Dealing with insurance, especially after a hurricane, can be frustrating. Everyone at Universal could not be nicer. They have always gone out of their way to answer my questions and help me through this loss. I appreciate the kindness and patience I have received.

Premiums increased every year with renewal, with or without claims. Never spoke to a person expect when attempting a claim after Hurricane Florence in 2018, which was to basically say “sorry damages aren’t worth more than your deductible.” (BTW, in what world do the repairs/replacement of all these amount to less than $2500 - total gutters replacement, partial roof shingle replacement, multiple window screens/shutters replacement, personal property to include clothing for 4 people, welding business equipment, and two damaged sheds (“other structures”), one flipped on it’s roof and the other in pieces under a fallen tree.)I signed for the mortgagee to be billed once for the next year’s renewal when I purchased the home - they renewed my policy the next 3 years without more than one email containing the offer to me, and sadly I trusted them too much. The fourth year, they took over $1000 from my escrow account THREE DAYS after emailing an offer of renewal and SIX WEEKS before my policy expired! There was no contact with me to confirm my wishes, and I had not even seen the email yet! As a disabled veteran on a fixed income, this company should be ashamed! I switched to USAA for more coverage at an annual premium of $207 with my membership discount. I hope this company fails.

Our claim was filed in June 2020. Universal provided the estimate which our contractor excepted without change. The contractors were completed in a timely manner and not paid! This is a small minority owned company in Indiana and has cost this company to potentially go out of business! Between my broker, myself and my contractor we’ve made over 70 attempts to collect the money that is due! Each time they said things were not completed through their miserable, low functioning, non-user-friendly portal. We’ve been passed around to at least 10 people.... always with the same answer... Will research it and get back to you. Of course they do not. Each time I let them know my contractor is going to file a lien, they release a small check. But the work has been completed for almost 90 days!!! My contractor had to borrow money from a bank to pay his employees for the job that they completed at my home, that my insurance company agreed to pay!I ask Unviversal Insurance what would happen if I didn’t pay my insurance invoice each month and of course they said I would be canceled....I have begged, pleaded, cried, for resolution! I had To resort to threatening calling an attorney and filing a report with the department of insurance. I don’t understand this and believe me as many people as I can get to share this information about universal insurance I WILL , so no one else has to endure this and no other small companies will suffer!

This is by far the worst insurance company I have ever dealt with.  I’m not someone who usually writes reviews, but the level of frustration and lack of professionalism from this company left me no choice. The communication was absolutely unacceptable. We never received a single call, no explanation, nothing. Our roof was repaired, estimates and photos were sent as requested, and after more than 5 months and at least 10 unanswered calls—yes, 10 calls—we were simply told they wouldn’t cover the full cost.  Their excuse? That we never provided the necessary information. The same information they never asked for—not once. We called, followed up, waited, and got no guidance, no response, no help. Then they paid whatever amount they felt like, with no accountability.  This company operates with zero transparency, zero professionalism, and zero respect for their clients’ time or needs. If you’re considering using them—don’t. It’s been one of the most frustrating experiences I’ve had with any service provider.