Universal Property & Casualty InsuranceReviews of universalproperty.com

⭐ 1 STAR — I WOULD NOT RECOMMEND UNIVERSAL PROPERTY & CASUALTY INSURANCE My experience with Universal Property & Casualty Insurance has been absolutely unacceptable. In 2024, I had a major water damage claim after a hot water line burst in my home. The water damage buckled my hardwood floors, damaged and warped walls, and left areas where I have serious concerns about mildew and moisture inside the walls. Universal initially paid approximately $29,000 toward the claim. That money was not enough to properly address all of the damage, including the bathrooms and other repairs that my contractors determined were necessary. I submitted contractor estimates for the additional work, and for more than TWO YEARS I have been trying to get this claim fully resolved. Instead of reaching a fair resolution, Universal has continued disputing and challenging the estimates provided by my contractors. Meanwhile, I am the homeowner who has had to live with the consequences. What makes this situation even more concerning is that I am a disabled retired veteran with severe allergies, and I have repeatedly had to worry about what I may be breathing inside my own home because the damaged areas have still not been properly addressed. After all of this, Universal also dropped my homeowners insurance. From my perspective, I paid for insurance expecting the company to be there when something serious happened to my home. When I actually needed that coverage, I ended up spending more than two years fighting over repairs that still have not been completely resolved. Insurance is supposed to provide peace of mind when disaster strikes. My experience with Universal Property & Casualty has been the exact opposite — delays, disputes, frustration, stress, and an unresolved home damage claim that has dragged on since 2024. I would not recommend Universal Property & Casualty Insurance Company to my family, friends, fellow veterans, or anyone looking for homeowners insurance. Based on my experience, I would strongly encourage anyone considering this company to research their claims-handling record carefully before purchasing a policy. More than two years is far too long for a homeowner to still be fighting to get a water damage claim properly resolved.

I have never thought about this company could insure for home remodel or dwelling work or roof damage etc. I will give one star review, and I did spoke to an agent Adam, that we did talk about through details and other stuff. One month pass I got an email that your policy is not eligible for coverage. After the cancellation was initiated and no refund. When I did call back they said good luck, you have to talk to the main company and it sounds like they changed to a different company name. I don't know who ever needs to hear this, I think this just standard policy. Like any standard company policy will not cover if you have missing piece of siding, shingle broken window and hail damage etc.

They made a mistake with the age of my roof. They said is was installed in 2011 but it was really installed in 2023. When it came time to renew I asked if the newer roof would lower my premium which you would think it would. Not with Universal. They tried to increase my premium by over $200 for a new roof. Go figure but this shows you what kind of company they are. Stay away!

They cancelled my homeowners because they don't insure modular homes. We have a stick built home that we built ourselves. I showed them proof of our inspections required during the build and they still cancelled after we paid them for 1 year.

**0 Stars – Extremely Disappointed with Universal Casualty Insurance** I would give Universal Casualty Insurance zero stars if that were an option. Our roof began leaking on December 3, 2025, just weeks before Christmas. Today is June 6, 2026, and more than six months later, our claim remains unresolved. During this entire time, my family has been forced to live in a home with damaged ceilings and removed carpeting, creating an ongoing disruption to our daily lives and causing significant stress. Despite repeated attempts to communicate with the company, we have experienced extremely poor customer service. The assigned adjusters rarely respond to phone calls or emails, and obtaining updates on our claim has been nearly impossible. Even after all this time, Universal Casualty has still not provided the necessary funds to complete the repairs to our home. Homeowners purchase insurance for peace of mind and protection during difficult situations. Unfortunately, our experience with Universal Casualty has been the exact opposite. The lack of communication, delays in processing our claim, and failure to provide timely assistance have been unacceptable. To make matters worse, this insurance company was recommended by our mortgage company, which makes this experience even more frustrating and disappointing. Based on our experience, I cannot recommend Universal Casualty Insurance to anyone. If you are considering this company, be aware that you may face significant delays, poor communication, and a prolonged claims process when you need assistance the most. Dr. Epps Richmond VA 23227

This company is most likely fraud intention for which they hold the fund as long as it takes so they can earn extra in interest. They insured my property and got prepaid the amount upfront without any questions. In a month they canceled it reciting I had a previous claim and will refund the entire amount in 15 days. A 28 days passed no refund. Each time I call, they have the same prepared answer. Some of the reps are even annoying don't even know how to apology. Terrible company, Do not insure with this company ever. They insure your just to get the fund payment and hold it so they can earn in interest before they issue (not sure) the refund.

I found out that this company was charging $1000 more then other companies would charge and I asked them to cancel the policy and to refund the balance of my money. This company never lets you talk with someone about returning your money and just give you the runaround

Hail damage roof claim payed out actual Cash value timely but cannot get replacement cost payment. Document sent 20’days ago and when I call for status get same message waiting for review. Roofer wants final payment. Poor over phone service.