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United Property & Casualty Insurance Company Insolvency FAQs

What happened to United Property & Casualty Insurance Company (UPC)?
UPC agreed to an order of liquidation from the Florida Office of Insurance Regulation. As part of the liquidation order, ALL remaining active UPC policies will be cancelled effective 12:01 a.m. on March 29, 2023.

Where can I get more information?
The Florida Department of Financial Services has been appointed Receiver of the liquidation. You may email the receiver at or by calling (800) 882-3054.

You can also visit the website for the Rehabilitation & Liquidation Division of the Florida Division of Financial Services at UNITED PROPERTY AND CASUALTY INSURANCE COMPANY (

How do I report a new property and casualty claim?
Complete the ACORD - Property Loss Notice form

Submit your form:
Fax Submission: Fax: 850-413-3997

Online Submission:
Electronic Submission Instructions - New Claims

Paper Submission: Mail your submission to the below address. It is recommended that you use certified mail with return receipt to prove delivery of the information.

Florida Department of Financial Services, Receiver
325 John Knox Road, Atrium Building, Suite 101
Tallahassee, FL 32303

For flood claims, please call: 1-800-759-8656.

Who do I contact regarding existing UPC Claims?
Contact the South Carolina Guaranty Association at 803-799-1560 and follow the prompts to reach a claims examiner.

Will insureds get their unearned premium back?
Yes – the South Carolina Guaranty Association will refund unearned premium back to insureds less a $100 statutory retention as required by state law.

Does the insured have to make a claim for unearned premium?
No – insureds/agents do NOT need to file a claim for unearned premium. The Receiver will provide the South Carolina Guaranty Association with policy cancellation status and return premium information 60 – 90 days after the date of the Order of Liquidation. Refund checks will be automatically processed to insureds by the SC Guaranty Association.

When will insureds receive refund checks?
Unsure – the timetable for processing refunds depends on several factors – all of which have very fluid timelines. As soon as the South Carolina Guaranty Association receives the data, they will start processing the checks.

Will agents owe unearned commission back to UPC?
Yes – agents will receive notices from the Florida Department of Financial Services with information and instructions on how to return commission from unearned premiums.

What is the status of current UPC policies?
ALL UPC policies will cancel effective March 29, 2023, at 12:01 am unless they are cancelled earlier by the insured/agent.

Should I wait until March 29, 2023 to replace a UPC policy?
No – agents should work as quickly as possible to replace all current UPC policies. There is no advantage to waiting – and several risks.