company notified me of an escrow shortage, I looked into the cause.

    I found my premium for my insurance had increased by 46%.

    When I went through the policy statement, Universal had increased the Dwelling value by 56%, which drove the premium increase.

    I asked my broker how this could happen.

    He said Universal has a “feature” called Inflation Guard, that is included free with their policies.

    The concept is that over time the cost to rebuild your house would increase due to inflation.

    So they automatically increase the coverage amount to make sure you are fully covered.

    However, I checked the inflation rate over the five years of the policy and it was only 8.3%.

    So how does Universal justify the 56% increase, I asked. I am still waiting for my answer.

    I am contacting my attorney to deal with the issue as I believe it to be a fraudulent practice and I wonder how many other Universal insured homes are being handled in the same manner.

    My insurance went from $11K to 17K per year, as I live in South Florida.

    So it is already expensive, but the increase is completely unjustifiable.

  4. Phone calls and e-mails are not returned. 100% TRUE. I have not been able to live in my home since July and it is now October. The company they use who chose a temporary apartment didn’t even qualify for the lease. We are fronting everything. My contractor hasn’t been paid a dime and they have now asked for the same supplemental estimate from him 3 different ways. They switched my desk adjuster and am now being told that my house will be livable without a kitchen and we have to move in a day prior to Thanksgiving. The adjuster then told us that she was going to take more time reviewing the new estimate once she gets it so we may not have a kitchen for months! Its just getting worse and I am so depressed at this point that I am giving up on life. Everything we have ever worked for is gone.

  5. This is the worst company I have EVER dealt with. They cancelled my policy, even after TWO home inspections (one of which they paid for themselves) showed that the roof on my house was in perfect condition after a minor leak repair was completed prior to our closing date. They claimed our roof was in “unacceptable condition” even after two inspections showed it to be in great condition. Instead of being straightforward, they beat around the bush and played the blame game on underwriting for not responding. The one person who was helpful in the beginning ([Redacted]) eventually became almost non-responsive and unhelpful with trying to get the issue straightened out. The “Manager” who was dealing with underwriting, [Redacted] should not hold the title as “Manager”. He refuses to answer his calls or respond to voicemails. This is the cheapest homeowners insurance in South Florida, but you get what you pay for. Losing this policy is probably a blessing in disguise. God forbid something should happen to our house, I would not count on this company to respond to a claim in a timely manner. Save yourself the stress and choose a better, more reliable and reputable company. This place is SCUM.

  6. Does anybody know who we can all complain to about Universal? We have had to get an adjuster and a lawyer and are suing. We are homeless since Irma. Water came in our entire condo and they refused to pay personal property because they say the force of the wind had to have open a hole to where the water would have come in for it to be covered …. what?! The water came in through the walls, roof, windows everywhere … I live by the Bay that’s why I purchased insurance in case anything ever happened. There has to be a hole?! It’s in their policy! The whole place got water, I’m sure there are lots of holes!!!!!!! That’s bs…. then they went ahead and paid $6,000 for damage to replace real wood Floors in all apt, walls, mould, etc. , etc. that didn’t even pay for floor and mould removal! Let alone replace!! Have been without our home since. We treated for mould and took water out of floors and waiting for a trial date in DECEMBER! What happens if we get another hurricane this year? Who is going to pay me for the lost and of my home all these months? This is ridiculous. Someone needs to do something. I can see we are not the only ones going through [redacted] because they refuse to pay. Yes, at least we have a trial date to look forward to, in 7 more months! If I’m not dead before from all the stress they have put me through. If you haven’t hired a lawyer yet, do so because these people are not settling with anyone and it’s taken about 6 months (since a few months after the hurricane that we filed a complaint ) to get a December trial! Any good honest reliable ins companies exist that insure Florida?

  7. I’m a current Universal Property and Casualty Insurance Company policyholder, and I am so shocked to hear about these horrendous experiences. I’ve been reading my policy just to find out I’m not covered by falling objects in hurricane city.. I will be changing my policy ASAP, thank you guys.

    • I’ve been waiting for something from them for over a year.

      Worst Company Ever. Someone should start a class action suit against this horrible company.

      Don’t do any business with them

  8. WOW, reading many of the complaints listed here I should be out shopping for new insurance. I filed a claim in January 2018 and felt that there must be some mistake as to why I am not getting the service I pay for. I am also getting the run around with an adjuster claiming mold remediation estimates are over and above what he felt the damage was. I was told to proceed with work and submit reports, repair cost and all would be taken care of. 60 days later and no resolution. Looks like I have an uphill battle ahead of me to get payments from Universal.

