General patterns reported on this type of claim, not specific findings about United Property & Casualty (UPC). Every claim turns on its own policy and facts.
United Property & Casualty was ordered into liquidation on Feb. 27, 2023, with the Florida Department of Financial Services as Receiver; policies canceled March 29, 2023. Open and new Florida claims moved to FIGA, the Florida Insurance Guaranty Association, which pays covered claims subject to statutory caps. The bar date for filing claims in the estate was Feb. 27, 2024; late or new matters go through the Receiver's electronic submission process. FIGA claim status: 800-988-1450.
Often, yes. FIGA stands in UPC's shoes on covered claims, and FIGA determinations can be disputed with documentation like any carrier's: the archive's UPC entry shows FIGA's own review finding roughly six times UPC's scoped damage on the same roof. Deadlines are unforgiving after an insolvency, so date every document and get advice quickly; the Receiver's records and your complete claim file are the starting point.
Their official links, how to file a complaint with the state, and where to take the fight if a claim was denied or underpaid.
Official United Property & Casualty (UPC) pages, for reference. Confirm phone numbers and claim steps on the carrier’s own site.
Not legal advice, and not affiliated with or endorsed by United Property & Casualty Insurance Company. Facts compiled from public records (NAIC, state regulators, the carrier) and current as of July 2026; company contacts and figures change, confirm against the carrier’s own site.
Upload the denial letter or estimate and your declarations page. A property-insurance attorney reviews it and tells you where you stand, free, no obligation.
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