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UNITED PROPERTY & CASUALTY INSURANCE COMPANY

Company Information

Company Demographic Information
Name of Company:
UNITED PROPERTY & CASUALTY INSURANCE COMPANY
Case Number:2023 CA 000320
Guaranty Association:
Florida Insurance Guaranty Association(FIGA), Connecticut, Georgia, Hawaii, Louisiana, Massachusetts, New Jersey, New York, North Carolina, Rhode Island, South Carolina, Texas
Type of Coverage:
Property and Casualty
State of Domicile:
Florida
Status of Receivership:
Liquidation
Important Receivership Dates
Date of Rehabilitation:
N/A
Date of Liquidation:
February 27, 2023
Policy Cancellation Date:March 29, 2023
Claims Filing Deadline:
February 27, 2024
Objection Deadline:
See Below

Background Information
​On February 27, 2023, United Property & Casualty Insurance Company (“UPCIC”).  UPCIC was ordered into receivership for purposes of liquidation by the Second Judicial Circuit Court in Leon County, Florida. 

UPCIC was a property and casualty insurance company located in St. Petersburg, Florida.  The company was licensed in Florida in 1999, and authorized to write homeowners multiple peril, earthquake, boiler and machinery, inland marine, allied lines, fire, burglary and theft, and other liability in Florida, Georgia, Louisiana, North Carolina, New York, South Carolina and Texas.  The company had approximately 146,260 in-force policies at the time of receivership.


Proof of Claim Information

Proof of Claim Forms
​On June 9, 2023, the Department mailed 20,000 Proof of Claim forms (POCs) via the U.S. Postal Service.  

​On June 16, 2023, the Department mailed an additional 4,267 POCs via the U.S. Postal Service.  

On June 21, 2023, an additional 1,725 POCs were mailed by the Department, via the U.S. Postal Service.

The deadline for filing a POC is February 27, 2024.


Frequently Asked Questions

Is my insurance policy still in force?

​Under the Receivership Order, all insurance policies, except for flood policies, issued by United Property & Casualty Insurance Company ("UPCIC") in effect at the time of the issuance of the Order cancelled effective 12:01 a.m. on March 29, 2023. Prior to the liquidation, UPCIC and Family Security Insurance Company, Inc. were merged into one entity. UPCIC is the surviving entity after the merger. Policies with normal expiration dates prior to March 29, 2023, or which are terminated by the insured, or cancelled for non-payment of premium, shall stand cancelled as of the earlier date.  

Should I get an insurance policy with another company?
​Yes.  Your agent is best able to advise you as to your insurance options.  To assist your agent and you in this process, we have notified your agent directly of the cancellation of your policy. 

How can I request a Proof of Coverage?

I have flood insurance with United Property & Casualty. What is the status of my insurance policy?
​You may contact Wright National Flood Insurance Services at 1-800-725-9472 with any policy or claims related inquiries.

I received a “Notice to Policyholders”. Why did I receive this Notice?

​You received a Notice because your name appears as a current policyholder on the records of United Property & Casualty.  The Notice was sent to all known current policyholders informing them of the receivership.  See the Notices section of the Related Documents displayed in this website.

I received a “Notice to Agent or Broker”. Why did I receive this Notice?

​You received a Notice because the company records indicated that you were an agent of United Property & Casualty.  The Notice was sent to all known agents of record informing them of the receivership.  See the Notices section of the Related Documents displayed in this website.

How will I get my unearned premium refund?

Unearned premiums are covered by the Guaranty Associations and your state’s Guaranty Association has been activated to help pay unearned premium refunds for United Property & Casualty policyholders.   The Department is currently gathering premium data to forward the information to the appropriate state’s insurance guaranty association.  As a result, there may be a slight delay in premium processing during this transitional period.  The Department’s website, www.myfloridacfo.com/division/receiver, will be updated once the transition is completed.

Do I need to submit a Proof of Claim form to the Department in order to have my Return Premium claim processed?

​No.  The Department will not require Proof of Claim forms from policyholders who have a potential return premium claim in the estate of United Property & Casualty.  Potential claims include the return premium claims of policyholder claimants who had a policy in force on the date of liquidation and all other return premium claims who the department calculates are due return premium.  Policyholders do not need to do anything to file a timely claim for return premium or to have their claim accepted by the Department.

What is a Guaranty Association?

​A Guaranty Association ("GA") is a nonprofit corporation statutorily created to provide a mechanism for the payment of policy related loss claims and unearned premium when an insurance company is liquidated.   

