Before you make a claim
The Claims Department at Universal Property & Casualty Insurance Company (UPCIC) is ready to help resolve your claim as quickly and efficiently as possible. If you have suffered a loss or damage your claims process begins here. Before you start the claim process the following steps should be taken to minimize loss:
- Take photos of the damage.
- Take whatever steps you can to prevent further damage. Make sure it is safe to make the temporary repairs and you are not risking injury to yourself or your family and friends or risking further damage. Your claim representative can provide you with recommendations and advice for undertaking any repairs.
- 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.
- While tempted to clean up as much as possible, especially after a hurricane, do not throw away household belongings such as furniture or any personal items until these items have been inspected by a UPCIC representative.
You can file your claim entirely online. You'll just need to create a web account and subscribe to your policy.File a claim online
File by phone
In the event of a natural disaster or catastrophe, such as a hurricane, the number of claims being made by victims 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.
Select the appropriate number based upon the location of your insured property.