Gulf Coast Kid's House is a private, not-for-profit which provides services to victims of child abuse in Escambia County. Gulf Coast Kid's House is a children's advocacy center. We combine all of the professionals and resources needed for the intervention, investigation
,and prosecution of child abuse cases under one child-friendly facility.
 

Owning your own home is a big part of the American Dream.  It is often the largest investment that many of us will ever make.  Insuring your investment with homeowner's insurance is an important decision to make. Recently, however, the American Dream has all too often turned into a nightmare, especially for homeowners insured through Universal Property and Casualty Insurance Company. The homeowners thought they were protected, but after filing claims, were informed by the insurance company that their policies were rescinded. Rescinding a policy is a legal term for taking back the insurance as if it never existed.

While insurance companies such as Universal are eager to accept premiums, they are often reluctant to pay benefits when a claim is filed.  A deceptive business practice known as "post-claim underwriting" is increasing and can result in individuals losing or being denied the benefits they thought they had, and for which they have rightly paid. This can have a devastating impact on a homeowner who has sustained a serious loss caused by a fire, tornado, or sink hole.

When an individual applies for a homeowner's insurance policy, an insurance company will undergo a process that is known as underwriting.  Through underwriting, an insurance company will attempt to determine what types of risks an individual poses.  Insurance companies will do this by having an insurance agent ask the homeowner vague and ambiguous questions about their past.  The purpose of underwriting is to help the insurance company determine whether to offer a policy to an applicant before they issue the policy.
 
Post-claim underwriting is the practice where an insurance company checks the insurance application after a claim has been filed.  The insurance industry has argued to the courts they should be able to deny a claim even if there was an innocent error made in the application.  While insurance companies claim that the purpose of this practice is to prevent fraud, the result is that many times innocent victims are denied the benefits they have paid for and are justly owed.
 
If you or a loved one has been unfairly denied coverage or had your policy rescinded after filing a claim with Universal Property and Casualty Company, please contact the insurance law experts at Taylor, Warren & Weidner, P.A., and we will conduct an initial consultation at no cost to you.  We have the expertise to help you receive the benefits you are owed.