universal property and casualty review: company will not pay for our roof to be replaced 50

Just a few other things I wanted to say about my experiences with this company…hopefully my words will help someone else know what this company was really like when I was working there so someone else doesn’t have to experience what I experienced while working there.. this is one of the worst companies I have ever worked for: ONE OF THE WORST COMPANIES EVER TO WORK FOR. I believe the managers there are very inhumane, very unintelligent, and very unprofessional, and I wonder how in the world they ever became managers because they don’t manage conflicts well in terms of handling situations, but the managers there make the situations much worse than what they were originally, by not only denying what you are complaining about with the conflict, situation, or problem at work that is happening to you, they deny all this so the upper management doesn't have to look into it or fix what is happening to you, but the upper management allows its new employees to be treated in a disrespectful and disgraceful way, and condones the mistreatment of its new employees by ignoring the complaints brought to their attention by you no matter how much you try to get them to look into it and to do better by you.

This company is not a company to put any faith, belief, or value in, in regards to doing what is in the best interest of their employees. This company practices in bad faith in terms of the well-being of their new employees. THE MANAGEMENT AT THIS COMPANY IS HORRIBLE, AND MANY OF THE MANAGERS THERE THINK ON A CHILDISH LOW SKILLED LEVEL WITH DEALING WITH PROBLEMS, SO THEY SWEEP THE PROBLEMS, SITUATIONS, OR CONFLICTS UNDER THE RUG INSTEAD OF HANDLING THE ROOT OF WHY THE PROBLEM BEGAN IN THE FIRST PLACE SO THE PROBLEM, SITUATIONS, AND CONFLICTS CONTINUE TO EFFECT AND BOTHER OTHER EMPLOYEES WHO CONTINUE TO WORK THERE OR WHO ARE GOING TO START WORKING THERE IN THE FUTURE.

Very immoral and very shady principles at Universal Property and Causality, and no real ethics or values come from this company. This isn't a company to be proud to work for as the managers you are working under are very lazy and foolish. The values this company has are backwards because the values this company has is to allow new employees to get treated less than favorable, this company allows its management to treat their new employees like ###. The values of this company are as follows: to allow their new employees to be treated like trash, to not train their new employees well enough so they don’t perform or succeed in the company due to the sheer laziness and lack of skill and competency and lack of hard work of the management there, to allow the management to get away with treating the new employees like trash, and to deny things the management knows is happening between a new and an old employee so that Universal Property and Causality doesn't get in trouble or doesn't have to look into it or do anything to make things better.

A lot of the managers there have no soul, have a coward personality, have a terrible character, and have no conscience; the management there almost treats you like a puppet to pull the strings or like an ant to step on. The managers at this company should switch job positions with the cleaning people there, because the cleaning people there (the janitorial staff) are wiser, smarter, and more hardworking, helpful, and humane than most of the managers there will ever be.

This company doesn't take any ownership in the job loss of its new employee or the mistreatment of its new employee, and several times new employees have lost their jobs because of the incompetency, mistreatment, and ignorance of a manager who has been there longer than them. I feel like this company will just hire anybody, and make anybody a manager without seeing if the person is even capable mentally or skill level of being a good or quality manager or supervisor. A lot of the managers there lack mental capabilities and lack skill levels to ever be proper and adequate managers, and if the managers here went to manage at a legitimate company they wouldn't last very long. A lot of the managers need to take a conflict resolution and conflict management class to work on the mistreatment and gossip about new employees who just started working there. So much gossip happens at this company, and it reminds me of high school, where gossip and bullying from the popular kids gets people ahead of the group and bullies are idolized.

Denying problems with old employees and new employees is the way this company works: if this company denies it is happening, there is nothing for them to look into, this company can just cover it up and hide the mistreatment of the new employee by terminating them and hiring someone else, and get away with it (they have done this a couple of times to new employees), just like this company denies its insured’s claims when they know they should be covering their insured’s claims, and then this company covers up their shady and dishonest deeds by saying they can’t cover their insured’s’ because it is something not covered in their insurance policy. This company looks for any way to not pay an insurance claim, and this company is driven by greed, this company is not driven to help its insured’s, rather they are concerned with making a profit at any and all cost. See this company is shady not just in how they treat their insured’s, but how they treat their employees too especially if you are new there. Lots of cover ups. Lots of deceit. Lots of dishonest practices. This company is the total opposite of a what a genuine and real, legitimate company ought to be.

This company solves problems with old and new employees by terminating the new employee even though the old employee is the one in the wrongdoing. Lots of abuse of power with the old employees and managers. A new employee almost has to compromise his or her values or beliefs to keep a job with this company. This company is not looking to benefit or better its new employee’s life in any way. You have to keep your mouth shut about things as a new employee if you want to keep your job, even if you are treated in a despicable way. A lot of the old employees and managers there are followers, and will do whatever they are being told even if it is wrong and they know it is wrong just to stay employed.