    • I wish you the best of luck with that! I had my attorney to contact them regarding my claim where my patio roof and patio had water damage. They were adamant about not paying for my roof but paid 1750 for the patio damage, but of course, there was a 1000 dollar deductible (leaving the insurance company paying me 750. I went ahead and had everything repaired and submitted a supplement to my claim as instructed by the adjuster. I never got another dime. I was told by the adjuster that the patio roof had “a different slope in it than the rest of the roof” and that the damage was old. Because of that, they stood by the 1750 amount they paid. I had to pay 2000 for the roof.

    • Don’t worry you’re not alone, I’ve informed my mortgage company under no circumstance will I be renewing my policy…

    • This company is horrible! I’ve been waiting for something from them for over a year.

      Worst Company Ever. Someone should start a class action suit against this horrible company

  9. The WORST insurance company ever! Horrible customer service filled with lies and lies. I have been with them for over 20 years with no claims. I had a robbery. They were horrible to deal with. I provided them with every single bill and receipt. After chasing them for 6 months they finally paid me only 50% of the claim. I don’t understand, I pay 100% of my premiums, why only 50 %? Their customer service is so bad, no one ever returns a phone call and when they do, they lie to you. Avoid them at all costs !!!!!

    • I agree. I’ve been waiting for something from them for over a year.

      Worst Company Ever. Someone should start a class action suit against this horrible company

  10. I work for a company where we are in constant contact with insurance companies to help get the insured paid quickly so that we can also get paid. Universal is the worst to deal with. They take FOREVER to review claims, and half of the time, nobody answers the phone when I call the claims center. One time I put the phone on speaker and let it ring for 19 minutes before I hung up.
    They need a better method.

    • Worst insurance I ever had!

      I’ve been waiting for something from them for over a year.

      Worst Company Ever. Someone should start a class action suit against this horrible company

  11. If I ever get my check (4 months after the hurricane and still waiting) I will switch companies and never look back. Every phone call brings new lies, new promises, new expected dates, but never brings a check. Worst insurance experience EVER.

  12. In November of 2017 I filed a claim with universal for water flooding my basement. An adjuster came out the first of December took pictures and assessed damages. He told me a check would go out in a day. According to customer service the check was cut on December 7th 2017 today is December 25 the and I have still not received the check. I called last week and the adjuster told me he stopped payment on the check from the Massachusetts office and had a check in hand to overnight payment to me. Never received a call with tracking number so I called adjuster again on the 22 on which he texted me two non existent tracking numbers that do not correspond to any FedEx or ups system. Also in the text he assured me that he was looking at the label and I would have the check on Friday December 22 by 6 pm. No package arrived. In speaking to customer service the adjuster exists but they have no record of stop payment or new check that was supposed to be issued. Customer service said I need to speak to adjuster and they can stop payment on the check that was cut on December 7th but how can they stop payment on s check that the adjuster already stopped payment on? Feeling stressed out and scammed. I desperately need this payment and was promised to have it before Christmas. I will be on the phone again in the morning for the eighth time to find out were my check is. Praying that I have not been taken advantage of

  13. Thank you for your reviews, after reading them I will NOT be doing business with this company

    • You are a smart woman. Trust me!

  14. This property and casualty insurance company was there for me and my family after hurricane Irma. Our roof was partially off our house. We had an adjuster at our home days after we filed the claim. I was impressed with this time-frame knowing that there were thousands of our people that had damage. They wrote us a check for the damage to our home and property and helped to ease our worries. I’m happy with customer service provided. Thanks.

  15. This company is absolutely the worst. My claim is still pending since August 27, 2017. Today is November 13, 2017. Please be warned their rates are competitive but you get what you pay for when it is time to file a claim. I guess I will be waiting in line like the others in this thread for a few more months or years.

    • I have 2 claims for roof damage, including damage from Irma and both were only released the undisputed amount which paid for nothing! Both have now gone to court, since June they have denied, denied, denied and it has been extremely stressful for my family having to incur expenses for a new roof, but they will not help. This is the worst company I have ever dealt with they are not here to help you, they are here to collect your money, scam you out of it in need, and then drop you once the claim is closed, extremely disappointed from all of this. Still dealing with it :(

