Universal Property & Casualty InsuranceReviews of universalproperty.com

Stay Away from these thugs! It's been a year and half since I started the claim and there is no solution yet. My house is completely destroyed due to water damages and I haven't been able to live in it even though I still have to come up with the mortgage payment.

Will never use Universal insurance again after a major storm event and losing power my sump pump broke and lost everything in my basement. first they tell me im covered and then deny my claim after i have already had servpro come out to help thinking i am covered... so now not only am i out everything in my basement plus the repairs needed i have a bill from servpro that i cant pay thanks Universal.... You pay for insurance and when you actually need it guess what DENIED... They are here to take your money and when you need them deny... If you are thinking of using this company do yourself a favor and dont do it.

Absolutely horrible experience with this company. I am a year into a claim with no resolution. My home had a roof leak with mold damage. A year later, our family remains in this home as the insurance company fails to send needed documentation to my mortgage company. I have never experienced such poor communication. My next step in dealing with this is contacting an attorney. Do NOT use this company.

I filed a claim 04/04/2020. A pipe busted under my sink. I m still waiting for someone to get back to me. I have called and emailed several times. Still no answer. My floors are stripped my house is a construction zone with hazardous materials. The worked stopped working because I can’t pay then. The company that universal sent to my house to remove the floors and dry the water just sent a bill for $9,688 be mindful they sent them to work in my house. Today is 05/06/2020 nobody still has not reached out to me.

Yesterday made a year I have been out of my home due to Hurricane Michael. The UPC cut us a check for for living expenses in the amount of 4,000 in which on PCB they were charging us 1300 a week! Needless to say they are refusing to give us the policy amount to fix home instead offered us 30,000 when that's less than 68,000 that their adjuster suggested. I never knew it would be this hard to get something you've paid for years and to just get back home! I hate this company will will continue to tell my story. FIND SOMEONE ELSE NOW!

I have never dealt with such a horrible company before. We signed up with this company because our agent said they had excellent customer service and reviews. Our experience has been entirely different. My husband is active duty, so I attempted to add myself to the policy to handle issues as there are times he is not available or deployed. I was told I could not be added as I was not on the deed. When my agent called, she was told something completely different. Suddenly I could be added to the policy through an email. The main problem right now is the roof leak we discovered. From start to when they denied our claim, this company has been anything, but helpful. They would not talk to me, even after I was put on the policy. My husband had to make multiple phone calls because no one would call him back. It was a struggle to get any information out of anyone at Universal. People were giving us different answers to our questions, including our agent. First, we were told we were denied since they do not cover water damage. Then we were told we were denied because there was no sign of wind or hail damage. Then we were told we were denied due to wear and tear. Finally, we received a letter for the denial that included all of that and lack of maintenance and deterioration. Universal also told us that our deductible would cover the repair work. However, no one has been able to tell us where or how they got the number for the repair work. No one can or is willing to show us this wear and tear or what lack of maintenance we did not do. We have only been in this house for about six months. This leak involves a flat roof, but they noted that no shingles showed signs of wind damage. After telling the individual that there are no shingles on a flat roof, the only response we received was, "Oh, I was looking at the wrong picture." The person was talking about parts of the house that don't involve the leak. Universal has been nothing, but rude and unhelpful for this entire process. We are now reaching out to attornies, news stations, and our congressmen. If this is how a company treats disabled veterans, which I am, and active-duty members, imagine how they will treat you. I do not recommend Universal to anyone as you will be fighting tooth and nail to get anything, even just a phone call, from them.

This company DOES NOT stand behind their word and they do not put the customer first. They do not even deserve one star.

This company's practices in settling claims is criminal. I lost an entire condo of furniture, cabinets, bathroom vanities, carpet, etc due to water damage and mold and they paid 40,000 against coverage of 200,000. Mediation a joke. Going to court. Do not rely in this company for your home owners insurance.