If premium was paid directly from my mortgage company to United Property & Casualty, will the refund be returned to the mortgage company?
​Premium refunds will be sent directly to policyholders.

I have recently changed my name or mailing address and need to update the company’s records to make sure I receive any information mailed to me. What should I do?
​It is your responsibility to notify the Department, in writing, if there is a change in your name or mailing address. You can download the appropriate form and instructions from the Receiver's website, www.myfloridacfo.com/division/receiver. Click on the link titled “File a Name and/or Address Change" or click here to go directly to the information.

When you are corresponding with the Department, be sure to reference the Company Name and your policy number and/or claim number which will allow the Receiver to associate your request with the correct Receivership.

I filed a lawsuit against United Property & Casualty prior to their entry into liquidation. Why can't the lawsuit progress?

​Pursuant to the Receivership Order and to Section 631.041(1), Florida Statutes, there is an automatic stay in place prohibiting judicial and administrative proceedings against the company.

Who do I call for non-claims related questions?

How can I find out more information regarding the Liquidation of United Property & Casualty?

​The most up to date information is posted on the website.  The Department will continue to post information to its website as more information becomes available.

How do I contact the Florida Department of Financial Services which is the court-appointed Receiver of United Property & Casualty?
​​You may contact the Department at one of the following:

Florida Department of Financial Services,

Receiver of United Property & Casualty Insurance Company

325 John Knox Road, Atrium Building, Suite 101

Tallahassee, FL 32303


Am I allowed to submit a Civil Remedy Notice pursuant to the provisions of FS 624.155 that names United Property & Casualty after a petition for receivership has been filed?

​No. Pursuant to the receivership order and to Section 631.041(1), Florida Statutes, there is an automatic stay in place prohibiting the commencement or continuation of judicial, administrative or other action against the company.

16. What if I have questions that have not been addressed, or a contact number for my state has not been provided?

​Please complete the “Contact Us" form on our website. Include the name, policy number, claim number, and date of loss. 


Claims Information

How do I check the status of an existing claim?
Contact the guaranty association for the policy state involved for Non-Flood Claims.   For Flood Claim Inquiries, contact:  1-800-725-9472.



How do I report a new claim?

​Complete the following form that matches the type of loss you are reporting:

Flood claims:  contact: 1-800-725-9472

How do I file a claim against the estate of United Property & Casualty?
​Proof of Claim forms were mailed to all known claimants in the estate on June 9, 2023, June 16, 2023 and June 21, 2023.  A Proof of Claim form must be postmarked or submitted electronically by Claims Filing Deadline of February 27, 2024.

When is the deadline for filing a claim in the receivership?
​The deadline for filing claims in the United Property & Casualty receivership is February 27, 2024.

How do I obtain a Proof of Claim form and filing instruction?
The Department mailed Proof of Claim forms to insureds and/or claimants on June 9, 2023, June 16, 2023 and June 21, 2023.  If you haven't received a Proof of Claim form, please use the "Contact Us" form available from the Receiver's website at  www.myfloridacfo.com/division/receiver/​ or by calling 1-850-413-3081 (toll free at 1-800-882-3054). In the Contact Us form, select: Issue type: "Mail Outs"; Request Type: "Proof of Claim Form Request"  The deadline for filing a POC is February 27, 2024​

Is there a Claims Bar Date?

​A Claims Bar Date has not been established. ​ 

Can I file a Proof of Claim form in the United Property & Casualty estate after the filing deadline? Will it be considered late-filed?
​Yes, you may file a Proof of Claim form. However, any form postmarked after February 27, 2024 will be processed as late-filed.

If I have already filed a claim with United Property & Casualty, will the Receivership affect the status of my claim?
​No. Guaranty Associations have been activated to pay covered outstanding claims for United Property & Casualty policies. The Department is currently gathering claim files and claim data to forward the information to the appropriate state's insurance guaranty association.  As a result, there may be a slight delay in claim processing during this transitional period.  Please continue to contact United Property & Casualty using the contact information in the separate question below to check the status of an existing claim and/or to file a new claim.  The Department's website, www.myfloridacfo.com/division/receiver, will be updated once the transition is completed.  

How and when do I submit my invoices for claim related expenses?

​If you have unpaid invoices for services related to specific claim files as described above, please submit them as supporting documentation with your Proof of Claim form.  Submission instructions will be provided on the Proof of Claim form.