  16. The fact that this company still exists says a lot about the state of this nation. Shameful!!

  17. We received a year premium amount and they billed our mortgage company. Then a month later re-billed them for more money. I did an online quote request for home owners insurance, I knew this was just an estimate until all of the actual documents were submitted. We were happy with the quote and proceeded with actually purchasing it and submitting all documentation. We sent them our inspection, wind mitigation, and home security certificate. A couple days later we were sent an email congratulating us on our new homeowners insurance policy. We were sent the statement with our total premium cost and what our coverage was going to be. It was the same amount we were quoted online so we assumed everything checked out fine. Universal then billed our mortgage company for the amount and was paid. A few weeks later we receive another statement with an increase in our premium of $294. No explanation, no contact, just raised our premium. We only went with this company based on the total cost we were told it would be after they received all of our documentation. I called them immediately and was told it was because on our wind mitigation a box wasnt checked by the inspector. I then contacted the inspection company and had them quickly resend me the corrected wind mitigation report. I emailed it to the agent at Universal and then was told a day later that was not the reason it was increased. It was because the underwriting department has reviewed your Wind Mitigation, and no changes were made. The original change in premium was due to the “Roof Deck Attachment” being removed. I would have no problem with an increase in the cost for a credit we did not deserve however this was after they had all our documentation and billed our mortgage company. Had I known the cost was going to be more I could have gone with another company or shopped around more. Then I was told on 10/18/2017 this was being addressed by upper management and someone would get back to me.They also told me this was not an issue specific to my policy and that other policyholders were experiencing the same issue. I told them I did not want my mortgage company billed and was told that they would not be while they were reviewing my case. I did not receive any response back from upper management and on 10/23/17 I checked my mortgage account and saw that my mortgage company had been billed and sent payment for $294 to Universal Direct on 9/24/17. I immediately called Universal Direct and spoke to an Underwriter [Redacted]. She of course had a completely different answer and basically told me that they have 90 days to review your documents and make any changes to your policy. So I guess when you submit your documents and are under the impression someone actually did there job because you told me the process takes about 15 days to be reviewed and make sure all credits are due. Her response was this is what all insurance companies do. I have never experienced this with any other insurance company so I do not believe that is the case. I think someone made a mistake and they are just trying to cover it up on their end. This company is fraudulent, they steal your money and then give you the run around with lies.

  18. The worst insurance company I have ever had the displeasure to have to work with! I have been paying them for almost 7 years and never filed a claim. On September 22,2017 I woke up to find my dishwasher had sprung a leak and flooded the kitchen. I called a plumber and had it fixed then called insurance company.It is now October 24th and I am told it has not been approved yet.It is sitting on some adjusters desk for 2 weeks .I have left messages,of course she does not return them. I guess she is just too busy working 8:30 to 3:30 every day! They keep telling me they are behind because of Irma ,I checked reviews this is just their general practice.Even if it was Irma that’s not my problem you need to hire help or maybe work till say 5 like everyone else.So it’s been a month and I have mold growing all over my cabinets and I’m sure under the tile.They did manage to send me my renewal for end of November,so let’s bet they pay me after they get paid so I can’t sign with another insurance company for a year.I’m just glad it’s only my kitchen,if my roof was gone I guess my house would be destroyed and me homeless while they play games on the phone!

  19. Universal is a crooked company, they raised your income deductible every year, and they cut coverage at the same time. When i started with them my deductible was $2000.00 during the course of the 4 years they bump it up to $4200.00. Result Irma destroyed my fences, A tree fell on one of my cars, some of the roof started to come off, total damages $3900.00 according to the adjustor so of course I’m short $300.00, NO Coverage needless to say this is my last year with them. I will move on to some other crooked company. It is unfortunate that law makers do not protect our interest. I Love my country but is getting worst every day for the almost non-existent middle class, to survive, they are robbing us blind.

  20. Universal Property has been there for me and my family after hurricane Irma. They were quick to answer our calls and the adjuster showed up at our house within a few days. We got a check to fix our roof soon after. The other negative reviews certainly did not reflect the high level of customer service and professionalism that I received from Universal. Thanks UPCIC.

    • An anonymous positive reply? – sounds legit ;)

      (not at all my experience post Irma – I’m still waiting)

      • Still waiting and arguing … another month gone, house still uninhabitable …

        • Now after Christmas and still arguing and waiting .. three months have past and I’m still in temporary accommodation while waiting for things to be resolved, fortunately I have enough resources to cover both rent and mortgage …

  21. While selling my home I found black mold in my bathroom. I immediately hired a company to remove it then repair the bathroom, which was very expensive. The adjuster [Redacted] was very helpful and I was fully reimbursed in a timely manner. Thanks to [Redacted] for putting up with my constant phone calls, questions, and check-ins. It was a long process but [Redacted] was very patient and cordial as we worked through it.

