Complaints

• Initial Complaint

  01/21/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I can't not believe this company (Universal Property's Insurance Company) has an A plus rating with the Better Business Bureau. After reading other people's complaints about Universal Property Insurance Company and almost all of us have the same complaints yet they have an A+ rating now has me questioning the integrity of the BBB. That aside I'll begin,On November 7 ************************************************* ********** AL. I'm 74 years old and my health demands that someone live with me year round. My son at the time was in-between jobs so he had his tool box delivered to my home in ****** Al. It was a big tool box big enough that a roll back wrecker had to pick it up and delivery it. So when we left my house it was in my driveway nestled up against my house. When we returned 5 hours later it was gone. I filled a claim AL 23 ******* with UPIC in November or December (i don't have the documents on me right now) and these people had the nerve to ask my son to do all of the work for them. Such as to produce receipts,the price of the ones he did not have receipts for, the current price, and if he didn't have any receipts to just get them the price of all his tools and tool box. Which if anyone knows about tools that are expensive. The claim was for $36,886.07. It's now January 21 2025 and they still have yet to reimburse him for his tools. Because of this he has lost 2 different jobs because his pervious employers gave him a timeliness to get his tools replaced which really is more than most companies in his line of work would do. After calling over 50 times about his case and being passed from one adjuster to 9 different adjusters we've not heard a word from anyone at this stupid company. Also on December 28 2024 a F1 tornado hit my home and I filed a claim fearing that **** will not take care of this either. They have proved to be very unprofessional and act as if they aren't worried about being sued. My hope is that the BBB will help resolve this.

  

  Business response

  01/31/2025

  Dear BBB,

  We have completed our investigation. Please see attached determination letter. We have also reached out to the insured and scheduled the inspection for the 12/28/2024 date of loss.

  Thank you,

  Customer response

  01/31/2025

   
  Complaint: 22840166
  
  I am rejecting this response because: they are talking about the 2nd claim which is about her roof and other property damaged during the December 28 ********************************************** and is scheduled to come out on Monday Feb 3 2025 between 9am and 10am.

  However my complaint wasn't about this claim at all. Not yet anyway which I'm sure there will be one. My complaint is about the claim that was filed back in November of 2023. When my sons tools were stole from my driveway. He has lost 2 jobs and he is currently out of work and can't go back to work until he receives reimbursement for his tools. Which was at $37,000 however it's now at $30,000 due to my son and myself beginning the process of replacing his tools. Because if we wait on them he'll never get to go back to work. Claim#AL-23-0101705

  NICE TRY UPIC pathetic but nice try

  Sincerely,
  
  ***** *******

  

  Business response

  02/06/2025

  Dear BBB,

  A determination letter was issued to the insured on January 31, 2025. We also attempted to reach the insured on 2/5/2025 to discuss the determination, however, there was no answer, so a message was left.

  Thank you,

  Customer response

  02/06/2025

   
  Complaint: 22840166
  
  I am rejecting this response because:
  When my son 1st contacted UPIC insurance company they never not one time requested a police, further more not one person EVER contacted myself nor my son even though he called them once a week for over a year. They say they sent a letter of denial on Jan 31 2025. Does anybody else see anything wrong here cause it took them over a year to deny a claim that he now can't even go back to work. This insurance company is the freaking worst I've ever had. I really wishedi hadn't renewed my policy. I demand that they get in touch with me about this at ************ and reopen the case. If not I'm going further

  Sincerely,
  
  ***** *******

• Initial Complaint

  01/16/2025

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  On December 3, 2024 I canceled the insurance policy 1504-1400-6460 effective November 14, 2024. There were 43 days remaining on this policy and there should have been a refund of $1419.00 as confirmed by the Universal Property office in ***************. To date no refund has been received and everytime I call I get a different answer. On January 3, a whole month after I canceled, I was told the check had been mailed the day before on January 2. On January 10, not having received the refund I called again, this time I was told the check had been mailed on December 23 (different story) and to wait until later this week that I should receive the check. Well this is Thursday and nothing has arrived. I do not think they have ever mailed a check and they are just making up ************* I tried to call the **************** and there is a recording that they are closed for a corporate event, probably being paid by policy holders premium monies while I am still waiting for a refund that is more than 6 weeks overdue.I need this refund check NOW!!!

