Secured with SHA-256 Encryption
Select Page

UPC Insurance Review

FREE Insurance Comparison

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

UPDATED: Feb 1, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.


Premiums
Claims
Feedback
Financial Strength



N/A

Compare Insurance Quotes

Secured with SHA-256 Encryption
A Florida-based homeowner’s insurance company, UPC has survived multiple catastrophes and the difficulties of the Florida market of the past decade. Currently writing policies in seven states, UPC has big plans for the future.

UPC Insurance Summary

UPC Insurance was founded in 1999 and has managed to survive a very difficult time in the Florida property insurance market, with multiple major hurricanes causing other companies to close their doors in the state. They write residential property insurance including standard homeowner’s, dwelling coverage, and flood insurance.

UPC stands for United Property & Casualty, although the company uses the acronym officially. They are part of United Insurance Holdings and are among the largest property & casualty insurance companies in the state of Florida.

UPC currently writes policies in 12 states: Florida, Connecticut, Georgia, Hawaii, Massachusetts, Louisiana, New Jersey, North Carolina, Rhode Island, South Carolina, New York and Texas. They are also licensed in Alabama, Delaware, Maryland, Mississippi, New Hampshire, and Virginia. UPC’s focus as a property insurance company is on coastal states and areas at risk of catastrophic weather. They are planning to expand their operations into more states in the near future.

UPC policies are written through a network of independent agents, and currently, there is no online quoting system available.

Insurance Products

UPC writes residential property insurance covering a variety of home types, as well as insurance for renters.

Homeowner’s Insurance

UPC writes HO3 and HO5 package policies that cover replacement cost for the structure itself, personal property coverage, and liability coverage. There are additional options available in some states:

  • Identity Theft coverage
  • Scheduled personal property for high-value items
  • Equipment Breakdown
  • Water backup and sewer overflow coverage

HO3 policies are available in Florida, Massachusetts, North Carolina, New Jersey, Rhode Island, South Carolina, Connecticut, Georgia, Hawaii, Louisiana, New York, and Texas. HO5 policies are available in all of these states with the exception of Florida.

Condominium Insurance

Similar to a homeowner’s policy but specifically designed for the needs of condo owners, UPC writes condo policies that cover the portions of the structure on the interior for which the owner is responsible as well as personal property and liability.

Additionally, condo insurance includes optional golf cart coverage and an option for condos rented to others. Condo coverage is available in Florida, Massachusetts, North Carolina, New Jersey, Rhode Island, South Carolina, Louisiana, New York, and Texas.

Dwelling Fire insurance

UPC writes two forms of Dwelling coverage, DP1, and DP3, which are a more basic version of homeowner’s insurance designed for rental homes and homes that do not meet underwriting standards for HO3 coverage. These policies cover named perils and don’t usually include personal property unless it is specifically added.

DP1 policies are available only in Florida, while DP3 is available in Florida, Massachusetts, Louisiana, New Jersey, South Carolina, Texas and Rhode Island.

Renter’s Insurance

These policies are designed to protect the personal property of renters living in a non-owned home. They also include liability insurance and may have several of the options offered for homeowner’s insurance. Renter’s insurance is available in Florida, Massachusetts, North Carolina, South Carolina, Louisiana, New Jersey, Rhode Island, and Texas.

Flood Insurance

UPC writes flood insurance for all levels of flood risk. These policies cover flood damages that are not covered under a homeowner’s policy. UPC writes flood insurance in Florida, Massachusetts, North Carolina, New Jersey, Rhode Island, South Carolina, and Texas.

Commercial Property Insurance

The latest addition to the product lineup from UPC is commercial property, which is currently only available in Florida. This product is designed for apartment building owners and condominium and homeowner’s associations.

UPC Insurance Rates

Because there is no online quoting option available for UPC, it difficult to compare premiums. Products are sold through agents, so they are likely to be higher as a result of the need for commissions.

It’s also likely that prices may be somewhat higher due to the focus on catastrophe-prone areas where major claims are likely, although for homeowners in these areas higher premiums than less risky areas are already a reality.

Since every company uses their own criteria for underwriting policies, it is important to get a personalized quote in order to see how they stack up against the competition.

Claims

UPC’s claims reporting system is simple and straightforward. Claims can be reported in one of two ways; by phone through a 24-hour toll-free line or online through an easy to use claims form.

There is little information on the claims process, although the website does promise a 24-hour response time for a filed claim and a fast, easy process. Claims are likely processed in the same manner as most other insurance companies, with timing dependent on the complexity of the claim as well as the level of catastrophe in the event of a major storm.

Consumer Research and Complaints

UPC Insurance has a rating of A with the Better Business Bureau (BBB), and has been accredited there since 2003. There are 33 complaints on file in the past three years, and 12 of those were closed in the past 12 months. Those numbers are low for such a large insurance company, but may only represent Florida customers. There are no government actions against the company recorded.

The Florida Office of Insurance Regulation maintains a database of complaints against Florida homeowner’s insurance companies. UPC is listed under the name United Property & Casualty and had 78 complaints filed against them in the fourth quarter of 2016. That is a ratio of 1:2398, or one complaint for every 2398 policies the company has in force. That’s somewhat high when compared to similar companies.

There are very few customer reviews available under either UPC or United Property & Casualty, which makes it difficult to get a clear picture of how customers feel. This may be a positive thing, as people tend to write reviews when they are unhappy rather than when they are pleased with service.

Bottom Line

UPC is a major insurer in Florida and also serves several other states. For those who live in areas prone to catastrophic storms, they may be a company of choice due to their expertise in that area. They have successfully seen their policyholders through many major storms and have been around longer than the much newer property & casualty insurance companies that have popped up across Florida in the past decade. The company is well worth a quote comparison for those in their particular niche of the market, but may not be the best bet for lower risk properties.

For a list of companies that we recommend, visit our Best Insurance Companies page.

Compare Insurance Quotes

Secured with SHA-256 Encryption

Review Information

Summary
Review Date
Reviewed
UPC Insurance
Author Rating
31star1star1stargraygray

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.

82 Comments

  1. This is the worst most fraudulent company UPC INSURANCE.

    I had a water main break inside the walls of my house and when I called to file a claim.

    They immediately advised me that I had a job for a plumber and that they couldn’t send someone out to address the problem cause it was for me to fix on my own.

    I contacted an adjuster and it took 4 months for me to get the money to fix all the 2 bedrooms and guest bathroom that got flooded.

    Now I received a letter telling me that they are dropping my insurance and they will not renew my policy.

    I believe they are only there to collect your premium but as soon as you put a claim you get dropped.

    very fraudulent practice

    Reply
  2. Guys,
    I going thru the worst with UPC as well.

    Let’s all work together, as a group, not individuals and get this company exposed once and for all!

