Customer ReviewsforUniversal North America Insurance Company

Never transact anything with this company unless you want to suffer.They sent an independent adjuster, he is aware of my deductible of $2,500 , looking at the damage made by broken pipe , molds on the drywall . He assumed that total expenses would be $2,460.25 . Wow! He is not even a contractor to justify the expenses and he further stated the house is brand new. Sometimes envy goes a long way to the point it blurs his judgement. I hope he would have worst experience than me so he knows the feeling . My last year with this company. By the way, 1 star is too much to rate them.

They have a policy that they will only insure up to 2 people on a homeowners policy. When they discovered that we had both my mother and my spouse on the deed, bringing us to 3 insured, they dropped our insurance. Apparently my 82 year old mother is too great of an underwriting risk.

Beware of this incompetent company. They have gladly accepted our money for 5 years with no issue. As soon as we submit a claim they are non responsive and refuse to provide an escalation or help on the claim. After being a month late on providing an approved amount to cover the repairs they offered $4000.00 compared to the contractors $18000.00 quote. Stay away from this company and find one more reputable.

This firm will talk the talk to get your money. When or if you file a claim they will change adjusters multiple times to avoid making a pay out. Worst company in my opinion. I suggest avoiding at all costs. During Ian, no where to be found. All my **** neighbors who did not have this firm were helped. We were and are left with the worst customer service experience.

Run! Run! I made a claim after some water damage to my ceiling and hard wood floors. I was assigned to adjuster ***. I waited weeks to receive a call from the local adjuster to access the damage. I called the insurance adjuster(***) back and he said he forgot about me. He finally sent a local 3rd party damage adjuster to access the damage. There was a lot of damage to the hardwood Floors and they were bowed. The local adjuster reported that the floors could be sanded??? The adjuster *** had forgot about me again and I had to call him after weeks. He told me that he was sending a check to have the floors sanded. I told him no, bowed up floors could not be sanded and to not send a check for that. He said he would send Steamatic out to access the damage and they could also do the work he also stated that Steamatic was 4~6 weeks booked up. He also said he was sending the check for the floor sanding amount. Steamatic came out and stated that the floor had to be replaced but they were 12 weeks booked out. I waited weeks again to hear from *** and finally had to call him back ( he forgot me again ) Steamatic sent an assessment for replacing the floors and fixing the ceiling. I told him they were 12 weeks out and I would find my own local contractors. He told me that since I already received the first check he would send the difference. Keep in mind that it had been a month since he said he was sending the first check. He said it was sent and that I had it. I told him I never received it and he insinuated that I took the check. He was passive aggressive, rude and nasty. He asked if he should cancel the check. Why yes moron. The check shows up on 10/20 with everything in the envelope dated 9/23., *** did sent on that date.Now I have a cancelled check. I have been trying to get in touch with *** and I am holding 45 min to an hour and have to hang up. I was not given a direct number it even an email. Premium just went up $500. and I still have a mess.

My husband purchased homeowners insurance from this company; let me tell you think company is a JOKE! We have used them since June 2014. In January we had a bad storm in South Carolina. We called and made a claim with the company on January 3rd the adjuster came to our house a week later. Informed us we needed a new roof from hail and wind damage not mention our fence was completely broken from the storm as well which is covered on our insurance policy. Now we are in March ; we have yet to hear anything from them still. We have called several times and emailed as well absolutely NOTHING. My roof is slowly loosing more shingles and my fence is held by two 4x4 post. I am very tired of having to call this company to get an answer when we pay them monthly to protect our home. Its easier for them to take money than to give it. I would appreciate to get this matter handled. * Update* We have received a check in the mail; was informed his our estimates cost more than what they gave us to send the estimates over. Well I did that in April and here we are again... One month later still nothing except our agent was changed to someone else. I have called multiple times and left message after message trying to get some sort of an answer which I have yet to receive from anyone! This is very unacceptable. my fence is still not fixed as well as my roof. I would like for this to be resolved to I can get my household back to normal!

Horrible company to deal with. A subcontractor came to my 20 year old home to inspect it, totally unannounced. We just put on a new roof, new floor and painted the exterior. New water heater, new HVAC system. The contractor was very rude. Next thing we know I get a letter in the USPS mail that they have dropped my home property insurance. I called them and got no legitimate answers as to why they dropped us. I just picked up a new insurance underwriter that hopefully will be a lot more reliable than Miami based Universal North America. They are a Joke. If I could give less than one star I would. In well over 10 years we have never filed a claim. They suddenly raised our rate by $700 so total was around $2500 annually. They just rip home owners off.