Universal Property & Casualty InsuranceReviews of universalproperty.com

We have been with this company for several years and had never filed any homeowners claim ever in the 30 years we have lived in our home. We had a claim for water and wind damage in 2018 when Hurricane Florence came through NC. We had ceiling and wall damage in our master bedroom as well as damage to the roof. An adjustor came and out and looked in our bedroom and we received a check. We were never told this payment was to replace the roof and the interior repairs. During this time my husband was having major medical problems and had to leave his job and the money we received from Univeral was not enough to replace the roof and the interior. To this point we have no recollection of ever being told this was for a roof replacement. So after our out pocket deductible we used the money to repair our bedroom and repair the damaged section of the roof. We never had any information from the insurance company regarding the completion of the repairs or that there still one third payment we had not received. Now skip to present day and due extensive rain and wind for several weeks unknown to us we had roof damage in another part of the roof which saturated the insulation which caused the ceiling to collapse dumping several gallons of water onto our floor. In addition, when the ceiling collapsed the sheet rock for all intensive purposes just exploded on to walls, floors and furniture. My husband was hit by some of the falling debris causing injuries to his arm. We spent hours cleaning the water and sheet rock. We contacted Universal and filed a claim. The adjustor came out and said majority of the ceiling would need to be replaced, floors refinished, and roof replaced. We finally received a response from the examiner denying out claim due to the 2018 claim that they said we did not complete. I explained that the amount received was insufficient to pay the overall repairs and I was then told that the payment received was only two thirds of the payment and we were supposed to send documentation of the completed project to receive the final third of the payment. We never had this conversation or any correspondence from the insurance company advising us of this. With their denial letter I received an eight-page estimate of the 2018 repair detailing the entire repair. Another piece of correspondence we did not receive. This detailed the additional money they said they would pay out when the job was complete. Another piece of correspondence we received was about recoverable depreciation which was also something that we were never told. I explained to the adjustor that my husband is disabled and has chronic COPD and the huge hole in our ceiling was causing him issues with breathing. We are retirement age and the amount of money to repair this out of pocket is impossible for us. The examiner said that we could submit an estimate using the 2018 claim to maybe get the additional third of the original claim and when I asked if that was realistic his response was "worth a try". It is so difficult to know you have paid all of our insurance payments timely for years with only one small claim and now that we have this enormous issue for us, they are sorry, but you are still denied.

UNIVERSAL PROPERTY AND CASUALTY IS A SCAM BUT GOD FORBID THEIR PREMIUM NOT BEING PAID! YOU WILL REGRET IT!!!SCAM COMPANY!HOME INSURANCE COMPANY! 1 MILLION EXCUSES, WORST HOME INSURANCE COMPANY ON PLANET EARTH!

I am writing this letter because I put in a claim in 07/28/2022 for water damage and mold. I was informed by Ms Lourdes Mendoza (adjuster) that I needed to submit an invoice from the company that was completing the repairs at my home for reimbursement. I submitted the needed invoice however after numerous calls (voicemail) and emails to follow-up on the status however I have not received any form of communication from her or your company. The last communication I received from Ms Mendoza is when I left my home to stay somewhere else due to me having Cancer and going through Chemo treatment while my home was being treated for mold. I am on disability and had to use other sources to pay for repairs. I recently received a letter 12/14/2022 stating that my policy is not being renewed: Two (2) water damage losses within 3 months.

My home suffered damage to the AC unit due to Hurricane Ian. I filed a claim on 10/03/2022 as soon as I could. I tracked my claim online as it went through each step. It went from 'Received' to 'Assigned' and I still hadn't received any communication from anyone yet. Not via mail, email, or phone. I assumed they were probably just busy handling a bunch of other claims from the Hurricane so I didn't think it was a big deal. Then eventually the adjuster came with barely any notice at all. They called they day of saying they were in the area and wanted to come assess the damage and take pictures. I was already home anyways so it was fine but that should have been a red flag. It had already been over a month and this is the first time I had communicated with anyone regarding my claim. Not very professional. He was nice though and when he left I felt reassured and still thought maybe the company is just busy handling a lot of claims. Over the course of the next few of weeks I watched the claim go from 'Inspection' to 'In Review' status online and thought things were fine until it finally updated to 'Concluded'. The website said my claim status was resolved and a coverage determination had been made. I had no idea what the resolution was though since the website doesn't provide any details. So once again I tell myself "maybe they can't display that info online so they'll communicate it to me another way". But I wait and wait and still hear nothing from them. No mail. No email. No phone call. I tried reaching out via email and the website but still haven't received a reply. So at this point I call to get some clarification on what's going on. The first person I spoke to sounded like they had no interest in being on the phone when I called. They told me my claim was denied and the correspondence was sent via mail because that's what my primary form of communication is set to. I know stuff gets lost in the mail from time to time, but I never received anything from UPCIC regarding this claim. You'd think they would send out a mail communication whenever the claim is submitted or at other points in the process. So what's the likelihood that I just didn't receive any of the mail communications that were sent? I tried to get clarification on why my claim was denied and how it should have been submitted properly but they kept telling me that they couldn't tell me how I should submit a claim. So eventually I gave up and decided to call back in hopes that I would get someone that could actually help explain the situation. The second person I spoke to at least tried to help. They gave me more information and said that my claim was only partially denied and that a check was sent via mail. So now I'm thinking why didn't the person I spoke to before share this information? They eventually tried to transfer me to someone else but it went straight to voicemail. So here I am now confused and not sure why this process is so convoluted. I really don't know what to do at this point. I'm perfectly fine with my claim getting denied if the reasoning makes sense. But at the moment there's no way for me to see why I got denied. I ended up having to call and I'm still not sure why I got denied because I got two different stories from the people I called. I just don't understand the lack of communication. It's not even about the money. Luckily I can afford it because if not I would still be without a working AC for over two months. I can't imagine what people who can't pay outright or get financing have to go through when dealing with these situations. This is the third Google review I've ever given in my life. I'm usually able to just deal with it if I get bad service but I've never experienced something this bad. I'm just tired of dealing with Homeowner's Insurance. Earlier this year I got dropped by my previous insurer because my roof was too old so I had to spend 10K out of pocket to replace that. Now I've replaced my AC for 10K and am dealing with a company that won't reimburse me for damage due to a literal natural disaster.

Professionalism kindness and got what I was looking for

reI have uploaded documents to substantiate monies that i spent on services covered by my insurance policy, I myself have not received any monies personally from the claim or otherwise, i have not been re-imbursed for the monies that i am due ,

if i could give 0 stars i would. My mom had to open a claim for my elderly grandfather in 2020 due to major leak in the roof which caused the ceiling in the room to cave in. A year ago i had to replace the roof with my own money because waiting for them wasn't going to make anything better. We are now in 2022 and the claim is still OPEN. You call, they take forever to answer and when they do answer they say they will have someone call you back and they do NOT. I emailed the universal attorney that is working on this case with the power of attorney and also my grandmothers death certificate and they have yet to reply. As an insurance agent myself this is probably one of the WORST home insurance companies to insure your home with. STAY WAY !!

I called Universal and had a few questions about my policy coverages, amendments to my policy and payment information. I spoke to Derwin McCarthy, and he was able to answer all of my question about coverages and changes to my policy, payment options, and some questions about flooding scenarios. Great agent, very personable, and professional!