    Let’s get our voices out there on more then just these review sites.

    Reply
    • we should start a Facebook group called UPC insurance fraudulent practice

      Reply
  3. Hi – I am a policyholder at your company. Juliann Bridgeman – UHF289832100.

    I do not have a booklet showing what is covered etc…

    The only thing I have is Hurricane…Sinkhole…etc…

    any chance that I could receive a more thorough explanation?

    jbridge@rogers.com

    Reply
  4. DO NOT EVER USE THIS COMPANY…

    THEY WILL TAKE YOUR PAYMENT AND THEN CANCEL YOUR POLICY AT A TIME WHERE THEY WILL CHARGE YOU FOR AN EXTRA MONTH SO THEY CAN CHARGE YOU FOR THAT MONTH THAT THEY HAVE NO INTENTION OF COVERING YOU FOR.

    THEN MAKE YOU WAIT FOR YOUR REFUND CHECK AND OF COURSE, YOU CAN NOT TALK TO A LIVE PERSON ONLY RECORDED MESSAGES… AVOID AT ALL COST

    Reply
    • Why did they cancel your policy? Did you not do something which they requested or did you not pay your premium.

      As for charging you for an extra month and not covering you, that is against the law and state regulations do not permit that.

      It sounds like your policy was canceled because you might not have done something which they requested.

      You only paid for 2 months but your policy was for 3 months and you owed them an earned premium.

      Insurance companies can not charge you for coverage and not provide that coverage.

      What happens a lot of times is insured’s, like your self actually may owe the carrier for coverages which the carrier provided.

      Must remember all actions from a carrier is state-regulated.

      Reply
      • I was canceled because my roof was not up to their standards after the inspection.

        They gave me no notice and no advance warning.

        I have since received their refund for the remainder of the term after I called and canceled a month earlier than they were going to allow my policy to expire.

        The new insurance company sent an inspector out and yes my roof is close to the end of its life span.

        However, it does not show the extreme wear because of the trees that cover our roof and has several years of life left.

        Reply
    • I 100% agree with you.

      This company automatically denies a claim; they provide no substantive explanation of how they arrive at their usually erroneous determinations.

      They put all the pressure on the client to do the necessary research to prove them wrong.

      Reply
      • upc is a disgusting bottom feeders insurance company they need to go where the sun doesn’t shine.

        After an experience with them, one will have a nervous build-up.

        First of all real estate companies will push you to get upc insurance after they sell you a property.

        Granted you are paying the premium, but its the real estate company is the insurance agent that is useless. that you the policy owner and your money goes to these bottom feeders.

        They never settle any claim, if they can avoid at any cost, and then they switch up adjustors.

        Two face ugly company called upc, insurance avoid at any cost, they are a rapist mentality insurance company…and racist from my experience.

        I dare upc to prove me wrong.. I HAVE ALL DOCUMENTS. AND WILL REPORT OF UNETHICAL BEHAVIOR OF THE ASJUSTORS AT THIS INSURANCE COMPANY.

        I never had any claims in y life on break in my condo, but yet UPC, PUT ME THROUGH SO MUCH GRIEF, THAT I AM STILL RECOVERING FROM.

        LAWSUITS COMING THEIR WAY… CLASS ACTION,

        Reply
  5. I was shopping for home insurance and was given an affordable quote by UPC,

    Luckily I found these reviews and no way I would give them my money and my home.

    so UPC you have one less victim. Best wishes and Thanks to all the reviewers.

    Reply
  6. To summarize right up front, PLEASE DO NOT GO WITH UPC!!!

    I have been with them for 7 years. Not a single claim.

    My roof began to leak after a storm, with shingles missing, and they only wanted to fix SOME of the roof.

    Which ended up being less than my deductible.

    So on top of having a silly looking, mismatched roof, I have to come up with money to fix it.

    Where does all my money go and why do I HAVE to have insurance when I’m just going to end up paying for repairs myself???

    Bad company. Don’t go with them!!

    Reply
    • Go with a Public Adjuster, you have 3 years to file a claim after date of damage.

      They’ll get your roof replaced and take no more than 20 percent of additional monies recouped from the insurance company.

      I’ve worked Irma and Michael damage as a mold assessor and have seen firsthand the unwillingness of insurers to indemnify their clients.

      Best of luck to you!!

      Reply
    • Mark homeowners insurance is not there to replace your worn-out roof or home material.

      Homeowners is there to cover major losses. It sounds like your roof was past its prime and should have been replaced by you.

      But instead, you are like a lot of home ower you want the insurance company to replace your roof.

      You must remember that is not what insurance is for.

      They did follow policy by stating they would replace the damaged shingles and any damage inside, but it was below your deductible.

      Another thing you must remember is that for every fraudulent claim you want to pay out every one pays in the long run.

      As for an independent adjuster, his fee come out of your final payout. Insurance carriers do not pay for that extra fee.

      Reply
  7. Third Rate at Best–Go Elsewhere!

    We are nearly 4 months from our water-related incident and the company has paid less than 1/20 of the claim.

    The adjuster never answers her phone and I only received a response after speaking to her manager. Following that, he wouldn’t take the call anymore as I had to deal with her. The adjuster has NEVER ONCE called back.

    Emails to the claim address are ignored as apparently an extremely detailed and itemized summary of all the work done submitted by a contractor with extensive experience and strong reputation in SW Florida.

    I only correspond with the company when I call repeatedly. The original adjuster has already quit so we are using someone who isn’t even familiar with the claim except for the work submitted by one of their adjusters showed up for a grand total of 12 minutes (after 10 days of asking)–never listened once to the contractor; took several pictures, and left.

    Since then, that has become the “standard” by which to judge our damage which has taken over 3 months to fix, including full-time air scrubbers to allow workers safe access to the house due to the mold infiltration.

    When confronted with the suggestion that the person we hired was very experienced and thorough, the manager’s response was “we get that all the time.”

    Where this kind of business is all about reputation, I can safely say that I will actively recommend against this company to anyone who asks.

    Ironic that we could get an email and auto-cancellation notice if the premium is not paid on the exact day it is due, but when the tables were turned and we needed them, there was absolutely no sense of urgency.

    The worst thing one can say about an insurance company: they really don’t care.

    I get it that insurance fraud is rampant, but as many say in these reviews, they might allow for the small possibility that some claims are actually legitimate.

    Reply
  8. My husband and I are both teachers, so pay is always a tough subject. But, we dedicate our lives to young people, we even adopted our foster children.

    We love kids and that is always our main focus. We are victims of Hurricane Michael and our children/students need us so badly.

    Sadly, we are not able to give our students our entire focus, because we trying to fight with this company to get our home fixed.

    We have been denied the repair of a large crack in our home. We provided many forms of proof showing that this storm was not there prior to the storm, but they are still denying us.