I think there is something wrong with some of the managers thinking there, it seems like some of them are off balance or uneasy or unsettled in their moods, you could even prove a manager is in the wrong and not doing their job like they ought to and the upper management there will allow it to happen with no conscious thought to mind, like it is normal to allow managers to be unethical, unprofessional, lazy, dishonest, rude, and disrespectful.

Also, another thing about this company is the managers live in a state of denial in regards to their old employees being no good. An old employee can bully, mistreat, not train, or belittle a new employee and the old employee is never penalized...It is almost like the old employee or manager who treats the new employee like crap is seen as the victim or praised for being trashy or class-less…
With all that said, this company is underhanded, sneaky, and dishonorable…I wish I had Googled the name of this company before I worked for them and read all of the reviews on here, because if I DID I WOULD HAVE NEVER WORKED FOR THEM…I BELIEVE THE PEOPLE WHO ARE WRITING THE REVIEWS ON HERE ABOUT THIS COMPANY ON COMPLAINTSBOARD ARE TELLING THE TRUTH, BECAUSE OF WHAT I SAW AND HEARD WHILE I WORKED THERE, A LOT OF WHAT IS SAID HERE, CONFIRMS MY FEELINGS AND BELIEFS OF THE COMPANY WHILE I WORKED THERE…THIS COMPANY IS VERY SKETCHY, KIND OF LIKE MYSTERIOUS AND STRANGE, AND JUST NOT QUALITY…

ACCORDING TO THE OTHER REVIEWS HERE, IF THIS COMPANY TREATS ITS CURRENT INSUREDS LIKE THIS, IMAGINE HOW THIS COMPANY TREATS ITS CURRENT EMPLOYEES? JUST AS WORSE IF NOT EVEN MORE WORSE…HOW PEOPLE TREAT THEIR EMPLOYEES AND ITS INSUREDS IS AN INDICATOR OF HOW THEY WILL TREAT FUTURE PEOPLE TO COME…WHETHER FUTURE INSUREDS OR FUTURE EMPLOYEES…

WHEN YOU SEE THE WORD UNIVERSAL FOR THIS COMPANY, AND THEN THE ELEPHANT YOU THINK A WORLDLY DIVERSE ETHICAL INSURANCE COMPANY, THAT REACHES OVER DIFFERENT LEVELS OF PEOPLE AND EMBRACES THEM BY WORKING UNIVERSAL (WIDE AND FAR TO DIFFERENT REGIONS OF PEOPLE), BUT THE COMPANY IS SO MUCH FURTHER THAN WHAT THEY CLAIM TO BE…I FEEL THE COMPANY IS VERY MISLEADING NOT JUST TO ITS INSUREDS BUT TO NEW EMPLOYEES, LIKE MYSELF WHEN I WAS THERE…WHAT A WASTE OF TIME.

UPCIC has a rep for non payment of claims. They find is cheaper to keep a 100 or so lawyers on their letterhead and to deny claims so as to keep their stock prices up. They win only by attrition as most folks give up. We had an example of a known arson housefire where UPCIC refused to pay and event went to litigation and they still won't settle. Cheaper for them to continue to set up barriers. Do not understand since they are the second worst company in Florida. Our complaints have fallen upon deaf ears. Too much political clout for common person to fight. Just know that they DO NO PAY CLAIMS. Seek insurance elsewhere.

Our agent recommended we switch to Universal to get a better rate. After 81 days, we received a letter stating they were cancelling our policy, that our roof was in poor condition. We re shingled in 1998 at the same time when we had an inground pool installed. We did not pull a permit because we performed the work ourselves. Thisaction has come back to haunt us. Funny thing is, we just refinanced and the house passed inspection with 10-12 years left on the roof. We were not notified that we were having an inspection. My husband happened on someone trespassing on our property. We have a fenced in yard and this person left our gate open. I glad our old dog did not get out and wander off. We are supposed to get a refund check. We cannot find out how much we will be reimbursed. We cannot even find out how long it will take to receive it. We pay up front for the entire year. We had to bind coverage with another company and are going through the same B***S***. And we passed on the wind mitigation. Now we have paid for two policies. I think this another way for insurance companies to rip off the consumer. We have never filed a claim for homeowners and quite frankly, unless it was catastrophic, never would, for fear of losing our coverage. Why do these insurance companies hold so much power?

