Universal Insurance
A publicly traded property insurer focused on homeowners coverage in Florida and other catastrophe-exposed states. Universal is one of the largest private homeowners insurers in Florida.
Headquarters
Fort Lauderdale, Florida
Claims phone
Check carrier website for current claims number
Xactimate
Uses Xactimate for estimates
What Universal Insurance is known for
- Major Florida homeowners insurer
- Publicly traded on NYSE
- Multi-state catastrophe market focus
Filing a claim with Universal Insurance
Practical tips for restoration professionals working Universal Insurance claims.
Universal handles a high volume of Florida storm claims. Have your documentation ready early in the process.
They may use managed repair or preferred vendor programs. Understand how this affects the scope and supplement process.
Universal adjusters use Xactimate. Prepare a detailed line-by-line scope for comparison.
Follow up consistently on supplements. High claim volumes can slow the review process.
Working with Universal Insurance in Xactimate
Universal Insurance adjusters write their property damage estimates in Xactimate. When you receive their scope, you can import it into Xactimate and run a line-by-line comparison against your own estimate. Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades. If you start with a PDF estimate from Universal Insurance, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.
Common deductible types
Frequently asked questions
Universal primarily serves homeowners in Florida with additional presence in other catastrophe-exposed states. Check their website for specific state availability.
Visit universalinsuranceholdings.com for current claims contact information. Their claims team handles assignments and inspections.
Yes. Universal policies in Florida and other hurricane-prone states typically include a percentage-based hurricane deductible.
Convert your Universal Insurance PDF to ESX
Upload a PDF estimate from Universal Insurance. CapOut processes it and sends it directly to your Xactimate account.
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