    This is a company that is part of our home state of Florida and they don’t want to help their fellow Floridians.

    Reply
  9. I have had 3 different adjusters and 3 different field adjusters, I was waiting for a call back each time only to find out they no longer work here or they had been switched to another department. They could not give me an amount they would pay to cover the labor cost to replace my roof. I provided 2 roofing estimates and neither were good enough (would say it was not itemized enough). They claimed the cost of nails for the roof was included in the cost of doing business?? Finally, [Redacted] called me to let me know how much the check would be and made me aware they were also going to cover the food lost and 2nd Fridge we had. I had to ask for a supervisor and my Adjuster [Redacted] told me she could no longer cover the cost of the food or the 2nd Fridge we claimed…. I was so shocked I started crying …I told her I can’t believe how mean she is and I have kids and this money would help us, all because I asked for a supervisor…!! Then she told me they miss quoted me my deductible and it would go up… she called me while I was at work and I was so upset the rest of the day.

    Reply
    • You should have called your agent for help. That is why they are there for you.

      Reply
      • OH MICHAEL C, SO WEICHERT REALTY, AFTER PUSHING TO SELL UPC INSURANCE TO A HOMEOWNER,

        THE HOMEOWNER SHOULD have CALLED THE REAL ESTATE COMPANY WHO DOUBLE DIP, AND GOT COMMISSION, ON POLICYOOWNER PAYMENTS TO UPC.

        SO IN RETROSPECT, WHEN A POLICY OWNER HAS TO PAY YEARLY RENEWAL PREMIUM, THY SHOULD SEND THE CHECK TO THE REAL ESTATE.

        BULLS@$# BLOKE, YOU ARE, WITH THE UTTER RUBBISH COMING FROM YOUR BACTERIA MOUTH

        Reply
  10. Awful insurance company!

    I started my policy in January 2018 and an inspector came to the home in February during some work I was having done to the home (roof replacement)

    Fast forward to December 2018, I received a non-renewal! It indicated that my roof was in “disrepair” yet when they came to inspect my home, it was IN THE PROCESS of being replaced, which was very very clear due to the staging set on the roof, the tarps, and a very visible dumpster in the driveway.

    No one from the insurance company contacted me before then to ask questions, just waited until a little over a month before my policy ends to say anything about it.

    Now I can’t get any information as to why this occurred!

    Timely payments and zero claims apparently mean nothing to this insurance company.

    Reply
    • Consider it a blessing they dumped you.

      Reply
  11. This is the worst company ever. They have made every excuse not to cover my wind/hail policy after Hurricane Florence! I have ruined hardwoods and baseboards from this storm and was told *the storm did not cause those issues* all but calling me a liar. I spoke to my local agent about this and was told this is not the first time she had heard them denying to pay a similar claim. Anyone else who has suffered damage from Florence or Michael that are with this company good luck! They are CROOKS!

    Reply
  12. Many thanks for all these reviews. I was considering switching from my present insurance company but I think it will be a terrible move. Thanks to the reviews.

    Reply
  13. I am a Realtor who has attempted to assist a client with an insurance claim through UPC. It has been over two months since the original claim was submitted. The claims department has been a complete nightmare with which to deal. And…he still has not received monies to replace the items that were stolen from the house (even though we submitted the initial police report). I would highly recommend to anyone purchasing a home NOT to chose UPC for your insurance needs.

    Reply
    • contact the agent. They should be able to help you in this matter.

      Reply
  14. Seems one person with a bad experience, probably not covered anyway due to neglect has left so many bad comments. I.e. Sal/anonymous. I for one have been more than pleased with the claim service and my rate is way less than my neighbors. If you have a legit claim you have nothing to worry about.

    Reply
    • You must be an employee………You don’t know the circumstances so your comment is not warranted!
      I suffered over $100,000 if damages due to IRMA here in Florida and it’s been like pulling teeth to have UPC authorize insurance payments.
      AND BY THE WAY, I AM AN INDEPENDENT INSURANCE BROKER FOR OVER 40 YEARS!!

      Reply
      • Sal I feel your pain!! I live in Naples and have over 400K in damage to my house. My house is totaled and my family is currently living in a rental. I’m on my 6th desk adjuster, 4th field adjuster and still nowhere. The damage is evident and I’ve gone to the top of the company and they don’t care either!! There is no follow through and customer service cant answer any questions. Sending thoughts and prayers to anyone who has damage from Hurricane Irma and is unfortunate to have this company!!

        Reply
      • The worse insurance I ever had .

        Reply
      • Your claims are totally ridiculous, I have had UPC pay many windstorm claims for multiple clients including the major hurricanes over the last 6 years. Perhaps you failed to do what they required, we see it all the time from customers, just because you have an issue, you think you don’t have to follow rules, believe it or not, many times people lie, and that’s what the insurance companies are checking out, perhaps your damage wasn’t from a storm but really from neglect, that occurs –some people think that an insurance company is a piggy bank. All I can say is with over a dozen major companies in our office and over 1000 policies with UPC, I’ve never seen them NOT pay a legit claim, perhaps you need a new agent and report facts, not emotion… Those that attack the company are more than likely in my experience with over 200 claims from hurricane and wind storm, not doing what they have to to get the claim processed, they are looking for a paycheck and usually are stretching the truth ! Yea is every company fast, NO can they be slow, yes… but they are in the bIZ to spread risk and pay claims, and they do it, I have over 200 claims with UPC in 6 years , the comments here sound made up if my experience is any indication…

        Reply
        • Wow! Incredible how you can be so all knowing! Do you have personal experience with any of these situations? Do you know any of these people or the losses they have suffered? Perhaps you should reserve obnoxious comments like these for situations in which you have first-hand knowledge! Or stop trolling.

          Reply
        • I had to get a lawyer for a claim they denied for water damage that was obviously started behind a wall, but they would not send anyone out to further investigate the origins, just denied the claim as they asserted it was not “hidden” behind a wall. I had to pay the contractor to do the tear out and mold remediation, and it was not only behind a wall, but it was also within the concrete cinder block. It took almost 2 years but I was able to get some money from them, via litigation, but it was nowhere near enough to repair all the damage after the lawyer took his cut. I feel I was scammed, twice.

          Reply
        • UPC sucks, that’ all there is to it.

          The experiences described here i.e. no communication, musical chairs in terms of adjusters, slow walking everything and NOT PAYING CLAIMS is exactly my experience.

          Hurricane Florence ruined our home, living in a rental and they won’t even pay loss of use IN THE CONTRACT!

          I have to get a lawyer and fight, which could take years.

          But what I am going to do is sue my broker.

          I told him what I wanted in terms of coverage and he put me in bed with gangsters.

          So he’s getting hauled into court as well.

          For all those who say UPC is great, they’re either liars, cheats or morons. But don’t believe them.

