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Universal Property and Casualty  ·  Major Florida carrier

Roof Claims With
Universal Property and Casualty
Made Simple

Proud American Roofing works directly with Universal Property and Casualty to document your storm damage, meet with your adjuster, and get your Florida roof repaired or replaced as quickly as possible.

Schedule a Free Inspection (813)-500-2004
Universal Property and Casualty Claims Supported
Free Damage Inspections
We Meet With Your Adjuster
FL Licensed — CCC048184
Working with Universal Property and Casualty

We Know How Universal Property and Casualty Claims Work

Universal Property and Casualty Insurance is one of Florida's largest private homeowner insurers and a carrier Proud American Roofing works with regularly across all of our Florida service areas. Universal Property was created to serve Florida homeowners in the private market and holds policies throughout the Tampa Bay region, Central Florida, and beyond.

Universal Property policies have specific claim procedures and documentation standards that our team is well-versed in. We know what their adjusters look for during an inspection and how to present damage documentation to support a complete and fair settlement for our customers.

If you are a Universal Property and Casualty policyholder who has experienced storm damage, contact Proud American Roofing for a free inspection before filing your claim. Proper documentation from the start makes a meaningful difference in the outcome of your settlement.

Proud American Roofing working on a Florida roof
The process

How We Handle Your Universal Property and Casualty Claim

1

Free roof inspection and damage documentation

We inspect your roof and document all storm-related damage with photos and a written report. This is the foundation of a successful Universal Property and Casualty claim and ensures nothing is missed before your adjuster visit.

2

You file your Universal Property and Casualty claim

You notify Universal Property and Casualty to open the claim. We provide our written damage assessment to help you accurately report the damage and get the process started on the right footing.

3

We meet the Universal Property and Casualty adjuster

When Universal Property and Casualty sends an adjuster to inspect your home, we are there with you. We walk the adjuster through our damage findings and advocate to ensure the full scope is documented and included in your settlement.

4

Claim approved and project scheduled

Once Universal Property and Casualty approves your claim, we schedule your repair or replacement, pull all required Florida Building Code permits, and complete the project from start to finish.

5

Final inspection and project closed

Your completed roof passes county inspection and we do a final walkthrough with you before closing out the project. All permits are signed off and your Universal Property and Casualty claim is fully settled.

What we provide

Everything Your Universal Property and Casualty Claim Needs

Written Damage Report

A detailed written assessment of all storm damage with photos and measurements. Provided before your Universal Property and Casualty adjuster visit so nothing is overlooked.

Adjuster Representation

We attend your Universal Property and Casualty adjuster visit and ensure every item of damage is identified and included in your scope of work and settlement.

Estimate Review

We compare the Universal Property and Casualty adjuster estimate against our own and flag any missing items or discrepancies before you accept a settlement.

Emergency Tarping

We deploy emergency tarping immediately after a storm to protect your home from further water damage while your Universal Property and Casualty claim is being processed.

Deductible Financing

If your Universal Property and Casualty deductible is a financial barrier, we offer financing options so your project can move forward without delays.

Permitted Replacement

Every roof we replace is fully permitted and inspected to Florida Building Code so your Universal Property and Casualty claim closes out cleanly.

Florida law protects you: It is illegal for a roofing contractor to waive or absorb your Universal Property and Casualty deductible. Proud American Roofing will never offer to discount work covered under an active insurance claim. Any contractor making that offer is violating Florida law.

Common questions

Roof Insurance Claim FAQs

Most Universal Property and Casualty homeowner policies in Florida cover roof replacement when damage is caused by a covered peril such as a hurricane, windstorm, hail, or lightning. Coverage terms vary by policy and some may have separate wind or hurricane deductibles. Reviewing your specific policy before filing is the best first step. Proud American Roofing can walk you through the documentation process during a free inspection.
Start by scheduling a free roof inspection with Proud American Roofing so we can document all damage before you file. Then contact Universal Property and Casualty directly to open the claim. We will provide you with our written damage assessment to support your filing. Once your claim is open, Universal Property and Casualty will assign an adjuster and we will coordinate to be present at that inspection on your behalf.
If your Universal Property and Casualty claim is denied, review the denial letter carefully to understand the stated reason. You have the right to request a re-inspection with additional documentation from Proud American Roofing. You can also file a formal dispute with Universal Property and Casualty or hire a licensed public adjuster to advocate for your claim. In complex cases, a Florida property insurance attorney may also be a helpful resource.
Florida law requires insurance companies to acknowledge a claim within 14 days and make a coverage decision within 90 days. In practice, most straightforward claims take four to eight weeks from filing to payment. High-volume periods after major storms can extend timelines. Proud American Roofing can help keep your claim moving by providing prompt documentation and following up with Universal Property and Casualty on your behalf throughout the process.
Yes. If your Universal Property and Casualty deductible is a financial barrier to moving forward, Proud American Roofing offers financing options that can cover your out-of-pocket costs. Your deductible must always be paid as required by your policy. Florida law prohibits roofing contractors from waiving or absorbing deductibles, and any contractor who offers to do so is violating state law. Contact us at (813)-500-2004 to learn about available financing options.
Other carriers

We Work With All Florida Carriers

Proud American Roofing accepts claims from all major homeowner insurance carriers in Florida. Select another carrier below to learn about that specific claims process.

Citizens Property State Farm Allstate Universal Property Heritage Insurance

Have a Universal Property and Casualty Policy?
Call Us First.

Free inspection. Written report. We handle the adjuster meeting.

Schedule a Free Inspection (813)-500-2004