Universal Direct - Fort Lauderdale (FL)

2 /5 Christopher Carroll: Initially I was excited about the possibility of finding a great rate for home owners insurance as well as having the convenience of a direct contact with a representative however, communication became scarce and when I needed some fairly straight forward questions answered in a timely manner in order to close on my house my representative quit responding to emails and texts. I ended up switching to another company last minute for our home owners coverage and still have yet to receive a reply in regard to the questions I emailed about. I am not even sure if he knows I cancelled the policy. I went with Progressive and received a better policy with a multi-policy discount. Sometimes its better to just stay with the big guys.

1 /5 Chan Soto: Wow, this insurance company is an absolute nightmare. We filed a claim for water damages in July of 2023. Our home is still not repaired and it’s now 2024. The customer service has proven themselves to not care. We’ve sent multiple emails, calls, left voicemails, and they still continue to drag their feet. We also just found out that they closed our claim, so no adjuster is assigned or taking any accountability/responsibility on our behalf. The claim has not been resolved and my home has not been repaired. I have two small children, ages 4 and 6, who are also suffering due to the lack of professionalism, communication, and due diligence this company is unwilling to enforce. This company is not acting in an ethical manner and is in fact very shady. This company has taken my money and when I actually need their help, they won’t do the right thing. I am disgusted, disappointed, and regretful of ever choosing this company as part of my homeowners insurance. Beware!

1 /5 Kelvin Hall: DONT WASTE YOUR TIME. I switched insurance policy to Universal/Clovered (seems like they go 2 names since iget emails from both companies regarding my policy) 2 months ago. All documents were provided to the company, and everything was finalized and approved. 1 month ago is when I started receiving messages from them stating my policy is going to get canceled. They stated they never received the declarations page from previous insurance. Ok, cool. I called previous insurance and provided that to them. Then they stated my policy is still due to be canceled since the records show my roof is too old. I was baffled by this since I bought this 2 years ago, and It was a total renovation. Im like ok cool, this should be something very easy to solve. I spoke to an agent who advised me that I needed to get the work permit from my county clerk to prove that there was work done. I went, got the permit they requested, and turned that in. They then told me that was not acceptable, and that I needed to get a new roof, And that was the only way for my policy not to be canceled. I requested a call from a manager as that was the craziest thing Ive heard. I have to get a new roof even though my roof was done less than 5 years ago. While waiting for a ball back from manager, I called back to see if a different agent would be able to guide me better. This time, the agent advised me that underwriting stated I needed the paid in full invoice from the people that did the roof. Im like, no way I can get that because this work was done a year or two before I even bought the house. Well, i finally got a call back from a manager advising me that this may have all been miscommunication. He stated that the permit from city hall I turned in was only a permit stating that work was needed to be done on the roof and that I needed a permit of completion from the city. I took another say off of work to get said permit of completion from the city stating the work was completed and passed inspection. I thought that was the end of that. Its now 1 week later, and i get another email stating my policy will be canceled if I dont get a licensed roofer to come take pictures. At this point, I will be looking for a new insurance company so that I dont have lapse in coverage. I repeat, DO NOT WASTE your time with this company. They will keep moving the goal post on you.

4 /5 Dan Gomez: Let me tell you, being a homeowner going on 20 years and two houses, dealing with your insurance company is most definitely one of the experiences you look forward to the least. So when it came time to purchase my latest home and a co-worker sang the praises of Universal Direct, specifically representative Derwin McCarthy, lets say I was still a little skeptical. But dealing with Derwin through the whole process has been a delight! He has a very calm and reassuring demeanor that made me feel very comfortable. More importantly, on two recent occasions when the underwriters tried to remove a credit and then a week later cancel my policy, Derwin stepped up to the plate and went to bat for us to clear everything up. Its a huge weight lifted off your shoulders when you dont have to worry about that stuff and have a strong rep backing you all the way. So while I dont have a ton of great things to say about the underwriting department, the customer service and front office staff have been top notch and that goes a long way.

5 /5 Nicole Clawson: I have been working with this company for the past few months regarding my homeowner and auto insurance policies. Ive had the pleasure of working with Derwin during this process and can say he is one of the best. Whenever I called or emailed he was there with a quick response to help guide me through the process. I have been extremely satisfied with their customer service and would highly recommend this company.