Universal Property & Casualty Insurance Company Review 2019


Review written by:

- Policy holder
In September 2018 I contacted them regarding a water leak in my master bathroom that had caused damage out extending outside of the shower. Two weeks later they sent an adjuster who would not even crawl under the house to see the extent of the damage. I have left multiple messages requesting a call back and instruction on how to go about fixing. Noone ever returned my call. In November they sent me a check for a little over a thousand dollars. I was finally able to reach a customer service representative and informed her I was disputing their assessment because all tile in the shower and floor as well as sub flooring will need to be replaced. I had obtained two estimates both over 10 thousand to repair the bathroom. She asked me to upload the estimate which I did while on the phone with her. This was in November, now it is January and I have not heard anything further. I contacted them again at the end of December and they told me they had not assigned a new adjuster to my claim. Today I am filing a complaint with the Ga insurance commissioner. Monday I will consult a lawyer.
Shelley C.
- Policy holder
I placed a claim in January due to a plumbing issue. My kitchen had to be re-done. Claim process was slow at first plus it was also a nightmare to get workers. During the process my claims adjuster was changed the person assigned who was able to settle/close my claim was Jodi Spilotras​. Jodi was so professional, fast, just excellent customer service all around. Thanks Jodi!!!
Carol D.
- Policy holder

Carrier Overview

As one of the largest private home insurance companies in Florida, Universal Property & Casualty Insurance offers a range of policies for homeowners and renters. The company is wholly-owned subsidiary of the publicly-listed Universal Insurance Holding Company of Florida.



  • Homeowners
  • Renters
  • Condominium
  • Dwelling coverage
  • Other structures coverage
  • Dwelling fire
  • Personal property
  • Personal liability

How to Buy a Policy

Universal has partnerships with hundreds of insurance agencies throughout Florida. The company helps you to get in touch with an agent near you directly from its website. A phone number and address are provided after you enter your zip code.

If you prefer to stay online, Universal also offers a “direct” option, which means you don’t have to speak with an agent or customer service representative. The company’s portal allows you to fill in a questionnaire and then purchase your policy online.


Discounts offered

According to its website, Universal offers “significant” discounts to policyholders whose homes, condos or apartments have loss reduction feature that qualify under the state-approved discount program.

In order to determine your eligibility for these discounts, you must first submit an inspection form completed by a qualified inspector.



How to make payments

Universal does not directly accept payments via credit or debit card.

It accepts ACH Payments via phone or online using the routing and account number from your US Based Checking or Savings account.

The company also accepts checks and certified funds mailed in. It is an electronic recipient for online bill payment providers, and currently listed as “Universal Property Casualty INS”.


How to File a Claim

In the event you need to file a claim, Universal allows you to do so entirely online. This can be a seamless process for many individuals. There is also a “fast track” program available.

However, if your claim is a result of a disaster or catastrophe, getting in touch with a real representative may be the better option, although trickier. During the last hurricane in 2017, Universal warned customers of delays in regards to filing claims.

Because of this, Universal now offers a “sophisticated computer telephony system” which redirects your messages to other representatives who will get back to you.



  • Policy number
  • Date of loss
  • Loss description

Reinsurance program

According to its website, Universal had a comprehensive reinsurance program in place for the 2017 hurricane season. This includes:

  • ‍Catastrophe excess of loss provided by the Florida Hurricane Catastrophe Fund (Mandatory Layer) at the 90% level
  • Catastrophe excess of loss
  • Second, Third and Fourth Event catastrophe excess of loss
  • Reinstatement Premium Protection

Career Opportunities

With operations in 17 states and continued expansion on the horizon, Universal is actively seeking energetic and high-achieving self-starters to join its team. The company says it offers many exciting and lucrative career paths. Here are the latest job opportunities at Universal Property & Casualty Insurance.


How to Become an Agent 

If you are an agent looking to work with Universal Property & Casualty Insurance Company, you may apply for an appointment by email.

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