Claims and service

Universal Direct is backed by Universal Property & Casualty Insurance Company (UPCIC), and they will handle your claims with undivided personal attention. Their goal is to give customers the quickest turnaround time possible on all claims. If you have suffered a loss or damage, please submit a claim on the UPCIC website.

In the event of a catastrophe, such as a hurricane, the number of claims being made will be significant and everyone will be trying to call at the same time. You may experience delays in connecting with representatives. During the time of high call volumes you will still be able to report claims 24 x 7. UPCIC has implemented a sophisticated computer telephony system which will route your messages to representatives who will get back to you, rest assured.

If you have suffered damage to your home, please take the following steps before submitting your claim to minimize the damage, as long as it is safe to do so:

  • Take photos of the damage. This will help speed up the claims process and provide you with an immediate record of the damage.
  • Remember to keep all your receipts for any temporary repairs you make. Also retain receipts for living expenses as a result of the loss to your residence.
  • If it is safe to do so and you are not risking injury to your family and friends, take whatever steps you can to prevent further damage. Your claim representative can provide you with recommendations and advice for preventing further damage.
  • While it is tempting to clean up as much as possible, especially after a hurricane, do not throw away damaged belongings such as furniture or personal items until they have been inspected by your claim representative.