Worse home insurance company! Worse home insurance company! They paid $ 3000 for my total loss of personal property from Hurricane Michael and said they were not paying any more. I have fought them for 5 years.

Hate this company!! 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.

if i could give 0 stars i would 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 !!

RUN FAST To make a long story short RUN & I do mean FAST...they refused to come out to investigate my claim the adjuster even told me if I don't with draw mt claim they would raise my rate and then drop me while will be hard ro me to get home owners insurance or it would b extremely expensive...I got scared and dropped my claim. Then...I reopened my claim a lead person over there name Lisa told the electrician to preserve my property and send in pictures and all receipts now they will not pay the claim.eveything they asked for I provided...if what I needed done if they didn't cover it all they had to do was tell me. The adjuster never returned my calls nor did the supervisor. Then they said ok we will pay for the damages I questioned the deductible because my claim had been going on since September 2023 and now we are in the moth of November...they called back and said NO so I just said ok well I guess I'm stuck but the electrician will at lease get his money his bill was $8,050.00 they said we are not paying that either...how do we start a class action lawsuit. I now have a bill for $8,050.00 that they told him if he fix it they will THEY LIED

UNIVERSAL PROPERTY AND CASUALTY IS A… 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!