Did you know that as a policyholder, you have the right to dispute an insurance company’s decision and get a second opinion on damages? Unfortunately, many Florida homeowners don’t realize this until they face the frustration of a denied or underpaid claim. According to different reports, many property owners who filed claims with Universal Property and Casualty Insurance were met with delays, lowball settlements, or outright denials after Hurricane Milton.
Hurricane Milton’s aftermath left families with damaged roofs, flooded interiors, and mold infestations, but for many, the bigger disaster was the lack of financial support from their insurance provider. Florida’s unique hurricane risk demands reliable coverage, yet many homeowners found themselves fighting for every penny of their rightful compensation.
The Grim Reality of Insurance Denials
Statistics paint a sobering picture: the probability of an insurance claim being approved without disputes is alarmingly low. In Florida, nearly 30% of claims made after hurricanes are either outright denied or underpaid. Among those, Universal Property and Casualty Insurance emerged as one of the companies that left many homeowners in a financial lurch.
A 2023 report on hurricane claims revealed that nearly 40% of policyholders filing claims with Universal Property and Casualty Insurance received offers significantly lower than the actual cost of repairs. Homeowners described experiences of delayed responses, rejected claims, and settlements that didn’t even cover basic repair needs.
Why Claims Are Denied or Reduced
Understanding why claims are denied or underpaid is critical. Here are some common reasons cited by Universal Property and Casualty Insurance:
- Insufficient Documentation: Claims were denied due to missing photos, receipts, or other supporting documents.
- Excluded Damages: Damage labeled as “pre-existing” or outside the policy’s scope.
- Underestimated Repairs: Payouts based on low repair cost estimates that didn’t reflect actual market prices.
The Human Impact of Insurance Underpayment
For Florida homeowners, these denials and underpayments can be devastating. Following Hurricane Milton, many families found themselves struggling to repair roofs, replace flood-damaged interiors, or address mold infestations. Some were forced to drain savings or take on additional debt, all while waiting for fair treatment from Universal Property and Casualty Insurance.
Florida Public Adjusting: Decades of Expertise in Property Claims
When insurance companies fail, Florida Public Adjusting steps in as a beacon of hope for policyholders. With over 15 years of experience, this licensed and insured public adjusting company has helped thousands of homeowners and business owners navigate the complexities of property insurance claims. Their mission is simple: to ensure you receive the compensation you deserve for damages to your property.
Florida Public Adjusting specializes in handling claims for all types of property damage, including:
- Storm and Flood Damage
- Water and Fire Damage
- Mold Damage
- Theft Damage
Their in-depth knowledge of Florida’s unique insurance laws, coupled with their dedication to client success, has made them a trusted ally for homeowners across the state.
Why Choose Florida Public Adjusting?
- Experienced Advocates: With over 15 years in the industry, Florida Public Adjusting has seen it all. They know the tactics insurance companies use to delay or reduce payouts and how to counter them effectively.
- Comprehensive Services: From initial inspections to claim negotiations and appeals, their team handles every aspect of the claims process.
- Proven Results: Policyholders who work with Florida Public Adjusting report significantly better settlements compared to handling claims on their own.
- Personalized Support: Every claim is unique, and Florida Public Adjusting takes the time to understand your situation and fight for your specific needs.
Real Stories, Real Results
Take, for example, a homeowner in Tampa who filed a claim with Universal Property and Casualty Insurance for roof and water damage after Hurricane Milton. Initially offered a settlement that covered only 30% of repair costs, they turned to Florida Public Adjusting for help. Through expert negotiation and detailed documentation, Florida Public Adjusting secured a payout that was three times the initial offer, allowing the homeowner to fully restore their property.
Don’t Let Universal Property and Casualty Insurance Undermine Your Recovery
If you’re dealing with an underpaid or denied claim, you’re not alone. Thousands of homeowners across Florida have faced the same struggles after Hurricane Milton. But with the right help, you can fight back.
Contact Florida Public Adjusting today to ensure your claim is handled properly. With decades of experience and a proven track record, they can help you navigate the complexities of insurance claims and secure the compensation you deserve. Don’t let Universal Property and Casualty Insurance dictate the terms of your recovery—take control of your property’s future with Florida Public Adjusting.