Do I need to submit a Proof of Claim form to the Department in order to have the guaranty association make payments on my pending United Property & Casualty claim?

​No. The guaranty associations have access to the company claim files and will review your claim to determine if it is a covered claim on which payments may be due. If you are not certain that your claim is covered by the guaranty associations and/or you wish to make a claim directly against the United Property & Casualty receivership estate, you must submit a Department's Proof of Claim form to the Department.

Do I need to submit a Proof of Claim form to the Department in order to have my commissions (Agents) or General Creditor claims paid?

​Yes.  Agent's commission claims and general creditor claims are not covered by a guaranty association, but may be filed as claims in the receivership estate. There may not be sufficient assets to pay this priority of claims; however, you must file a Proof of Claim form to have your claim considered.

Do I need to submit a Proof of Claim form to the Department in order to have my invoices for claim related expenses paid?

Yes.  If you have unpaid invoices for services related to specific claim files (IME, copy charges, legal defense fees, damage estimation, appraisers, adjusting etc.) your claim is considered a General Creditor, Class 6 claim.  A guaranty association does not usually cover these. There may be insufficient assets to pay these types of claims, however, you must file a Department's Proof of Claim form to have your claims considered. These types of claims are most often considered Master Claims as they involve more than one invoice.

I am owed money for services provided before United Property & Casualty was ordered into liquidation. What is the procedure for payment of these claims?
​Claims which were not paid will be considered as claims against the estate and processed by the Receiver. 

Please complete a "Contact Us Form" and the Receiver will mail you a Proof-of-Claim form.

Why did I receive a Proof of Claim form?
​If you have received a Proof of Claim form, you have been identified as a potential claimant in the estate of United Property & Casualty.  Receiving a Proof of Claim form does not mean that you do have a claim in the United Property & Casualty estate, only that you were listed in the company records and could potentially have a claim.  Potential claimants can include loss claimants, policyholders, general creditors, agents, claims vendors etc.

How are claims paid in a receivership?
​The payment of claims in a receivership are paid in priority order as defined by Florida Statutes, Chapter 631. The only assets available for distribution are the assets of the company.

When will my claim be paid and how much will I receive?
​The amount of any potential payment is unknown until after the amount of all liabilities have been established and all reasonable efforts to recover and liquidate assets have been exhausted. Please be advised that it may take several years before a distribution of assets, if any, is made in this receivership, due to collection efforts and litigation.

Who do I contact for additional claims related questions?
​If you have additional claims related questions regarding the receivership, please contact the Department at Consumer.Services@myfloridacfo.com or by calling (850) 413-3081 or toll free at 1-800-882-3054.

I requested Mediation through the Department of Financial Services, but the Mediation Conference hasn’t occurred yet. Will Mediation still occur?

No. Pursuant to FS 631.67, all proceedings in which an insolvent insurer is a party to shall be stayed for 6 months. All of UPCIC claim files will be transferred to the Florida Insurance Guaranty Association (FIGA).

If FIGA has made a claim determination and you are unable to amicably resolve your claim with FIGA, you may re-file for Mediation with FIGA.​


Document Requests

How do I request a loss run, declaration page, experience letter or copy of my policy?

How do I request a Proof of Coverage?

How do I request a copy of a United Property & Casualty claim file?
If you are the claimant, policyholder, or a claimant/policyholder's authorized representative, please complete the "Contact Us Form" and include your name, policy number, claim number, and date of loss, for your claim file and the Receiver will provide a copy.  If your request involves a Flood Claim, contact:  1-800-725-9472

If you are not the claimant, policyholder, or the claimant/policyholder's authorized representative, you will need to serve a subpoena for the claim file on the Department that includes the claimant/policyholder's name, the policy number, the claim number, and the date of loss:

  • By process server or certified mail at the following address:

Florida Department of Financial Services,

Receiver of United Property & Casualty Insurance Company

325 John Knox Road, Atrium Building, Suite 101

Tallahassee, FL 32303

How does a third-party request policy documents or claim files?
​If you represent or are a third party [not the policyholder, claimant, an authorized representative, or a guaranty association], and you need policy documents you will need to serve the Department as Receiver with a subpoena for the documents.  You may serve the subpoena either via a process server or by certified mail to the following address:

The Florida Department of Financial Services 
Division of Rehabilitation and Liquidation
325 John Knox Road, Suite 101
The Atrium

Tallahassee, FL 32303