Privacy Statement & Terms of Use

Privacy Statement

The affiliates of Universal Insurance Holdings, Inc., strive to provide you with high quality insurance products and efficient customer service. In the course of doing so, we obtain personal information about you and your family. We consider this information confidential and have procedures in place to protect the information against unlawful use and disclosure. We will disclose your information only as necessary to process your requests for insurance, to provide services to you as a policyholder or claimant, and as otherwise allowed or required by law.

The following statements describe how we obtain and use information about you, and how we protect that information.This statement applies to our affiliates identified below, and applies not only to current customers but also to our former customers. You do not need to take any action in response to this notice.

Personal Information We Collect

In connection with providing products and services to you, we obtain information from several sources. Most of the information we obtain comes directly from you, such as through the insurance applications you submit and other interactions you have with us. From these interactions with you, we learn information such as your name, address, telephone number, existing coverages, desired coverages, and similar information.

We also learn information about you from your transactions with us. This may include information such as your current or past coverages and related information, your premium levels, your payment history, your claims history, and other information. Your insurance agent also may provide information to us, such as requested additions or deletions of coverage and updated contact information for you. Finally, we may receive information from outside parties that has a bearing on your eligibility for products or services in which you are or might be interested. These parties may include consumer reporting agencies, claims reporting services, motor vehicle records bureaus, or other sources. Information obtained from these sources may include your prior claims history, information about any prior civil or criminal actions in which you have been involved, financial information, and other information about your background.

If you visit an Internet site that we maintain, we might request certain information about you that will enable us to identify you as a user, including your name, a user name, a password, and password reminders. We also might obtain information about your web browser, operating system and similar information to improve the performance and operation of our site.

Our Use of Your Personal Information

We do not share the information we collect with other parties, except our affiliates, nonaffiliated parties performing contractual services for us, and as otherwise required or permitted by law. Universal Insurance Holdings, Inc. is a holding company with various subsidiaries providing various products and services relating to insurance and other financial services. The companies also may offer other products and services as the Universal Insurance Holdings family grows. In order to provide you with access to these products and services, and to improve our service to you, we may share information among members of our corporate family. The information we share among affiliates is limited to information about your transactions and experiences with us and to information that we otherwise are permitted to disclose by law.

When we provide information to parties performing contractual services for us (such as marketing and research), we contractually require those parties to preserve the confidentiality of your personal information. As indicated above, we also might share information that we obtain about you with nonaffiliated parties as allowed or required by law. This means that we will share information with parties as necessary to effect, administer, or enforce transactions that you request. In other words, we might provide your information, for example, to a company that prints and mails our insurance policies, or to a company that adjusts claims you report to us. Finally, we are permitted or required to share information with certain other parties listed in federal law and state rules, such as insurance advisory organizations, our attorneys and accountants, consumer reporting agencies, and civil and regulatory authorities.

How We Protect Your Personal Information

We maintain physical, electronic, and procedural safeguards to ensure the confidentiality of the personal information we obtain about you. We restrict access to your personal information to those employees who need to know that information to provide services to you.

This summary of our practices is furnished for your information. No action is required by you upon receipt of this notice.

This notice describes the practices and procedures of Universal Insurance Holdings, Inc. and the subsidiaries listed below regarding products or services that you obtain from any of them. If you obtain financial products or services from other members of our corporate family, you will receive a separate notice identifying their practices and procedures.

  • Universal Property & Casualty Insurance Company
  • American Platinum Property and Casualty Insurance Company
  • Evolution Risk Advisors, Inc.
  • Atlas Premium Finance Company
  • Alder Adjusting Corporation
  • Wicklow Inspection Corporation
  • Blue Atlantic Reinsurance Corporation
  • Universal Florida Insurance Agency, Inc.
  • Coastal Homeowners Insurance Specialists, Inc.

Terms of Use

The following Terms and Conditions govern your use of this website. By using this
website in any way, you acknowledge that you have read and understood these Terms and
Conditions, and you agree to be bound by these Terms and Conditions. You also agree to
comply with all applicable laws and regulations, including United States and foreign patent,
trademark, service mark and copyright laws. If you do not agree to these Terms and Conditions,
please do not use this website.

Proprietary Rights

Except as otherwise indicated in this website, all right, title and interest in the works of
authorship and other content contained in this website, including but not limited to all design,
text, and images, are owned, licensed, or controlled by Universal Insurance Holdings, Inc. and its
affiliates. All such content is protected by copyright, trademark and other forms of proprietary
rights. You agree that you will not use any such content in any way that would be inconsistent
with or in violation of such copyrights, trademarks and other proprietary rights.

Using the Content

Except as otherwise indicated with respect to a particular file or document provided on
this website, or with respect to any portion or section of this website, you may view, print and
make copies of the content and material presented on this website only on your internal
computer system and as part of your use of this website for internal purposes. You may not
otherwise copy, store, transmit, perform, broadcast, publish, reproduce, create a derivative work
from, display, distribute, sell, license, rent, lease or otherwise transfer (either in printed or
electronic format) to any third person outside of your family, company or organization any of the
content or materials presented in this website, whether for direct commercial or monetary gain or
otherwise, without the prior written permission of Universal Insurance Holdings, Inc., except to
the extent that such use constitutes “fair use” under the Copyright Act of 1976 (17 U.S.C. § 107).