          Reply
        • Jack, you must either work for the company or you are getting paid.

          This company wants to take your payments but as soon as you put a claim you’re been dismissed not renewal on your policy.

          Simple don’t ever file a claim you’re good, file a claim you’re gone

          Reply
      • Sal I am at my wits end too!!! I have around $800K worth of damage on a waterfront home in NC, that was damaged in Hurricane Florence.

        I lost my husband in feb 2018 and my house in Sept! My home is uninhabitable, I am in a rental, hopefully, I get full reimbursement for that (they have reimbursed me what I have billed them for)

        I have been passed to 4 different desk adjusters, and I believe 3 field adjusters. I have hired one of the top contractors in our area, and I had a construction consultant from Charlotte assess how the house should be fixed (we are having water come in from everywhere still, but we only lost 2 shingles?)

        UPC does not agree with my consultant or contractor, I have asked UPC to send me a contractor on their end, to meet with my contractor they said they can not do this, as there are no approved contractors that are taking new claims.

        I will do whatever they ask so long as they pay to put my house back to pre-hurricane status. Isn’t this their obligation??

        I am very worried that as the damage to my house could get worse while UPC makes there decisions, I can only protect it so much.

        How long is long enough to wait for an insurance company to decide to cover what you paid for?? I am just heartbroken and sick over all this!!

        Reply
      • Sal your right, we don’t know the situation. What you are claiming a lot of times during named storms coverages are not there.

        As an independent broker for 40 years, you should know how to get this resolved.

        I too am an agent for over 35 yrs, and never had any issues with claims for myself or my insureds.

        Just have to know the policies coverages and know who to speak to.

        Reply
  15. UPC Insurance far exceeded my expectations. The customer service I received from adjuster [Redacted] was so above and beyond anything I could have wished for. I couldn’t have been in a more vulnerable position…my spouse had recently died and now I had to go out of state to care for my dying mother. The water leak in my home was found the day before I had to fly out and I had to deal with the entire claim over the phone. I had quickly signed an email contract with a “dry-out “ company to find the leak, document the damage and dry out my home. I was unaware I was also hiring them to do all the repairs and paying them to supervise the repairs. [Redacted] not only advocated for my release from the contract but kept me up to date on the status of the claim. After my mother passed away, I returned home and a check was quickly issued to me to start the repairs. [Redacted] even offered to send me a list of contractors UPC recommends. I don’t know how I would have gotten through all this without her on my side. [Redacted] exhibited compassion and professionalism every step of the way. I can’t imagine EVER using a different insurance company.

    Reply
    • you are a liar. not generalize by upc, you will lie just because of plain talk bad manners

      Reply
  16. We purchased a UPC homeowner’s policy in October 2017. We were switching insurance companies so we paid out of pocket. Our mortgage servicer was notified by certified mail and we received a letter in November 2017 stating that the UPC policy had been verified. It was paid in full until 10/10/18. On 2/6/18, our mortgage servicer disbursed a homeowner’s insurance payment to UPC without any written notice. This disbursement drained all of the money out of our mortgage escrow which had been fully funded. The mortgage loan servicer than put an escrow advancement in our escrow. UPC website shows that they received payment on 2/14/18. After repeated contact, we were told that they would refund the payment on 2/27/18. Their website shows that they have not issued a check. UPC and our mortgage servicer intentionally withdrew all of the money from our mortgage escrow to put our mortgage in default. Our escrow account has a balance $141 because of UPC. Don’t do business with them.

    Reply
    • It sounds like your mortgage company didn’t do their job.

      First of all, you would have gotten a notice from the mortgage company stating you need to provide insurance coverage.

      At that time YOU should have notified the mortgage company that you had insurance coverage.

      Provide them with the name of your agent and company.

      The mortgage company then would have called your agent to update insurance coverage and the mortgagee clause on the policy.

      Once this was done everything would have been up to date.

      The issue lies with you, you can not assume your mortgage company and UPC know what you are doing.

      I simple phone call could have prevented this mess.

      And your mortgage does not default over escrow.

      By law you can not be double coverage so go to one of the carriers and cancel the policy and refund will be issued.

      Reply
      • What one will do for a paycheck.

        Remember karma is not fooled by your intentional lies. Michael , C,

        Reply
  17. Absolutely GREAT customer service !! I had a small leak in my basement behind an enclosed wall. UPC sent a claims expert to my home. Not only did they pay to fix my kitchen cabinets that were destroyed BUT they also paid to replace the upper cabinets that weren’t damaged because I couldn’t find matching cabinets to my existing ones. The agent was personable and resolved my case quickly. They also shave $-319 off my year coat with better coverage then Geico provided me. I would absolutely recommend using this company for homeowners insurance !!

    Reply
  18. This is the worst company to work with. UPC won’t accept the estimate from the builder for repairs. The amount they are allowing for the claim doesn’t even cover the cost to rebuild and the deductible is taken off that number also.
    They add in depreciation costs on all new building materials. Being in construction for 33 years I never heard of such a thing. There is no way I can rebuild given their estimate. Going to the top honcho at UPC with this.

    Reply
  19. The fact that they make it unbelievably hard to contact them, shows how crappy this place is. I canceled my insurance with them 5 months back and have yet to receive my refund.

    Reply
  20. 5 stars.

    I am browsing through all these comments and I cannot believe what I am reading.

    UPC not only cut my rate in half, but they paid above and beyond what my pipe burst claim was estimated at. They actually were very compassionate as my home was destroyed. We are up in a hotel now and all the expenses are being paid under “loss of use”. The adjuster took a couple days to come by but it was the coldest week in NY so I’m sure the company was inundated with many other claims. I’m wondering if any of these reviews are even legitimate. Nothing but a great experience with UPC and Interboro.

    Reply
    • You are either one of the lucky ones or an employee of UPC.
      The company is so bad I filed a complaint with the states attorney office and am contemplating hiring a lawyer!!

      I went to Atlanta to avoid IRMA (Florida Hurricane) and upon my return submitted my expenses and only 75% were paid. The others were not approved which included dining! I have received a summary of the payments that UPC will pay which doesn’t even come close to covering my expenses on quotes I received to make the necessary repairs. I have also gone through 3 adjusters and have several inspectors from UPC.

      Reply
      • I was guessing an employee as well! We are still not living in our home as a result of Irma and have no idea when we will be. We have moved 3 times since the storm and will be moving again. We can’t even get a response from UPC. Nor can our public adjuster. We are on at least our third desk adjuster. No idea when we will reach a settlement and then we have at least 3 months of repairs after that. I will be amazed if we are back in our home by the one year mark of the storm. This company is an absolute joke! They clearly have no regard for the fact that I am bouncing my family of 5 around while they ignore us. Nightmare!

        Reply
        • Sorry, Caron… I’m definitely not an employee. I’m sorry about your situation.