  

  Business response

  01/24/2025

  Dear BBB,

  Thank you for the inquiry. The unearned premium was initially refunded/mailed on December 23, 2024, and mailed to the address on record. Since that time, the agent has updated the address as of January 23, 2025. The check has been voided and will be reissued within the next 3-5 days and mailed to the new address provided.

  Thank you,

  Customer response

  01/24/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.   However, if I do not receive the refund by February 7 I will refile the complaint.

  Sincerely,
  
  ******* Pardo 

• Initial Complaint

  01/16/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On Sept 27th Hurricane ****** damaged out Property. We submitted all our documents(estimates for repair by October 7th with the exception of our roof estimate. They only sent out one check for our fence (that they grossly depreciated in value) The rest of the estimates are still sitting there not being reviewed. I have called multiple times per week for almost 4 months with absolutely no resolution. This morning 1/16/24, My husband called out of desperation because I have ****************** and am physically disabled, our home can not be heated because of the damage to our unit during the storm and we cant use our fireplace because our roof is covered with a tarp. My infusion nurse will be here 1/21/24 to administer my medication and our home feels like a refrigeration unit, When my husband asked them to at least repair that, we was told to put me in a hotel if its that bad and upload documents. Then my husband, offended by her response, asked to speak with her Manager, and she hung up on him. They refuse to tell us what is going on and why they only paid one claim and ignored the others. I feel as though we've been scammed out of THOUSANDS of dollars in paid premiums since 2018. We have never been a day late or a dollar short, but they are refusing to make us whole. And the worst part is nobody seems to want to do anything about it. If this isn't resolved by the end of this month we will have no choice but to get an attorney involved.

  

  Business response

  01/24/2025

  Dear BBB,

  Thank you for the opportunity to review this loss. We reached out to the insured on January 21, 2025, and discussed the loss and concerns. Based on documentation provided, we have issued three supplemental payments on January 22, 2025.

  We hope this additional information is helpful and we appreciate the insured's patience.

  Thank you,

  Customer response

  01/28/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  01/15/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On 8/16/24 there was significant water damage to my home. I waited 4 months for the insurance company to agree on a scope of work and to approve an abatement on my home. In early November 2024, I gave them a rebuild estimate based off the abatement scope so that we could get the task done and my family return to our home. We were told in late November the estimate was written incorrectly. We then gave another estimate on 12/6/24 correctly written and are still waiting for them to approve the rebuild estimate. We have been out of our home since Dec 3 and are getting no communication with the insurance company unless I call and wait on line to the customer service number. The adjusters are not returning my calls or emails unless I email their managers. They are asking for pictures of drywall that they know have been removed from the move per the scope of the abatement and refuse to give me a straight answer as to what is holding them up on processing the rebuild estimate. When needing ALE they wait till the last minute to process it and have caused us to have to get 2 small loans just to not be homeless while we are waiting approval for the rebuild estimate.

  

  Business response

  01/27/2025

  Dear BBB,

  We have reviewed the claim and documentation provided. We have issued two payments to address repair and loss of use. We will also be issuing an additional payment to address the asbestos based on an agreement reached with the contractor.

  We have reached out to the insured to address concerns and inform of the approved amounts.

  Thank you,

  Customer response

  02/07/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ********* *********

• Initial Complaint

  01/15/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  We had storm damage and lightning strike was told by the people you sent out what to do we did it was told by you was incorrect and was told we could hire someone to clean up damage and be reimbursed now you have done nothing to repair replace or reimburse for any and all damages instead you changed what was asked of us 6 months ago after we have already cleaned up damages and discarded items

  Customer response

  01/15/2025

  I have also reached out to the *** and the minnesota attorney General 

  

  Business response

  01/22/2025

  Dear BBB, 

  After receiving the supplemental documents, we reached out to the insured on December 19, 2024, explaining additional documentation would be required. An email and document request letter were sent the same day. Another letter was sent on 1/13/2025. We have yet to receive the additional documents. We reached out to both the insured and the agent on January 22, 2025, to remind of documentation needed to move forward with the claim. 
  

  We will respond to the other entities as those inquiries are received. 

