I work with a Restoration Company and have been interacting with Nelson LaTouche, Claims Examiner at Universal, for the past three years. Throughout this period he has always dealt with me professionally, expeditiously and fairly. He has a positive attitude towards his work and communicates well, in addition to following through on his tasks. He is truly a shining star and a stellar representative of Universal.
This company is your typical over promise, and under deliver insurance. I purchased my home in November of 2020, the home inspection included a 4 point and wind mitigation which passed, and UPC discounted my insurance premium for having this type of inspection performed. I guess the wind mitigation, and 4 point inspection are only good when they want to win your business because I ve experienced a severe leak in my roof, and water poured through my light fixture all over my floors. We ve experienced some severe weather all year in central Florida, and I figured calling my insurance company would be the proper thing to do. Well over 2 months have passed, I now have multiple water leaks, and stains in various areas of the home, and black mold growing in 4 different areas. The field adjuster from a third party company UPC assigned to the claim, he stated the roof was shot and needed to be replaced after we followed up to see how long his report was going to take. I called UPC and they said the field adjuster did not file his report yet, when I spoke to the field adjuster he said he filed the full report 3 weeks earlier. Here I am waiting for the desk adjuster after he requested photos, videos, and my original inspection report waiting for good news, he decides to tell me it will be an additional week or two before he s completed this was said on 9/22. 3 hours later he sends an email stating my claim is denied because my original inspection showed the areas causing this issue were the same found in my original home inspection. Claim denied. The inspection stated roof life expectancy 3-4 years before a replacement, it s been only 9 months. I m curious how an insurance company can insure someone, and how an inspection company can pass a 4 point and wind mitigation report if the roof was this bad at the time of inspection ? Oh that s right they can t. Now as I sit here with my pregnant wife, and 4 year old with black mold growing in the home for 2 months, and continuous leaks, I now have to worry about our of pocket costs to protect my families health. All I wanted to do was pay my deductible, and go about this the proper way, but now I will have to take legal action on top of moving out of my house for a couple of weeks to perform mold remediation. Steer clear of this company unless you enjoy paying premiums for something they will never cover even it means jeopardizing your health. Do yourself a favor, choose another company. We ll see you in court UPC, but you re probably used to it by now. Thanks desktop Jeremy
My first encounter was directly after my home fire with Mr Jeff Gibbs, he was not only professional and well versed, he was also kind.
Ms Andrea Richard's has been with me from the beginning. She kept me informed on what I needed to know. If I had a question, she immediately got back to me.
Losing my home and all my animals was heartbreaking. Their kindness did not go unnoticed or unappreciated.
UPDATE: its amazing how fast the person who monitors the google reviews responds but still ZERO response to my emails including the one I sent to claims support. STEER CLEAR OF THIS COMPANY if you have the option.
I am not sure exactly what is happening and why we are being ignored and our claim unpaid after over a year. I have submitted all the required information multiple times to multiple agents who seem to disappear, provided thorough backup documentation, and provided proof of payment with bank statement for every single transaction we included in the claim. We were provided with a laughable $400 to restore 3 different areas of our home after the mold remediation was complete. At this point we are forced to reach out to the State of Florida Insurance Commissioner as Universal Property and Casualty has failed to meet their obligation to us as insured customers paying over an $11K annual premium.
I spoke with Stephen Montgomery today in agent services to resolve an issue we had on a policy for a client who passed away. He was incredibly helpful, gracious and kind as he walked us though the process. As an agent we really appreciate this kind of treatment and consideration for our clients, especially when they may be going through a tough time. Thank you Stephen!!
Adam Feinstein is one of the best professional that I have ever dealt with. He is courteous , thorough and Professional. Our home was stuck by lightning, there was panic and confusion in my home. Adam came to the rescue with calm , caring , professionalism; and took care of our family in this time of crisis. Hats off to him !!!
My home was struck by lightning which caught my attic on fire. Andrea Richards was my adjuster, and she was nothing short of amazing. She always responded quickly to my emails and answered all my questions while guiding me through this process. She made sure things were moving quickly and efficiently so I did not have to be out of my home for an extended period of time. Because of her, I was able to get the money needed to repair my home with excellent quality. Andrea truly cares about the families she works with, and I am greatly appreciative of her!
I would never recommend this place to anyone. They are plain out crooks. I was a loyal client for all of 9 YEARS. Never filed a claim or missed a payment (Although my last payment was duplicated.). I filed ONE claim in 2018 and you better believe they dropped me by 2019. For no justified reason, this company DENIED my claim then immediately terminated my policy against my will. Their inspector came out to "look at the issue" This disrespectful individual began taking photos of my ENTIRE home AGAINST MY CONSENT. The issue was with the pipes. She was taking photos of the ceiling and things that had NOTHING to do with the CLAIM, Any ways, she is a con artist just like the company that employees her. These people never intended to let me use my policy. They will come up with a reason to not pay. Be careful if you are dealing with them. I have proof in my screenshots. 10 payments for 9 years. and 1 little claim exposed these cowards!
My review is solely for the EMS department - Nelson Latouche. He answers the phone when we call him to review and settle EMS cases and we really appreciate how he does his best to work with us. He is responsive, professional and although I don't always love the settlement offers, the fact that he ANSWERS to us makes a huge difference.
Charles Derry is great too in that he schedules conference calls with us to settle cases vs waiting for them to pile up!
I work for a Water Restoration company in Florida. Nelson LaTouche is the assigned adjuster on the majority of our claims. I have been working with him for approximately 4 years. He's always fair and eager to help. I would highly recommend Nelson and Universal property.
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