          Reply
      • I too have filed a complaint about UPC, in my case through the State of Texas Insurance Regulatory Agency.

        They held a refund for a canceled policy for a month before releasing the funds, and then only after my local Insurance Agent repeatedly called them and still kept getting ‘the check is in the mail’ comment.

        It is telling that they do not respond to emails through their ‘customer service’ … what a laugh … and do not include a phone number in any written correspondence. For grins, try and find a phone number for them on their website … other than ‘Customer Service Ignore.’

        4th rate company at best … avoid

        Reply
    • When I put in a claim they were inundated with regional damage from Irma. I was getting offended cause it was 2 weeks waiting for the adjuster, 2 weeks waiting for a claims agent, 3 weeks more for a check and then no breakdown to allow my lender to sign off it. But when the dust settled they paid the claim fairly and called to apologize stating they had been slammed and did the best they could. I feel satisfied, things could have been much worse.

      Reply
    • My response to Dena Pesce is that I am happy for you that you got what all insurance is supposed to behave and respond when there is a need and crisis hits home. This is my reality! Came home to a flooded downstairs. Everything damaged. Our stereo system damaged. This is truly hardship and painful.
      I am not kidding you when I say UPC is horrible. I have to get my home tested for air quality (at my expense) and they have upped my premium by over $1000. They gave me a quote and even sent me a bill and later told me that the initial bill was incorrectly underwritten. They admit that the initial quote that I paid in full was in error. But not willing to accept the mistake and billed me a higher premium. You must be a lucky homeowner. Not me!

      Reply
    • deana pesce, just wait to you file a claim, then let us know, you will be a non renewal terminated

      Reply
  21. NEVER use UPC as your home insurance. My home was flooded not due to Hurricane but from a water line that busted and water from vanity restroom to the entire first floor, wooden flooring and kitchen cabinets damage. UPS did not help find a water mitigation company. I had to do it myself. Initially, my claims officer, [Redacted] assured me that they will pay the water mitigation and later said no. I had to pay the water mitigation company directly. Once all work is completed after 16 weeks of repairs and living upstairs and no use of the kitchen, I submitted the invoice from my contractor and photos to get the recovery depreciation check, as stated in an email from [Redacted]. Now he will not approve the recovery depreciation because I went to a more cost-effective contractor. He is encouraging fraud. I could have asked my contractor to hike the cost and submit and pay the contractor only the amount repaired. [Redacted] acknowledges that I should have gone to a contractor that would repair close to the amount approved. We had 3 contractors, one for the estimate over $36,000 and second over $29,000 and a neighbor’s friend could do it for less than $20,000 because we went for cheaper wood flooring to be more cost-effective. Because I was honest and cost-effective conscious, I get penalized for not being approved for my recovery depreciation check. [Redacted] wants to keep his job and get his annual bonus for cost saving without regard to customers and encouraging fraud. STAY away from UPC. Spread the word!!

    Reply
  22. Horrible horrible and even more horrible! The story is too long and the details many, but the short version is that we are STILL displaced from our home after Hurricane Irma in September, and no idea when we will return. However, we had to return temporarily because UPC dropped the ball on our next temporary house. So we had no choice but to bring our children home to half of a house, with mold and contaminated water. We contracted with a public adjuster early on and after a few weeks of working with them and UPC, UPC sent a message saying that they will no longer respond to us. REALLY?!?!? We are the policy holder, living in temporary housing, holes in our roof, mold and water damage inside and they won’t talk to us!!!! I just received a call that an engineer is finally coming to our house tomorrow and I was instructed that I can not speak to him. Wow! I am 49, my husband is 63 and we are both professionals and business owners, yet we are being told who will talk to us and who we can not talk to. I have never witnessed such incompetence in my life!

    Reply
  23. I have a feeling UPC is totally overwhelmed and operating with an army of temps. The utter unprofessionalism of existing claims department speaks volumes. Leave you on hold 15 minutes then disconnect you and repeat same. Send you a 3 party check with no breakdown to enable you to get it endorsed by your mortgage holder. When the dust settles all insurance companies by law do the same job but some are professional operated and others are boobs

    Reply
    • They are totally incompetent! U have a several thousand hurricane deductibles and I received a check with no information indicating that the hurricane deductible was deducted from the check received.

      My agent in my opinion instead of helping continues to provide me with excuses as to my claim.
      My agent wants me to provide proof that we were under a mandatory evacuation in order for me to be reimbursed when we left Naples to go to Atlanta.
      I asked the agent to tell me what page and paragraph it states a mandatory evacuation is required.
      But anyway I sent her copies of the evacuation from WINK news and information from Collier County Emergency Management Center in which they ordered an evacuation!
      I HAVE BEEN A LIFE INSURANCE SALESMAN FOR 40 YEARS AND PRIDE MYSELF ON HELPING MY CLIENTS AND THERE RELATIVES WITH LIFE INSURANCE AND ANNUITY ISSUES. I DON’T CHARGE A PENNY AND PRIDE MY SELF ON PROVIDING SERVICE.
      Here’s the kicker, the inside adjuster reimbursed me for repairs on my roof. I asked her how was it determined a repair was required and not a replacement?
      She stated a specialist determined the damages.
      My reply was how could a specialist determine the extent of roof damages when he/she never came out to inspect the roof?
      I also requested the credentials of this so-called specialist which I have yet to receive
      BUT THIS COMPANY IS USELESS!!
      I wrote to [Redacted] States Attorney filed a complaint and in the process of hiring an attorney!!

      Reply
  24. One of the worst companies I have ever dealt with.
    It took several weeks to send out an adjuster who must have been 20 years old who stated he was from Texas (We are in Naples FL).
    Together we toured the house and he submitted his report to the inside adjuster.
    After several weeks I was informed the majority of my claim has been denied.
    I have a metal roof that was damaged and cannot be repaired and they are allowing for repair, not replacement.
    THIS AND TALKING TO THE REP ARE DISRESPECTFUL AND DO NOT SEEM TO BE SYMPATHETIC NOR DO THEY WANT TO RESOLVE THE CLAIM TO THE CUSTOMERS SATISFACTION.
    Notes as of 10-31-2017

    Received a call today (Oct 31, 2017) from [Redacted] denying claims but for roof repair. Emailed [Redacted] see email dated 10-31-2017 which included roof pictures.

    [Redacted],

    I am deeply disturbed at the way my claim has and is being processed.
    I received a call today (October 31, 2017) from [Redacted] who informed me that my claim for the wood floors, sliding glass doors, food loss has been denied and that a check for approximately $9,000 will be sent to me for repairs for the roof, not replacement!

