Universal Property & Casualty InsuranceReviews of universalproperty.com

almost identical to other reviews, i have left over 20 phone calls to vanessa Vega with no response, emails no response, voicemails to her supervisor Adam and his supervisor Skyler and not one return call. Last Friday i spoke with some department and they promised a call back within 48 hours from vanessa or her supervisor and guess what no call, they said vanessa was off and i would receive a call today and guess what nothing also. I have a claim and they did send a check for the ceiling repair but nothing else and wont respond. i have everything documented and also north Carolina department of insurance is now involved. shame on you guys for not taking care of your clients in a claim. updated 08/20....after contacting ncdoi and this review i got a call from vanessa and an email stating a second inspection was needed, Jessica came out and was real nice and did another inspection, said i would hear from someone shortly about the claim, been over a week and no phone call or email.....

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

This company appears to be a scam. I have never submitted any home insurance claims in my entire life. I took the policy after a recommendation by my mortgage company. The following week lightening took out our electric water pump. The company who replaced the wiring and pump stated it should be covered under our home insurance (others have been), so I submitted a claim. 48 hours after the claim is submitted, the company just shows up unannounced, while I am on conference calls. As I do each day at 5.00, I checked my private VM and emails. Two calls stating they are at the gate and need to come 'inspect' the property. I kindly ask they come the following week as this is a holiday weekend response 'we do not schedule based on customer availability'. Now, sending emails that they can't reach me, and threatening to cancel the policy. Seriously, gangsters without guns!

I’ve been a policyholder with this company for my first home but my experience with my Hurricane Helene wind damage claim has been frustrating and deeply disappointing. Over the course of 9+ months, my claim has been reassigned to at least four different claims adjusters, each with different expectations. Despite a field adjuster visiting my property early on and my consistent, timely responses to every correspondence, the process has dragged on unnecessarily. At one point, I was even verbally offered a $20,000 payout settlement (below what's needed) with no written explanation or breakdown followed by threats of denial if I didn’t accept. I asked for this offer in writing, but it was refused. That’s not how transparency or policyholder trust should work. I’ve provided contractor estimates, responded in writing, and remained cooperative. I understand the company may be backlogged, but it shouldn’t take nearly a year for a wind damage claim especially with no repairs yet made. I’m now preparing a formal complaint to the South Carolina Department of Insurance. I hope this company takes accountability and improves their claims resolution process, because what I’ve experienced has been more of a stall tactic than a good-faith effort. I would like a prompt, fair, and documented resolution in line with my policy and state guidelines. I would not recommend this company really to anyone due to this unorganized process, delay tactics, and lack of responses ESPECIALLY if you are a first time home buyer.

On May 20, 2025, my home experienced serious water damage. I submitted a claim right away, trusting this insurance company to support me. It’s now been nearly 30 days and I have received no updates, no calls, and no email responses. I’ve called and emailed multiple times using the contact information they provided, and have gotten nothing back. It feels like they simply do not care. This company is extremely unprofessional and clearly only cares about collecting premiums—not about you, your home, or doing what’s right. I’ve felt ignored, abandoned, and deeply disappointed. At a time when I needed help most, they were completely silent. Please avoid this company. I wouldn’t want anyone else to feel what I’ve felt through this experience. Rating: 0 out of 5

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

I am writing to express my extreme dissatisfaction with the level of customer service I have received. I do not know how many times I need to call or email for someone to get back to me. Each time I call, I am met with horrible customer service and a distinct lack of willingness to assist me. I regret not reading reviews about your company before signing up, as I would have avoided this situation altogether. I have been calling repeatedly and am constantly assigned a new adjuster who never calls or emails me back. I have emailed over eight times with zero responses. While you expect customers to pay on time, when it comes to payouts during unfortunate events, you are taking your time and sending checks with very low amounts, knowing that no one would do the job for such a small sum. My house was destroyed after an accidental flood, and I have no money to repair it since I was unprepared for this accident, and the insurance is not paying for me to fix my house. I received a check for a paltry $1700, while the cheapest quote I have gotten for the job is almost $5900. Who do I need to reach to get another check? What is the point of having insurance if I am not covered for an accident in my own house? Please stop scamming your customers and treat them as you would want to be treated. My elderly father is currently staying with me, and our bathroom is out of order. He has to use the bathroom in the hallway, which is causing him a great deal of stress and poses a safety risk due to the distance he has to walk. This situation is not sustainable. I would appreciate any assistance or solutions you can provide to resolve this matter as quickly as possible. I never write bad reviews, and I am upset that it has come to this point, forcing me to write to you. However, I have no choice and am hoping that someone will finally respond to me.

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