I'm currently dealing with this insurance company. I filed a claim on my roof for wind damage, and also damage done on the inside of my home. They said they was doing a partial denile of my claim. They said they would cover the roof, but not the interior of the home because they could see no visible holes in my roof. They agreed that damage was done, shingles were missing, and many were lifted from wind damage. Then they told me that with a $2500 deductabile, and a 2% on $234, 000 deductabile, with depreciation valued at $2, 800, that they wouldn't pay anything, that the payout was less than the above figures. How do they think the water started entering my home? It was fine until shingles were missing, and lifted..My policy reads that if the peril is damaged by wind or hail and causes an opening which allows rain, snow, or dust to enter, then I'm covered..I had them tell me several times that it has to be a visible hole, where they could stand on roof and see into my attic. This was also told to me, , "This is our interpretation of how your policy reads" My policy is in black and white! not to be interperatted... now they are dening renewal of my policy for the up coming 2016 year because they say I have a faulty roofing system, and damages to the inside of my home was from a compromised roof!duhhh...The wind damage was what compromised everything..the soul reason for the filing of my claim..I am currently unemployed now, and my wife barley makes enough to cover the bills..We cant afford to pay anyone for services right now, and need help! The rain keeps coming and the inside of our home is being completly ruined, I spent our last $2200 on a tin roof that covers a very small portion of our home, and now with more wind and rain damage, it still leaks in the two rooms that the tin roof covers..leaking from above it and running down..This company has to pay, what can I do?Is there any we get paid if you get paid lawyers out there?Or brobono kinds of help, Can we all team together to fight this company?Where is the help when you need it the most..is there an insurance company that covers that!

They are terrible! 7 months months later I am still waiting for a fair payout from them. I am without kitchen cabinets. kitchen wall etc... I'm a prisoner. Anyone going through non payment or unfair settlement

We are new home owners and have already had to file 3 claims for issues in our home. The first was a plumbing issue where we were experiencing sewage back ups. Universal denied the claim because when they came out there was no visible damage to our property. We spent $3800 out of pocket to get that issue fixed. In getting that issue fixed, we had to have our cement pulled up and dug down. Now we have visible damage. Filed a claim for that and for some reason it has been attached to the first closed and denied claim. So when we call to check status, we get a big run around. This has been going on since May and we've sent in the repair invoice for $600.00. Now we're being told that its under review and to call back in a week. The 3rd claim is for a leak that sprung in our hallway. The adjuster came out a month ago..along with a roofer. We're being told that is under review as well. My complaint is how long it takes to accomplish these reviews. The representatives that you speak with are not well-versed in what to say to the customer, which makes it extremely difficult to get any clear-cut answers. As soon as we rap it up, we're going with someone else!

I have renters insurance with Universal Properties. While I do live in Hawaii, my landlord required me to have renters insurance in which I have has for almost a year.
My rental home was broken into on April 4th, 2017 with a few items broken, few laptops stolen including the printer,
The garage where I have all of my mechanical tools to work on vehicles were all stolen.
Items like a air compressor, air impact wrenches, car ramp, engine hoist, test equipment, 30 plus years of hand tools and specialized tools in the removal for certain parts of a vehicle.
I even had a safe with all of my military documents, awards, pictures, birth certificates, marriage license and other important documents in the safe that got stolen.
I made a police report, contacted the insurance company that same day via email since it was a weekend. I was contacted a week later and emailed me documents that I needed to fill out and sign and fax back to them.
Having no computer to use it took a week to find someone who had Microsoft 360 and a printer to print out the documents.
Beginning of May, they asked for the police report and a sworn statement of loss and a copy of all lost and damaged items that had to be notorized.
I faced the information into them and sent them an email asking if they need anything else.
A week later they sent me a email asking for pictures, receipts, cancelled checks or credit card bills and ect...
I sent them all that I could locate and sent to them via email.
30 years of tools I am not going to have receipts for but was able to send pictures of all of my tool boxes with the tools inside and receipts from Ebay and Amazon where I could get receipts.
I just do not understand why it took 2 weeks for them to email me to show proof of ownership since I talked to them 2 weeks earlier asking them what else do they need and what I can do to help with this claim.
With all of my tools stolen, I am now in a hard spot since I can no longer do work on vehicles to make income.
All I really want from this company is to keep me up to date in a timely manor and stop treating me like I was the one who did something wrong.
Just like to have this claim processed faster then what it is now taking so that I can get back to work and actually start making income again.
For some reason, it seems like they are taking there time with my claim while at the same time I can not do any work at the time being.
I just wonder how long did it take for other people here to get their claim settled or denied.

This insurance company is killing me! I have mold/mildew coverage.. they denied claim. Hurricane sustained roof damage.. they denied. All my contents.. they denied. I begged them for help.. they lied. I have all documents that prove my claim. Universal claims the holes left in my roof from the storm, caused flooding in my home. Flood coverage not applicable. Therefore I'm denied. I thoroughly mitigated damages. I've been living in biological hazard since storm. Hospitalized with respiratory complications because of air quality. I'm looking for the best attorney in Northeast Florida. Any recommendations?

Our law firm won a case against Universal Property & Casualty Insurance in 4/2018 for a sinkhole loss that was filed in 2009! This company accused our clients of fraud and dragged this case out for 9 years, but our clients finally will get some justice though there was a decade of torture.