    Sliding glass doors are damaged by rocks pelted the glass doors and the surface frame!
    Floors in front of glass sliders water damage and in the kitchen from supplies in refrigerator melting!
    Lani completely destroyed!
    Floor in Lani needs to be refinished

    I asked [Redacted] who will do the repairs and she stated that it will be up to me to hire a contractor.

    This roof is not repairable. It has substantial damages and under the “match” law the entire roof needs to be replaced. NO WAY CAN THAT ROOF BE REPAIRED AND MATCHED!! THE FINISH WAS COMPLETELY BLOW OFF THE SHINGLES INTO THE GUTTERS AND ONTO THE GROUND
    Refer to pictures attached

    [Redacted] proceeded to deny the claim for the food loss in the refrigerator stating I do not have this coverage???

    SHE ALSO STATED THAT SHE NEEDS TO VERIFY THAT WE WERE UNDER A MANDATORY EVACUATION ORDER IN ORDER TO BE REIMBURSED FOR THE STAY AT THE MARRIOTT IN ATLANTA GEORGIA!!

    This is a pic I have from [Redacted] news, which demonstrates the evacuation zone. The top right corner of the zone is the corner of Radio and Santa Barbara. The far east, right corner, that’s Radio and Santa Barbara.

    THIS IS ABSOLUTELY UNACCEPTABLE!! IF THE ABOVE CLAIMS ARE DENIED I WILL HIRE AN ATTORNEY TO DEAL WITH THIS CLAIM.

    I will NOT cash the check! In calling contractors they are informing me that any estimates and or repairs will have to wait approx 4-6 months (April 2018).

    I called [Redacted] and was told she is reviewing the claim. I called [Redacted] and talked to Rose and explained the situation to her. Shortly thereafter I received a call from [Redacted] who said what is outstanding on the claim is that the adjuster is seeking information on the roof BECAUSE IT IS A SPECIAL ROOF (METAL) AND IF IT CAN BE REPLACED OR REPAIRED.

    I proceeded to ask [Redacted] about the additional claim for lodging food and she stated that the original receipts should have been taken to the adjuster who told me he did not require them and that they should go to the inside adjuster. BUT I HAVE NEITHER ADDRESS NOR ANY EMAIL TO SEND THEM TOO.

    I requested [Redacted]’s email and she would not provide me with her email address so I could send her the receipts.
    SHE ALSO STATED THAT THE LODGING CLAIM SHOULD HAVE BEEN FILED WITH THE ORIGINAL CLAIM (THAT THE ADJUSTER FAILED TO FILE) AND THAT IF I FILE IT NOW IT WILL DELAY THE ENTIRE PROCESS.

    SHE STATED AND INFORMED ME THAT I CAN FILE THE LODGING CLAIM AFTER THE FIRST CLAIM HAS BEEN SATISFIED. I ASKED HER SPECIFICALLY UNDER THAT SCENARIO WOULD IT BE DETERMINED AND POSSIBLY DENIED BECAUSE THE FIRST CLAIM THAT EVENTUALLY WILL BE FINALIZED JEOPARDIZES THE LODGING CLAIM AND SHE SAID IT WOULD HAVE NO EFFECT.
    [Redacted] said she would get back to me today (Oct 9 2017or tomorrow Oct 10, 2017).

    Received a call from Collier County and was told a permit cost is approximately $150.00 and can be issued in 5 to 15 business days BUT NEED a spot survey and to call records to see if I have such a survey.

    I called Collier County records and talked to[Redacted] [Redacted to determine if I have a spot survey (Spot survey [Redacted]). [Redacted] has to order files and will call me Monday, October 9th to let me know if I do or don’t have one. If I do I need to go to the county and pick it up.

    Rvcd a called from inside adjuster [Redacted] [Redacted] Ext [Redacted]. She asked if an outside adjuster has been scheduled and I notified her that [Redacted] (outside adjuster) came out. She has no information and I provided her with my information and gave her info on the damages. She stated she would get back to me by end of week and will call [Redacted] the outside adjuster.

    Evacuation order left for Marriott in Atlanta on September 6th and returned to Naples on September 17th, 2017.
    No power upon return until September 20th, 2017.

    Contacted [Redacted] for Insurance info (Refer to [Redacted]’s e-mails)
    UPC Policy # [Redacted]

    On September 14th, 2017 called United Property Casualty (UPC) and talked to [Redacted] [Redacted] who said he would arrange for an adjuster to contact me. He provided me with a claim, # [Redacted].

    Rvcd a call from [Redacted] [Redacted] who arranged for the adjuster who is coming out on September 26th at 2:00 PM.

    9-26-2017 Adjuster [Redacted] came out to inspect the damages. He went on the roof, sides of the house and inside of the house. I reported the floor the lanai the bushes the roof the damage to the lani door. [Redacted] took pictures and will give them to desk adjuster who should call me in a week or so.
    [Redacted]’s phone is [Redacted]
    Email – [Redacted]

    I can go on and write a book on this claim

    Reply
    • hurricane irma tore off my roof shingles to almost entire roof no leaks but upc said they are taking off 6500 for old roof? home was built in 2003 they sent a a check for 2k to me lol not cashing it, oh and forget about the sofits and gutters torn down also water got into sheet rock in garage would need a miracle to get my home fixed for 2,ooo. wish I never had them for insurance.

      Reply
    • UPC insurance is a joke. I have only one question. Are there any Class Action Lawsuits against this company? If so, I want to add my name to the list.

      Reply
  25. This is my worst experience with an insurance company having owned a home for 35 years.Filed a claim immediately after Irma. Was told by the UPC desk adjuster that there is no hurricane coverage when it is a result of a named storm. What? All hurricanes are named. Then was told in the sly wording of the policy that we are not covered for hurricane damage to the pool cage and even if we were, screens are not covered. What? They are the commonly damaged part of the pool cage. A/C stopped working and replacement was advised. That is not covered under equipment breakdown as that it is a direct result of the hurricane, as I was told by UPC. However, the repair to get it minimally working is being put through as a hurricane claim not the recommended replacement. The double talk and unprofessionalism exhibited by this company including the RUDE desk adjuster is beyond words! I’ve had it with them! Feel sorry for the number of Irma victims that have likely been fooled!

    Reply
    • I feel your pain, was told I have $13K + in damage beyond the house but policy limits are $4260 and I have a $4260 wind deductable! Havent seen a dime from FEMA,SBA or UPC. Feeling unloved

      Reply
    • I totally agree with all you have said. I have never experienced such rudeness and double talk from anyone. No matter how many times I ask for my claim status I am told they still need additional info from the outside adjuster who visited my property 4 weeks ago. The blame just keeps shifting from one to another. I would never recommend this company to anyone.