  Thank you, 

  Customer response

  01/22/2025

   
  Complaint: 22814380
  
  I am rejecting this response because: the problem was initially you told us we could clean and payoutof pocket  to have items clesned up and removed now we need to get an electrician to come inspect items that have been discarded and we submitted images of everything originally the have continued to defer responsibilities when it initially happend they couldn't get to us because of hurricane now after they told us one thing and made it impossible to satisfy some of their requests they will try to deny items or whole claimes when the adjuster they sent told us after he inspected property what we needed to do and we did exactly that.
  
  Sincerely,
  
  ***** *****

  

  Business response

  01/28/2025

  Dear BBB, 

  We do not have records of anyone telling the insured that she can discard any items that she planned to claim.

  Pursuant to HO3 SECTION I CONDITIONS, DUTIES AFTER LOSS , C. ; These duties must be performed either by you, an "insured" seeking coverage, or a representative of either:
  5. Cooperate with us in the investigation of a claim;
  6. Prepare an inventory of damaged personal property showing the quantity, description, actual cash value and amount of loss. Attach all bills, receipts and related documents that justify the figures in the inventory;
  7. As often as we reasonably require:
  a. Show the damaged property;
  

  Once the requested documents are provided, we will review and address accordingly.

  Thank you,

  Customer response

  01/28/2025

   
  Complaint: 22814380
  
  I am rejecting this response because: of course you don't, but why not go back to the adjuster you sent out to our house and ask him??? Or the original agent helping prior to the excuses of hurricane and other bs, still not sure how a weather issue can effect electronic communication and or finishing the claime
  
  Sincerely,
  
  ***** *****

  Customer response

  01/28/2025

    Just talked to him on the phone.  

  
  

  He came out September 9

  
  

  
  

• Initial Complaint

  01/12/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I filed an insurance claim 9/8/23 the bussiness claim they would call me after inspection to go over information and payment. I didn't get a fallow up call. I later found a check and a letter in my home iver been calling since 8/2024 to get a reissued check once a month and have gotten no wear with them. I had to file for a emergancy roof replacement in November because I was having leaking throughout my home from the roof cost me ***** with dabella because the base boards were rotten. From loose shingles.

  

  Business response

  01/19/2025

  Dear BBB,

  We appreciate the opportunity to review this request. The payment of $5,069.77 was reissued on January 14, 2025. We are truly sorry for any inconvenience.

  Thank you,

• Initial Complaint

  01/09/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  As of September 3, 2024 Response Public Adjusters issued a check#******* telling me it was good to go, the company charged me 20 percent of that amount and the check could not be deposited by the bank because the issurer Universal Property and Casualty Insurance Company placed the wrong names on the check. The public adjusters are unethical and knew the check given to me was unable to be cashed. We have requested several times for this check to be printed and re-sissued directly to me not to the public adjuster and both companies refuse to consider my request. per state insurance should issue claims within **********************************************************************************I am unable to fix my home without this amount.

  

  Business response

  01/19/2025

  Dear BBB,

  While we understand this is an unfortunate circumstance, the decision whether to retain a public adjuster, and whom to retain,rests solely with the insured. The company has no relationship with the public adjuster and no role in evaluating or qualifying vendors selected by the insured. The payment has been relisting the insured,the mortgage company and the public adjusting firm has been reissued. Because the company has no relationship with the public adjuster and no knowledge regarding the public adjusters handing of the funds,we recommend that the insured contact the public adjuster to inquire about the status of the funds. 

  Sincerely,

• Initial Complaint

  01/06/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I filed a claim (FL23-0143170) back on 12/27/2023, finally received a claim check in March, 2024. Damages were completed and documents were uploaded back in July, 2024 to have the mitigation invoice paid, obtain my recoverable depreciation payment, and the claim completed/closed. I was advise by my then, claim examiner, to not pay the restore company directly for the mitigation invoice as it was a separate part of my claim that would be paid directly to the company, after I had mentioned receiving an email in attempt to collect on the invoice stating I would be sent to collections if not paid. After a couple of months not receiving any follow up, and another email from the restore company, I attempted to reach out to my then claim examiner again, via voicemail and email. Finally called the customer service number instead to find my examiner was no longer with the company, but was my claim was under management review. I was then advise by one consumer support clerk to try calling back weekly when I inquired of an expected timeframe I should expect follow up when she couldn't advise me. I have made several calls and have been transferred to consumer support on more than one occasion to request the management review be expedited. I have yet to receive any sort of feedback, and I have called again today, after receiving now a "Demand" letter from the restore company with a deadline of 01/17/25 of my debt being sent collections . I have asked to speak with someone directly from management or even the consumer support direct line of contact, and was advise I could only be transferred to the consumer department. This claim is now over a year old, and I keep getting the run around with no end results in the matter, and no POC. The threat of being sent to collections is not something I take lightly, and would appreciate some actual customer service. As a 1st time homebuyer, filing my first claim has been a nightmare, but you're quick to send my renewal looking for payment.

