Our Products & Services
Just a few inches of water from a flood can cause tens of thousands of dollars in damage. From 2008 to 2012, the average residential flood claim amounted to more than $38,000. Flood insurance is the best way to protect yourself from devastating financial loss.
Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property's flood risk.
All policy forms provide coverage for buildings and contents. However, you might want to discuss insuring personal property with your agent, since contents coverage is optional. Typically, there's a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.
Living on Cape Cod can be limiting in the choices regarding home insurance carriers. Most Cape Codders are familiar with the Massachusetts Property Insurance Underwriters Association or the "not so Fair Plan". A great alternative now available on Cape Cod is Universal Property & Casualty Insurance Company which can be accessed through your local agent. UPCIC is proven to have comparative deductibles and premiums. Contact a local Cape Cod agent to provide you with a free quote to see if UPCIC can save you money on premium and/or provide better coverage for your home.
UPCIC Financial Strength
Has aligned itself with some of the best and most respected service providers in the industry. This functional structure affords UPCIC the opportunity to take advantage of a unique combination of financial strength, underwriting skills, analytical expertise and administrative capability.
Universal Property & Casualty Insurance Company is dedicated to providing unsurpassed service to its agents and our customers. When you call Universal Property & Casualty, you will not talk to a voice mail system. A well-trained representative is ready to help.
The mission of Universal Property & Casualty Insurance Company and the Red Elephant is to deliver exceptional
service and value to you, our customer. We offer smart solutions, financial security and peace of mind. The wisdom
of the Red Elephant guarantees that we never forget our most important job,serving our customers. The Red Elephant and Universal Property & Casualty are always ready to stand by your side.
Underwriters are always available. Universal Property & Casualty is committed to processing all claims quickly and efficiently with every effort made to furnish the client with immediate service.
We pride ourselves on personal attention, servicing each customer's claim as if s(he) were a member of our own family. Our goal is to give our customers the quickest turnaround time possible on all claims.
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:
BY ANGELA GREILING KEANE, BLOOMBERG
May 6, 2014
(Bloomberg) -- More than half the U.S. population lives in coastal areas that are “increasingly vulnerable” to the effects of climate change, which will ripple throughout the U.S. economy, a White House advisory group’s report concluded.
The report released today enumerates the impact across the U.S., including a 71% increase in heavy rain and snow in the Northeast during the past half-century and an increased risk from hurricanes linked to higher sea levels.
Earthquakes, floods, and other disasters can seriously disrupt normal life. Services may not be available, transportation may be cut off and roads may be blocked. In some cases, you may be forced to evacuate. Be ready to respond to any situation by assembling and maintaining a Disaster Supplies Kit.
Click 'Read More' below for the Disaster Supplies Plan.