      Reply
  26. Today, 23 October 2017, I am receiving a notification that UPC Insurance is not going to renew my policy at its expiration date (1 March 2018) due to “…exposure management… blablabla… bsbsbs…”. This on the back of having installed hurricane impact windows at my condo unit, and not having filed a single claim since having taken out insurance coverage. UPC has taken over this policy from a few years ago, and I am shocked to see that one active hurricane season triggers their readjusting their portfolio and dropping customers left and right. The State Insurance Commissioner should very carefully review their practices and take any insights into consideration when dealing with them.

    Reply
  27. The absolute worse experience ever!!! I would not recommend this company to anyone for anything… I filed a claim on 9/12/17 after hurricane Irma, I have yet to know the status of my claim. I’m calling everyday and sending emails as well as the online form to check the status and still no reply.. Very frustrating. So far, they have NOT kept the promise .

    Reply
    • Ditto here. Still no adjuster by Oct 21. Calls and emails are just exercises in futility. Borderline scam outfit.

      Reply
      • Ash Doshi
        Same here the Adjuster just does not pick the phone up nor does the supervisor.
        The company should be brought to court by the state to make sure they expedite the claims quickly .
        Should have stayed with state farm no drams like these.
        [Redacted] operation to con home owners at a venerable time.

        Reply
        • THIS IS TRUE, UPC NEEDS TO DO THE RIGHT THING, BECAUSE ITS THE RIGHT THING TO DO.

          CLASS ACTION LAWSUIT.

          Reply
  28. I have to say that when hurricane Matthew came thru and damaged my roof and shed, I had a horrendous time with the first adjuster. He was AWFUL!!! After SEVEN months trying to deal with that pr*ck, even calling to speak with HIS supervisor and leaving a vm that I would NEVER speak with that man again (who never even bothered to return my call) it only took ONE more phone call to get to a really nice, precessional man who took care of everything in that one call (that the jerk couldn’t do in SEVEN months!)
    I was at my wit’s end, frustrated, anxious and ready to hire a public adjuster when I finally got ahold of the man that changed everything.
    I told him about everything that has been happening and how awful the other adjuster had been. This wonderful man didn’t even know what the first jerky man was doing (things he clearly didn’t need to be doing other than to make my life hell). I had sent in three estimates, he said that was fine and took care of me from then on.
    I don’t know why they use people that are so ride and nasty, but I’m very, VERY glad I spoke to the second one who immediately said he would help.
    It was like night and day.
    After 8 months everything was finally finished. What a relief!
    So in one claim I had the WORST experience and also the BEST one….

    Reply
  29. 2 years and 4 months later…… these sorry and pathetic excuses for human life have YET TO PAY OUR CLAIM! Total loss house fire with well over $500,000 in losses. Our family has been torn apart by this and I have missed very precious non replaceable moments with my children due to this. These people are simply awful. Our lives will never be the same and they can care less. These people have to be the most heartless people on the face of the planet. Rude adjusters, terrible customer service and just terrible service overall. That’s what is returned to us after paying good money for our policy.

    Reply
  30. Worst insurance company ever. My policy is not going to be renewed according to my agent. Reasons being roof in disrepair! They were so slow to get it inspected and then months to get payment, but finally got new roof, 50 year Certenteed Arc. style shingles. House was renovated completely when we bought it in Aug. 2016. Now has new appliances, new bathroom fixtures, new garage door, all new furniture, and getting a new garage built on the pad and driveway we had put in in March! However insurance co says home is in disrepair having not seen it at all!!! Some Company!!!!!!!!! Again as stated in other reviews, very bad treatment of customers and claims!

    Reply
  31. UPC Insurance told me 48 hours to get something done on a leak at my house, been going on over TWO WEEKS and all they are doing is avoiding me and my calls. What a waste of time and money.

    Avoid UPC Insurance at all cost. Unreliable and completely unprofessional.

    Reply
    • Gabrial,
      I’m experiencing the same problem . Did they ever resolved your claim?

      Reply
      • Same here. Adjusters are very rude. Quick to tell you what they won’t pay for without reading your policy thoroughly. Want receipts for everything. Very unconcerned and no type of compassionate. I haven’t had a kitchen and down stairs bathroom since October 2016. When my claim is done, I’m done with them. I argued with adjuster so much I caught an anxiety attack bp sky high arm hurting chest pains had to go to ER to get checked out to make sure I wasn’t having a stroke. Not a good company.

        Reply
    • Me also!!. I called to notify them I had a leak underneath my foundation (hot water line) they were quick to give me a claim number and told me someone will contact me in the next 16 hours. that was last Wednesday 10-25-17. I am still waiting the phone lines are horrible and when they do pick up they are quick to tell you they are backed up. I took pictures of all my damages. thank God I had to break two walls in the house (small holes) to reroute the lines thru the attic. this people are highly inefficient.

      Reply
  32. I am very pleased, although I can attest to other complaints I have read. My home has a steep roof 12 pitch in most areas. After having about 2 roofing companies knock at my door offering me free consultations and they were very persistent about me filing a claim with UPC and they would help me with all the paperwork. I knew I had a problem with my roof even if I didn’t have a water leak. I decided to handle the claim process myself and after an initial claim and 2 field adjusters later I finally had a field adjuster come and inspect my roof after 3 weeks. Which I was told would be recommended as a complete roof replacement recommendation to UPC. After waiting 4 weeks more i finally got an answer about why my desk adjuster had not contacted me or completed my claim. I was given the excuse that the assigned desk adjuster had resigned and I would be getting a new desk adjuster. Well this new desk adjuster took care of my claim the same day he received it and responded to me with his cost estimate for replacement. Let me tell you that this was a great response to all my waiting ( funds were generous enough for the job) I can see why the roofing companies were so persistent. Lucky for me I am very patient.

    Reply
  33. NEVER AGAIN WILL I USE UPC, they took a week to even get back to me after a claim, not to mention I had no where to go and was pregnant, with a mold growing on the walls and was told not to move my dead cat FOR 4 DAYS BEFORE I DECIDED TO BURY HIM. HAD 3 FEET OF WATER IN MY HOUSE THE WORST IN MY NEIGHBORHOOD TOOK THEM OVER A WEEK FOR AN ADJUSTER TO EVEN CONTACT ME EVEN AFTER CALLING AND CALLING. IM DONE WITH THIS COMPANY.

    Reply
  34. I don’t ever post comments online and of course most people only leave comments when they complain but to be far to his company, I had a bad hail storm in my area April of 2016 and within a week i had a check for the full roof replacement amount so they were really good and fast.

    Reply
  35. I realize most people only go to forms to complain (and I understand why as I complained about Liberty Mutual years ago during my only other home claim) but I have to say UPC did a good job with my roof claim. and I feel it was completed in a timely manor.

    Reply
  36. I appreciate these candid comments. I will NOT pursue UPC for homeowner’s insurance. I was hoping to find a credible and wonderful company that had competitive rates. Guess I need to be very thankful with what I have now…Frontline Insurance.