System Requirements and Responsibility

To use this website, you must have a personal computer or other communication device
equipped with a modem or other Internet access device. You are responsible for the selection,
installation, maintenance, and operation of your computer, devices and software. Neither
Universal Insurance Holdings, Inc. nor its affiliates is responsible for any errors, failures, or
malfunctions of your computer or software. You are responsible for ensuring that your computer
and software are compatible with this website. Universal Insurance Holdings, Inc. reserves the
right to change the system requirements for using this website.

Using the Website

You agree that you will not use this website in any manner that could damage or
overburden any equipment or software of Universal Insurance Holdings, Inc. or its affiliates.
You may not use any means of systematic retrieval of data or other content from this website.
You may not obtain, or attempt to obtain, access to any content, material or information on this
website that is protected by passwords, personal identification numbers or other required login
identification through any means not expressly authorized by Universal Insurance Holdings, Inc.
or its affiliates.

Disclaimer and Limitation of Liability

ALL OF THE CONTENT AND MATERIAL ON THIS WEBSITE IS PROVIDED TO
YOU ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER
EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WHICH ARE
EXPRESSLY DISCLAIMED.

NEITHER UNIVERSAL INSURANCE HOLDINGS, INC. NOR ANY OF ITS
AFFILIATES NOR ANY OF ITS OR THEIR OFFICERS, DIRECTORS, EMPLOYEES,
AGENTS, CONSULTANTS, LICENSORS OR THIRD-PARTY SERVICE PROVIDERS
WILL BE LIABLE OR RESPONSIBLE TO YOU OR ANYONE ELSE FOR ANY LOSSES,
INJURIES, DAMAGES, COSTS, EXPENSES OR CLAIMS CAUSED BY, ARISING OUT OF
OR RELATING TO YOUR USE OF OR INABILITY TO USE THIS WEBSITE, INCLUDING
BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND
CONSEQUENTIAL DAMAGES, EVEN IF UNIVERSAL INSURANCE HOLDINGS, INC.
AND ITS AFFILIATES ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES.

Neither Universal Insurance Holdings, Inc. nor any of its affiliates nor any of its and their
officers, directors, employees, agents, consultants, licensors and third-party service providers
assume any responsibility or have any liability for the consequences of any intentional or
unintentional error, omission, inaccuracy, incompleteness or untimeliness in or with respect to
any of the content, information and material on this website.

Neither Universal Insurance Holdings, Inc. nor any of its affiliates nor any of its or their
officers, directors, employees, agents, consultants, licensors or third-party service providers
makes or has made to you through this website any recommendation regarding any securities or
other investment vehicles that may be identified, referred to or described on this website.

Some U.S. states and foreign countries may provide rights in addition to those above or
may not allow the exclusion or limitation of implied warranties or liability for incidental or
consequential damages. Therefore, the above limitations may not apply to you or there may be
state provisions that supersede the above. Any provision of this Disclaimer and Limitation of
Liability that is inapplicable or declared invalid will be deemed severable from, and its
inapplicability or invalidity will not affect the applicability, validity or enforceability of, the
remainder of this Disclaimer and Limitation of Liability.

Leaving the Website

When you leave this website, whether via a link contained on this website or through the
use of any navigational tool, the content, material and information you view after you leave this
website may not be provided by Universal Insurance Holdings, Inc. or its affiliates. Except for
this website and the websites of its affiliates, Universal Insurance Holdings, Inc. is not
responsible for, nor has it developed or reviewed, the content on any other websites. Universal
Insurance Holdings, Inc. and its affiliates make no guarantees, representations or warranties as
to, and will have no liability or responsibility for, any content or material provided by any third
party on or through this website, including, without limitation, the accuracy, subject matter,
quality or timeliness of any such content or material. Universal Insurance Holdings, Inc. and its
affiliates disclaim any responsibility for the information available on any third party website that
may be reached by links from this website.

Changes to Terms and Conditions

Universal Insurance Holdings, Inc. reserves the right to revise these Terms and
Conditions at any time without prior notice to you. Each time you use this website, you will be
bound by these Terms and Conditions as they appear on this website at the time you are using
the website. You should check these Terms and Conditions periodically as you use this website
to make certain you are aware of the most current Terms and Conditions.

Violations of Terms and Conditions

Universal Insurance Holdings, Inc. and its affiliates reserve the right to seek all remedies
available at law and in equity for any violations of these Terms and Conditions, including the
right to block access from particular Internet addresses to this website.

Governing Law

These Terms and Conditions and your use of this website are governed by and will be
construed in accordance with the laws of the State of Florida without giving effect to any
principles of conflicts of laws.