  22. We have recently purchased a home and retained Universal for our homeowner’ s policy. Immediately we suffered damage to our roof due to a storm and sought to have our roof repaired as quickly as possible I was fortunate enough to work with [Redacted], a claims examiner who was not only professional but expedient on getting a check to us quickly so we could get our roof repaired before incurring any other damage. Due to a problem with our bank, (Wells Fargo needs to work on customer service) a second check had to be issued and he went over and beyond assisting us in getting a replacement quickly as possible. Universal is very fortunate to have a dedicated employee such as [Redacted] working in their claims office. From reading some of the other reviews on here maybe they need to use him as an example to other employees.

    Randy Stephens
    Thomas Berthier

  23. RIPOFF!!!!
    Take your money keep it
    Or flush it down the toilet
    You get more out of it
    It states in my policy my golf cart is covered
    They wrote it. Get any 3rd grader can read

  24. This company is absolutely disgusting! I have been waiting for my money for almost one year for my bathroom and kitchen which clearly has damage! I hired an adjuster company which is being forced to hire lawyers to get my room fixed!

  25. Sorry this was the only company my realtor could find in the West Palm Beach market. Have paid Universal the premiums they dictated for the last four years. Thankfully I have had no claims. From what I understand from co-workers and friends that are in the same boat as me with this company getting claims and payments are likely an issue. Universal has been nothing but a hindrance to good business but they will take our money. Look out for their questions or rate hikes because they can…… Clearly Universal has greased up someone in Tallahassee.

  26. Universal is only to collect premium. But when it comes to claim- they are not there to help. Absolutely terrible company. Do not do business with them.

  27. I filed a claim with Universal on December 8th, 2016. The adjuster came to “adjust” the following day that I filed the claim. As of January 4th, 2017, I have not been contacted by the company regarding the status of my claim. I should’ve read the comments. I have learned.

  28. Yes, Universal (UPCIC), filed fraudulent docs without my signature
    to my Bank, Chase and obtained payment for coverage for
    home insurance I did not sign up for or authorized. The stupid people
    at Chase, paid UPCIC, which issued cancellation for incomplete application.. I filed a complaint against Chase, with the “Consumers
    Financial Protection Bureau 12/13/16 #[Redacted]…pending with
    Chase. Just trying to get ‘QUOTES”…and UPCIC did not obtain my signature on the forms…but they collected the money from Chase and
    clung to it like leeches.

    • Update: Universal has refunded $655.00 to Chase in 2 checks January 2017 after complaints to Florida Dept. of Financial Services, Consumers Division. They clearly committed fraud on Chase submitting false docs and claimed payment.

      No wonder they were fined $$Millions$$ for underwriting practices…they held on to that money 4 months before refunding it..if they are not leeches, what are they?

  29. Universal property insurance is terrible they delay and stonewall at everry turn do not use this co you will regret it should you ever need to make a claim!!

    • Say the truth, Universal absolutely sucks!

  30. I insure a condo with Universal. I checked the rates and found Universal to be very competitive. The company also offers a comprehensive condo package. I would highly recommend Universal.

    • Universal is horrendous. Look how many consumers sue them Statewide prior to commenting. Look how many agents are sued because they sold them. Finally​ look up how many civil remedy notices are filed. Almost 100 complaints a month.

      • This company is horrendous. We had slow leaks appearing about 6 months after Hurricane Irma. The general contractor painting our interior walls discovered that the walls were actually wet & suggested it was probably from my roof. I filed a claim in April 2018 with Universal. They sent out an adjuster who had NO experience with hurricanes as he had just graduated from college in Idaho! He took a couple photos and his sophisticated equipment consisted of a phone app to try to detect leaks! He then said he went on my roof & found no issues. I asked him if he found no issues then where were the leaks coming from to which he replied: “I don’t know”. He left and about two weeks later I received a check for $1200 from Universal insurance company that did not even explain what they were paying me for nor did it address where my leaks might be coming from! I had to hire a private adjustor, who had to get a leak detection agency to come dry out my walls, which required drilling holes in the walls & kitchen cabinets! They showed me photos after climbing on my roof of all the cracked, damaged & missing tiles. I had 3 estimates from roofing companies all in agreement that I needed a new roof. I also had interior damage plus more due to the walls, ceilings & cabinets having to be drilled to dry out. My estimated damages are $100,000, as detailed by my public adjuster. Universal ignored the adjusted claims sent from the public adjuster for 2 months. When pushed, they finally responded that I don’t need a new roof built offered me $20,000! That definitely won’t cover the cost of a new roof. Now an attorney has been enlisted, it is September and I remain with a roof in need of serious replacing during this hurricane season. I feel Universal purposely hires very under qualified adjustors, hopes you’ll take the pittance they throw your way and in my case, they blatantly lied about the condition of my roof, leaving me and my family VERY vulnerable during hurricane season. DO NOT USE THIS COMPANY TO INSURE YOUR HOME!!


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