    Reply
  37. After coming home to water every where in my new house (a water pipe broke) I have to say UPC did a great job. Was things fixed as quickly as I would like? No, but that was due to contractors not UPC. UPC allowed me to pick a local hotel to stay at so I could watch over the repair work and they paid for EVERYTHING outside my deductible. This was my first ever claim and I have to admit I was scared. After dealing with UPC I don’t think I will be as concerned should something happen again (but of course I hope it doesn’t).

    Reply
  38. This insurance company is a complete joke! Our house burned to the ground 7 months ago and we have been dragged by the claims process since day one! We have been shuffled from one awful hotel to the next with no regard for us as a family that has essentially torn apart by all this. They simply do not care. We have an attorney now and are filing suit for bad faith. That’s what this is, bad faith! Their company is a complete joke and with rude careless staff and all they are out to do is DENY THE CLAIM

    Reply
  39. To whom it may concern,

    I have to say about this homeowner insurance, the way they practice business it’s absolutely unprofessional, from small employees to higher task including supervisor, adjuster etc…

    I have had the most horrible time ever after I had to turn in a claim months ago about my roof leak. Months have gone by, so much discrimination against me was adopted…after many attempts to contact them, never anyone had the courtesy to call or return my calls, and respond to my concern, they have caused me so much stress by the way they handled my claim, to be told at the end “My Claim was Denied”. Now I have major problems, and neither insurance is taking responsibility to help me. I wonder if this is how homeowner insurance should treat their customers or their claims?

    I have to add any of the employees i had the misfortune to talk to, from the lowest to the top, have absolutely the most rude, arrogant, and discriminatory ways of referring to you. They are the most uncaring and unresponsive customer service employees I have ever encountered in my whole life.

    After so many years I have payed them big cash for my home insurance, I called them in for 2 claims, one in 2011, and now 2015, for some damage occurred few years back. Both times they turn me down. Now I wonder, the way they practice to me doesn’t make any sense. Either some employees are totally taking the company down, by stupidly neglecting abusing their task or recklessly bringing the reputation of the company’s name down without even realize they doing damage. I really am concerned about some people being taking care of business professionally for the sake of the Company they have the privilege to work for. My question is: It’s really these kind of individuals we want to have to perform important task that misrepresents a company, who unfairly treat the good and honest American Citizen of the United States?

    The worst Insurance Company and the most unprofessional peoples working for it!

    This company employees needs to be revised, most discriminatory and bully people I have ever encountered in the 25 years I have been residing in the United States of America.

    It’s a shame to give such bad practice impression from people who are supposed to be professionals.

    Such company who fail their own customers in such arrogant, manipulative, and discriminating ways, singling out specific people, is so unproductive to the company, and the company name and reputation.

    It’s not more about them denying my claim, but how they have spinned and manipulated this whole entire situation, just because I speak with a foreign language.

    people with such prejudice, should not practice or direct any customer service desk help or deal with people of any kind and colors, under any circumstances it doesn’t matter what their task could be. This is a malpractice of representing any agency or company which does get paid to provide the service. This is my impression of being a professional dealing with customers. Again and again I say: I was failed by UPC Insurance as a person, a foreign, an American Citizen of the United States of America, as a human being, also as a person who has a very tight budget.

    i thank you for the poor treatment you have used to treat me.

    Agata Tata

    Reply
    • They treated me the same, why is this type of behavior allowed in the united states a country known for its open arms for Immigrants.

      Companies like this need to be impeached, put on trial and immediately remove from ever serving the American people.

      This company UPC insurances is run by satanic management my personal experience.

      Never returns calls, adjustors who don’t care, from one to the other.

      When one finally able to speak to an adjuster, they will tell you that, next time another adjuster will take over.

      I suffered a nervous build up dealing with this company.

      Customer service that has no patience, make fun of my accent, made me repeat over and over my address, including my unit number being F, only for the customer service, to repeat f ” like f–k-tard”.

      As a Christian, I took my pleas to the Lord in prayer.

      Next day I called again, the customer service for the umpteenth time, to get an answer, waiting for a response with a prayer in my heart.

      The customer service, somehow, that came on at 9.00 am that morning, what I could recall WAS ENTIRELY ABOUT, HIS BELIEVE, AND BECAUSE OF THE GOOD LORD, HE ALIVE TODAY. FAITH AND TRUSTING IN THE ALMIGHTY.

      IN ENDING I SAID TO HIM, I FELT THIS IS A DIVINE INTERVENTION, I NEEDED YOU TO HEAR MY PLIGHT, IN RESPONSE HE SAID, I NEEDED YOU.

      THAT MORNING WAS THE FIRST TIME FOR MONTHS OF BEING IGNORED, THAT AN ADJUSTOR CALLED ME, AND AT LEAST TOOK THE TIME TO, LISTEN.

      STILL THE EVIL ADJUSTORS AT UPC, STILL COULD NOT FOR ONE SECOND BE GOOD, BUT AT LEAST I FELT IN MY HEART THAT THE DEVIL HAD BACKED OFF FROM HURTING ME.

      Surprisingly, THE ADJUSTOR CLAIMED THAT THERE IS NO ONE BY THAT NAME I SPOKE WITH EARLIER THAT MORNING.

      IN ENDING EVIL IS EVERYWHERE, I KNEW AFTER THIS EXPERIENCE THAT THE LORD WILL PROTECT ME LESSON LEARNT, THE DEVIL WORKS THROUGH PEOPLE ANY CHRISTIAN AT ANY GIVEN TIME WILL ENCOUNTERED.

      SUCH HAVOC, ONE HURDLE AFTER THE OTHER, LIKE JOB IN THE BIBLE, REMEMBER YOUR FAITH IS BEING TESTED, PLEASE KEEP THE FAITH, AND NEVER GAVE UP OR LOSE YOUR FAITH.

      IF YOU LOVE THE LORD WITH ALL YOUR HEART SHOW HIM YOUR FAITHFUL HEART EVEN IN PAIN AND SUFFERING, THIS IS MY TESTIMONY.

      IF YOUR FAITH IS WEAK, YOU CAN GIVE UP ON THE GOOD LORD, I DID NOT, I KNOW IN MY LIFE I WILL GO THROUGH SUFFERING AGAIN.

      THIS IS WHY SATAN IS STILL AROUND, TO GET THE GOOD SOULS, THAT’S HOW HE CAN HURT MY LORD AND SAVIOR.

      With a great shout at the top of my lungs ‘DEVIL TAKE YOUR HANDS OFF GOD PROPERTY YOU ARE NOT WANTED HERE.

      PLEASE RESPECT MY TESTIMONY, I RESPECT YOU EVEN IF YOU DONT BELIEVE. THANK YOU

      Reply

Leave a Rating

Your email address will not be published. Required fields are marked *