  

  Business response

  01/15/2025

  Dear BBB,

  We appreciate the opportunity to review and respond to this complaint. Please note, we have issued two payments to account for the recoverable depreciation and mitigation services. We are truly sorry for any inconvenience.

  Thank you,

  Customer response

  01/15/2025

   
  Complaint: 22775812
  
  I am rejecting this response because: the letters dated back in Sept and October of 2023 were never received nor were the payments being issued indicating so. In reason why this complaint was filed after I received a demand letter of funds from Ally Restore & Construct for the mitigation invoice. When can Ally, and I expect to receive the payments that claim to have been issued?
  
  Sincerely,
  
  ***** ******

  

  Business response

  01/16/2025

  Dear BBB,

  These payment letters, although previously dated, were issued with the payments sent on January 15, 2025 via regular mail/USPS. We don't have an exact date of when the insured will be receiving the payments, however, she insured should allow 7-10 business days for delivery.

  Thank you,

  Customer response

  01/16/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  01/06/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On 5/28/24 an insurance claim was filed with Universal Property and Casualty Insurance Company for damage to our residence caused by a water heater failure. Since that time we have been trying to contact an adjuster by phone and email but have yet to have any call returned or email responded to. Since the time of the claim the residence has been unlivable. We have submitted documentation through the online portal and over the months we have reieved some payments but without any direct information as to what these specificaly pertain to. The majority of the recontruction work has just recently been done but we hare being charged late fees due to non-payment for the services rendered. I have called directly to Universal Property many times to speak to an adjuster but have gotten only voice mail. Evertime I leave a message but I have never once been called back. I have also emailed the adjuster and several of his supervisors and again not one response in over 7 months. There is no excuse for not contacting us.***** ******* (authorized representative)Phone ************ Policy 1503-1300-4139 Claim # FL24-0112293 **********************************************

  

  Business response

  01/13/2025

  Dear BBB,

  We have previously discussed this claim with the insured and explained that the claimed items are the Condominium Associations (***) responsibility. To further assist, we reached out to the *********************** Property Manager and explained that the items in question would be their responsibility. They provided a section of the declarations which states if the insured caused the damage they can pass the costs to the insured. We rebutted this with the negligent language of the *** document and advised that the insured was not negligent and that the loss was due to a sudden and accidental leak. We have not received a response from them at this time following the rebuttal.
  
  The rest of the claim has been addressed including Servpro Pack Back and Servpro Rebuild and this *** bill is the only outstanding item at this time.

  A liability claim has been opened for the *** bill. We emailed the insured explaining that we are not in agreement with the bill and informing of the liability claim that was opened.

  Thank you,

  Customer response

  01/15/2025

   
  Complaint: 22773958
  
  I am rejecting this response because:  Our original issue was having no communication with an adjuster for the last 7 months.  Within a week of filing this complaint with the BBB we were finaly contacted by phone by an adjuster.  If we had been contacted by phone or email when the original claim was submitted this whole process would have been completed by now.  Universal Property's refusial to return phone calls or emails is the primary reason our property has not been repaired in a timely manner causing unnessasary hardship due to the residence being unlivable for the last 7 months.  
  
  Sincerely,
  
  ***** *******

  

  Business response

  01/16/2025

  Dear BBB,

  We are sorry that the insured did not have a good experience. We appreciate the insured's feedback, and we have addressed this with the employees involved.

