Universal Property & Casualty InsuranceReviews of universalproperty.com

Claim # FL22-0124745 Our condo got flooded by a busted sprinkler system located directly above us. It happened in September 29, 2022. We have been thru mediation and arbitration and now trying to get a court date, Universal keeps moving the date. Total to redo our unit was $380,000. The floor alone which was done 4 years prior was $120,000. We had to pay out of our pockets as this is not settled. 60 minutes showed the fraud that is going on in Florida with 6 different insurance companies. They are hoping that they drag this out long enough, that people will drop it. I am fortunate enough to pay for the repairs before I get fully reimbursed. In the 2 plus years, we have had 4 different adjusters, at least 4 different lawyers. In arbitration the one hired lawyer is hinting that we were fraudulent. I cannot wait for the court date to testify against this company. After 5 years and multiple cancelations of last minute court dates we settled and lost 200k. We could not afford to continue buy flights for court dates to only have them cancel the last minute. They intentionally do these tactics to force you to settle for a lower amount. After settlement was reached and agreed upon it still took 4 months before we got paid.

Appalling service. They dragged my claim out for months, changed adjusters, who then went on vacation, ignored my new documentation for another month, said they’d call me then just sent me a letter saying go to arbitration. Their technique is to make a low offer and then drag it out for as long as possible to try to make you take it. As a realtor I will make sure none of my clients ever goes near this scam of a company.

Had to pick one star because there was not an option of no stars …..since my damage from hurricane Helene universal property insurance company has stagnated, interfered, and ultimately left my house half repaired..considering the outside A-frame siding to my house as well as soffit to be “cosmetic”and not covered….. please please please steer clear from this insurance company. They will not come through for you. They were they will undervalue any claim you try to submit.

Wrote a new policy, paid in full and got cancellation notice 45 days later with less than 2 weeks! Sited age of roof as they could not find permit past original in 1991! I submitted seller disclosure with date of roof but they said unlikely they will accept it. policy #4201-2501-4189. If it was a concern this should have happened upfront as it just did with another property. Now mid December and having to deal with this! What if I was away?! Permit is not required for roof... Just terrible experience!!

Very unprofessional. They dropped my insurance and I provided them with EVERYTHING THEY REQUESTED!!!

Hiked premium 3x within months of starting policy due to what they deemed to be an aggressive breed of dog without inquiring about bite history or anything promptly cancelled it’s a total ripoff! Even little ankle bitters make this list just an FYI

I have serious concern with the handling of my claim #FL25-0122085. No in-person inspection was ever conducted of either my unit or the unit of origin, despite the clear relevance of the latter to causation. On a recorded call, the adjuster even stated it was “in my best interest” for him not to visit my property — a remark wholly inappropriate and inconsistent with any fair or impartial investigation. As a former human rights fact-finder, I know firsthand that direct observation is essential to credibility. By failing to inspect, he deprived himself of critical evidence and rendered his investigation incomplete and potentially biased. This deficiency appears to have contributed directly to the denial of my claim. Such conduct violates Florida Statutes §626.9541(1)(i)3.d and §626.877, which mandate thorough investigations based on all available information. Further, the conclusion that this was merely a “sudden, accidental occurrence” rather than negligence is unsupported by the record: • Neither the property owner nor the management company conducted any inspection, and tenants are not professionally qualified to assess causation. • Tenant correspondence, sent four days after the incident, shows they were still waiting for management to even respond. • The adjuster conducted no inspection himself, depriving the investigation of firsthand evidence. • Former tenants have provided statements confirming that the issues were ongoing, worsened over time, and ultimately drove them to move out. • The unit above has a documented history of multiple prior leaks, pointing to a longstanding pattern of inadequate maintenance by the owner. These facts suggest that negligent property oversight contributed to the incident and should have been considered before denying coverage. It raises serious concerns that my denial may have been predetermined rather than the product of a genuine, thorough investigation.

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