Universal Property & Casualty Insurance Reviews 

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.

My experience was ok. Quality was fair.the claim process is slow

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.

This is my 4th year with Universal Property for my Condo and so far every year my rates lower.
Customer service is really knowledgeable and it is always a pleasure speaking with them when I need to contact the company.

As a young adult I would never insure my new home with any other company! Great customer service and guidance towards the best option for me. My parents recommended after their 15 year relationship with them and I shall refer my kids when its their time! Most companies are only interested in dollar signs but Universal has set the standards for truly caring for their clients for the long term. Thank you for the help team!

Luciana

I've been an insured for many years and have spoken to several claims and service representatives during this time. I have experienced great service, prompt handling of my concerns and fair claim assessments. I can't complain.

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.

Hate this company!!! Made my life a nightmare for over 6 years for nothing. Could have settled my claim... instead gave me the run around, I hired lawyers, my hone was burned but fixable, went to trial and won!!! Too bad the home has been torn down by the city, my mortgage went into foreclosure and I literally moved 15 times, sometimes living in a storage unit. Shame on them!!!! I purchased my policy from a licensed agent, I know nothing about insurance and they had the nerve to tell me to read the fine print. Karma.

Would not recommend and wish I could give negative stars. **See photo I posted of their shady practices from The Ledger article on 1/5/18**My advice is to sign with another company. After reading the multiple reviews from frustrated policy holders, I've found I am not alone by far! I've had my policy for several years and have had a claim with Universal several years ago. When the adjuster arrived, it seemed they were intent on denying coverage in every way possible even though according to the adjuster what "is" covered in my home (from their own words & policy), the agent started to backtrack the information so they may not have to. We had to cover it out of pocket to get it done so there wasn't more damage, even though my policy says otherwise. This apparently is quite typical of Universal as I've learned. Take the money, wiggle out of covering customers, poor service, and delayed responses. I'm positive I may get their generic response given to everyone from my review. Also, in my opinion it looks like their rating is false. Their 3.1 rating is likely inaccurate thanks to their underwriters and employees praise leaving 5 star reviews of course. Muddled between every 5-8 consumer reviews is a stellar review of the company from an agent or representative. An example, just last night as I was posting this, after reading reviews, right above a negative appeared a policy writer bashing their competitor and praising Universal Property. They should not be allowed to do this as it is deceptive on the accuracy of service provided to actual customers. Terrible. I wonder if they tell them to post their glowing reviews?? Wow...
*Update* We had a claim prior to hurricane Irma in Central Florida that was due to falling debris. Universal had all relevant documentation and multiple contractor quotes. They delayed resolving this for 3 months due to an unrelated issue that had nothing to do with the actual claim itself. (it was a typo from 1 of the 5 contractors bids that were submitted, which we weren’t required to give 5 estimates but were wanting to show more than 3 for fairness.) So our family had to go through a category 3 hurricane without the repairs complete ensuring our personal safety and the stability of our homes structural integrity because of a typo. Unbelievable.

1. I called the customer service to get the status of the snow damages. The lady was very rude. Told me she not allowed to give the status. I ask to transfer to the claim adjuster answer “ she not allowed “ but she can give me the name and phone ext and I need to hang up and call again. I called her voicemail stated:” when you like to have information about your claim please call Customer service” so first told me she not allowed to give status than the voicemail tell me I need to call customer service Do not make any sense. I left on the extension 13 messages never return any send 15 e-mail no answer.
Maybe is cheaper but is not quality .
Today told me again do not know the status and not answering until finish. Is almost the months when the inspector was send the report.
Top on this without any notice suspend my account because the 50$ balances which do not know how? I do not check the website never noticed. I told to send the mortgage the bill because is a escrow - told me I need to take care it. So I payed but was very upset.

Josh Wolski is an excellent supervisor .
He helped recommend a terrific inspection company and worked directly with me to clear up a few issues I had with my home inspection.
I am so grateful to him for his kindness and professionalism.
Thank you again Josh for all your help !
sincerely Angelica

Great response and very helpful. After many calls trying to solve an issue the representative was able to help me in minutes

Javier was helpful, courteous, well informed, and fast. That's the kind of service you hope for when you want a problem resolved. Thank you.

I have been with Universal Property and Casualty since buying my condo in 2007. I am a UK resident and the condo is my holiday home. Since that time I have only had to make one claim and that was for our Condo Association assessment to replace roofs following hurricane storm damage after Matthew and Irma. I found Universal to be professional, efficient, friendly and understanding. I was kept fully informed of progress at all times and the claim was settled in full within a few months. Good service that I would highly recommend.

We have been extremely happy with UNIVERSAL PROPERTY! They have been very professional and helpful. Imara took care of our problem immediately!