  Thank you,

• Initial Complaint

  12/30/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am writing to file a complaint against Universal Property & Casualty Insurance Company regarding their refusal to repair my roof under my current policy. This matter has been frustrating, and I am seeking the assistance of the Better Business Bureau to help resolve this ******** response to my recent claim, filed October 2024, I have been denied coverage citing a previous claim filed in 2017. They are requesting documents from a 2017 claim, despite my attempts to explain that I do not possess such records. The company has placed my claim under investigation, alleging that they dispersed a check in relation to the **************************************************** documentation on their end. It is concerning that Universal *********************************************** Insurance **** cannot produce their own paperwork from 2017 but is holding me responsible for providing documents from 7 years ago. This lack of accountability has delayed necessary repairs to my property and caused undue stress and inconvenience.I believe this treatment is unfair and unjustified. As a policyholder, I have upheld my responsibilities and expect Universal Property and Casualty Insurance Company to honor their obligations. I respectfully request BBB to assist me in finding a solution. On December 20, 2024 via phone call, I have been asked by their Claims Examiner, "***** ****" to provide the following documentation from 2017: "Name of roofing company who repaired the damages to a small portion of my roof, Photos, ************* Statements, and the amount of the check dispersed". According to Mr. ***** my roof will not be repaired and I am being investigated from 2017. I replied, "this is my first time ever hearing of an investigation in relation to a 2017 claim, and if a check is dispersed, it will only take place after the homeowner provides final documentation and information related to the claim which occurred in 2024, not 2017." Universal has only paid $2,000 to cover the tarp on the roof.

  Customer response

  12/30/2024

  
  ******* **** Zow
  ********************************************************************
  *************
  *******************************
  December 21, 2024
  
  Mr. ***** ****
  Universal Property & Casualty Insurance Company
  ******************************************************************************************************
  
  Subject: Dispute of Roof Damage Claim Denial- 
  Policy Number:***********
  Claim Number: FL24-0137406-K524
  
  Dear Mr. ********** am writing to formally address the denial of my homeowners insurance claim for roof damage sustained during Hurricane ******. I respectfully request that you reconsider this decision, as the grounds for denial do not accurately reflect the circumstances of the current damage.
  It has been communicated to me by you in a phone conversation on December 20, 2024, that my claim cannot proceed without documentation from a previous roof repair performed in 2017 which includes the following: Name of Roofing Company, Photos of the roof and bank statements. Unfortunately, Universal Property & Casualty was given all the information back in 2017. Otherwise, Universal Property & Casualty would have never dispersed a check to cover the repairs. According to the Florida Insurance Regulations, a check dispersed would be paid-out for recoverable depreciation. That check was only sent after I submitted receipts, photographs before and after repairs. 
  As you requested, I am in the process of asking my Bank to view the statements in 2017 to review when the check was deposited. That information alone should be in Universal system and should be sufficient by itself to overturn this incorrectly denied claim. It is impossible for me to receive those funds unless I have fulfilled my obligation as the Homeowner.
   Also, I no longer possess the detailed records or photos from that 2017 period. However, I have contacted the roofer from 2017 who only keeps 5 years of documented records but will provide me with a statement that he completed the repairs.  You have been provided a recent photo that shows a clear completed repair in question from 2017. The picture that your claim adjuster provided shows the work completed in 2017 and most recent. If you look closely to the photos, you will see that the shingles from 2017 which is a small portion in the front of the house (located above my pond), are a different color than the remaining portion of the entire roof. In 2017, there were no shingles available that matched the original shingles. Therefore, that is the main reason why the small portion that was repaired are a different color along with the original shingles being discontinued and no longer in stock.
   Additionally, Universal is in possession of your own records and inspection that clearly shows the repair from the adjuster visit on October 30, 2024, along with the roofing company representative in which the claim adjuster stated, we are going to have to replace your entire roof. This information was performed in front of myself and two other witnesses.
  I kindly request that the claim be processed based on the current condition of the roof, as the damage appears to be directly related to the recent hurricane, not prior repairs. I have already obtained an independent roofing inspection. However, the representative from the roofing company were onsite while Universal Property & Casualty claim adjuster was taking photos and gathering evidence during her observation which provided evidence of current damage related to the recent hurricane not my previous claim.
  In accordance with Florida Law, Homeowners are provided extensive protections regarding damages caused by natural disasters, such as hurricanes, floods and windstorms: 1. Hurricane and Windstorm Coverage, 2. Flood Insurance, 3. Assignments of Benefits (AOB) Reform, 4. Emergency Mitigation and Repairs. 5. Price Gouging Protections. Therefore, Prompt Claims Handling for my policy entitles me to coverage for damages caused by natural disasters, regardless of prior claims. If additional documentation is required, you must provide a detailed list of what is needed so I can provide the necessary materials promptly for what has occurred from the most recent occurrence, not 7 years ago.
  On December 21, 2024, I received a letter from Universal Property & Casualty indicating that Universal has been investigating my claim from 2017. However, this is brand new information to me and in error. This is the first time I had ever heard of such thing. How is it that a Homeowner who has been faithfully paying for Insurance files a claim in 2024, and suddenly ends up under an investigation from a 2017 claim in which you dispersed a check?
  Florida law prohibits insurers from engaging in unfair claim settlement practices. If you believe the denial was unjustified, you may file a bad faith claim against the insurer. 
  Florida Statute 624.155 allow policyholders to pursue legal action if the insurance company:
  Fails to promptly settle claims
  Misrepresents facts or policy terms
  Unreasonably denies valid claims
  I trust that we can resolve this matter amicably, but I deserve the right to pursue further action, (as you mentioned in our phone conversation related to me hiring an attorney) including filing a complaint with the ****************************************, ****************** on Human Relations (****) and ******************************************* (HUD) should this issue remain unresolved.
  Thank you for your attention to this matter. I look forward to your prompt response.
  
