United Insurance Management - UPC
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Current official website content indicates United Property & Casualty Insurance Company (UPCIC) was ordered into receivership for liquidation on February 27, 2023, so broad active homeowner underwriting/appetite guidance is not presently verified on the public UPC site. The only clearly current, official underwriting-related submission page located is the Preferred Builder Application for new construction home business. That page positions UPC’s preferred opportunity as new construction homeowners through its Preferred Builder Program, with competitive rates, easy approval, and high close ratio messaging. Geographic note: the builder program is explicitly stated to be offered only in Florida. Submission requirements for builder participation include whether the submitter is an agent or builder; agency and builder/group details; contact and address information; years building homes; whether EIFS/synthetic stucco is used; whether the builder has had Chinese drywall, building material, or workmanship claims in the last 5 years; whether stricter-than-code tolerances are required; whether a warranty company backs the homes; upload of the builder’s program; any affiliation with a personal lines insurance agency; estimated current-year sales; states currently building in; and builder association memberships. Operationally, this suggests UPC/its remaining agent-facing process prefers vetted Florida new-construction builder relationships and screens for construction defect, material defect, EIFS, warranty, and scale/experience factors before onboarding. Producer notes: the form is open to both builders and UPC-appointed agents, and agents are encouraged to use it to support existing or new builder relationships. Additional official agent-center evidence shows a loss run request workflow still exists for appointed states including FL, GA, LA, MA, NY, NC, SC, and TX, requires agency code, and if the requester is not the agent of record a signed policyholder letter must be uploaded; stated turnaround is 2 to 3 business days. No current official public appetite guide, broad underwriting manual, or active general submit-business page for standard home risks was verified beyond this limited builder-program guidance, and older PDF underwriting materials were not treated as current because the website now prominently states UPCIC is in liquidation.