  Sincerely,
  ******* **** Zow
  

  

  Business response

  01/09/2025

  Dear BBB,

  Thank you for allowing us to respond. Please note, the claim has been re-evaluated, and the determination stands. Our management team has discussed the determination with the insured on December 30, 2024.  In addition, on January 3, 2025, and January 6, 2025, made several attempts to further discuss concerns.

  Thank you,

  Customer response

  01/09/2025

  I'm trying to understand why Universal Property & Casualty Insurance Company refused to cover the damages to my roof but continues to collect monthly premiums. If they are unwilling to fulfill their responsibility of paying for roof repairs under the policy, it raises the question of why they are still accepting payments for coverage. See the attachment and keep me posted. The email itself is very misleading. They sent it to me with great intentions as if they were going to replace my roof.

   

   

  Customer response

  01/10/2025

   
  Complaint: 22745907
  
  I am rejecting this response because:I'm trying to understand why Universal Property & Casualty Insurance Company refused to cover the damages to my roof but continues to collect monthly premiums. If they are unwilling to fulfill their responsibility of paying for roof repairs under the policy, it raises the question of why they are still accepting payments for coverage. See the attachment and keep me posted. The email itself is very misleading. They sent it to me with great intentions as if they were going to replace my roof.
  
  Sincerely,
  
  ******* ***

  

  Business response

  01/13/2025

  Although we understand this is an unfortunate circumstance, the determination was made pursuant to the policy terms. The insured may reach out to management as they have attempted to reach her if she wishes to further discuss. 

  Customer response

  01/13/2025

   
  Complaint: 22745907
  

  Attached is the portion of my roof back repaired back in 2017 when it was damaged. Universal Property & Casualty are refusing to provide all of the information I requested because the banks only keep documentation for 7 years. Which means, I would lose my case against them. I cannot wait until the Lord exposes them for all that they have done to policyholders. They have not been honest since I filed a claim on October 10, 2024.

  I am rejecting this response because: If I did something wrong, why is Universal continuously taking premium payments from me? I do not understand why the BBB are not viewing the open cases against Universal Property & Casualty Insurance Company. It's strange and unethical to file a claim in 2024, and suddenly end up under an investigation from 2017. There are no thorough investigations being conducted and no assistance from any agencies. Universal Property & Casualty are notorious for taking premiums from homeowners and rejecting their claims. If you look in the archives, a Judge ordered the CEO to attend a Court hearing due to wrongdoing and Universal Property & Casualty failing to meet its obligations. I will continue to stand for what's right, regardless if you close this complaint. Also, why would Universal pay: $2,000.00 to tarp my roof if I did something wrong? The only reason Universal is getting away with this is due to them being able to modify paperwork in their system. The Lord will work it out!

  
  Sincerely,
  
  ******* ***

  Customer response

  01/14/2025

  Attached is the $2,000 check mailed for the expense of a Tarp from Universal Property & Casualty Insurance Company which was placed on my house.

  Customer response

  01/14/2025

  Attached is the $2,000 check mailed for the expense of a Tarp from Universal Property & Casualty Insurance Company which was placed on my house.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