This disclosure provides the Terms and Conditions of Universal Insurance Holdings, Inc., its affiliates and subsidiaries (Universal Property & Casualty Insurance Company, American Platinum Property and Casualty Insurance Company, and Evolution Risk Advisors, Inc.) for the election of Electronic Mail Delivery. These companies will be referred to as “the Company” for the purposes of this disclosure.

By selecting Electronic Mail Delivery, you agree to the Terms and Conditions below.

Electronic Mail Delivery Terms and Conditions

Please read the following Terms and Conditions carefully. By electing to enroll in Electronic Mail Delivery, you agree to be bound by these Terms and Conditions. If you do not agree with any of these Terms and Conditions, you may not enroll in Electronic Mail Delivery.

We reserve the right to modify these Terms and Conditions at any time. Continued participation in Electronic Mail Delivery will constitute your acceptance of any revisions to the Terms and Conditions. Please check the Electronic Mail Delivery Terms and Conditions under ‘My Account’ page on our website regularly.

The words "we," "us," and "our" mean the Company. The words "you" and "your" mean the individual(s) who desires to transact business electronically and those who would otherwise sign documents relating to your policy.

What is this Service?

Electronic Mail Delivery provides you, the policyholder, with an e-mail notification service that will notify you that your policy documents are available to be viewed electronically. You will receive an e-mail when your insurance policy is updated, billing notifications are issued, and/or when urgent policy action is required. Unless explicitly stated otherwise, any new features that augment or enhance the current service will be subject to the Electronic Mail Delivery Terms and Conditions.

Is there a fee to sign up for Electronic Mail Delivery?

No. Electronic Mail Delivery is a service provided to all policyholders free of charge.

What are the hardware and software requirements?

Hardware Requirements: You will need access to the Internet and a valid e-mail account to receive e-mail notifications. A link will be provided to direct you to our website, when new document(s) are available to be viewed. You will need a device or devices (e.g., computer, tablet, smartphone, etc.) suitable for connecting to the Internet. Any rates, fees, charges, that may be incurred in connection with accessing our website to review your policy documents are your responsibility. You should ensure that your device has sufficient storage capacity to retain the policy documents or you will need a printer should you choose to print them.

Software Requirements: Our web pages are designed for, and verified with, the last two major releases of Chrome, Firefox, Edge, Microsoft Internet Explorer, Safari, and mobile counterparts. Usually, these browsers have a built-in Adobe Portable Document Format to view documents. Other browsers may or may not be compatible with our website.

If changes are made to the hardware or software requirements, other than routine version updates or releases by the software vendors described above, such that you may no longer be capable of accessing, or retaining your electronic insurance documents, we will inform you of the revised hardware and software requirements for Electronic Mail Delivery. You will then need to review the new requirements and if you no longer wish to participate in Electronic Mail Delivery, you may un-enroll. Continued participation in Electronic Mail Delivery will constitute acceptance of the new requirements.

What are my responsibilities?

Once you enroll in Electronic Mail Delivery, in addition to maintaining the hardware and software requirements otherwise provided for in this agreement, it is your responsibility to inform us of any changes to your e-mail address, to keep your e-mail address current, and your e-mail account active. It is also your responsibility to ensure that your e-mail account is always capable of receiving new e-mails. To do this, ensure that your e-mail account has sufficient space for new e-mails, and that your e-mail server or host provider and spam-blocking software do not block our e-mails. This includes ensuring that our e-mails are not delivered to your junk file or are deleted due to an email rule you have established. We are not responsible for problems arising from e-mails sent to an inactive or out-of-date e-mail address or sent to an email address that is not monitored or is not configured to receive our e-mails. You will be responsible for accessing the information linked in the email. These links will enable you to receive important information about your policy. In many cases, Electronic Mail Delivery will replace other delivery methods and you will not receive the information separately.

In the event you do not receive billing notifications, it is your responsibility to log into our website and check the mail tab to view your insurance document(s), invoice(s) and/or account balance(s).

It is still your responsibility to inform us of any changes to your postal address. Your enrollment in Electronic Mail Delivery does not absolve you of your obligation to notify us when there is a change to your postal address.

You may update your e-mail address or postal address by doing any of the following:

  • Log into our website, go to your 'My Account' profile and click ‘Account Setting’. You will be provided with the option to update your e-mail address or postal address.
  • Calling our Customer Service Department at (800) 425-9113 Monday through Friday 8:30AM to 6:00PM EST (excluding holidays).

What e-mail address will my notifications be sent from?

Please add to your list of safe e-mail contacts to ensure these messages go to your inbox and do not get routed to your junk mail folder.

How will my e-mail address be validated?

From time to time we may request that you validate your e-mail address on file with us. Failure to timely validate your e-mail address in response to such a request will result in your account being unenrolled from Electronic Mail Delivery. It is your responsibility to validate your e-mail address, inform us of any changes to your e-mail address, to keep your e-mail address current, and your e-mail account active at all times during your participation in Electronic Mail Delivery. You can re-enroll in Electronic Mail Delivery by providing a corrected, valid e-mail address and completing the enrollment process again.

Which documents will I receive electronically?

You will receive access to certain policy documents and bills electronically. However, there may be some documents that we cannot deliver electronically due to legal constraints in your state, technological constraints, or other business considerations, and these documents will be delivered to you via USPS to your postal address on file with us. For security purposes, we may also send confirmation of changes made or requested by you to your online account or profile via USPS to your postal address on file with us. By accepting or otherwise participating in Electronic Mail Delivery, you agree that all notices, disclosures, and communications regarding your insurance policy between you and the Company, including these Terms and Conditions, may be made electronically, including Company postings to its website in accordance with applicable law. Any electronic notice, disclosure or communication the Company makes will be considered made when transmitted by Electronic Mail Delivery to the e-mail address on file, even if a document is sent both electronically and as a paper copy. A paper copy does not alter the delivery date of the electronic document or any deadlines or responsibilities referenced therein.

How do I access my documents?

You will receive an email notifying you that documents and billing notices are ready to be viewed. All you have to do is click on the link contained in the e-mail to access your account and view the document(s) or simply go the My Accounts section of our website and log in to your account at any time. You will be required to enter a User ID and Password credentials.

Please Note: Our web pages are designed for, and verified with, the last two major releases of Chrome, Firefox, Edge, Microsoft Internet Explorer, Safari, and mobile counterparts. You acknowledge that if you access your e-mail via a medium like a mobile phone which uses a browser other than those listed above, the link contained in the e-mail may or may not work, as other browsers may not be supported by us at this time.

Password Requirements

Each user acknowledges and agrees that it will not share or provide any user name or password to any unauthorized user. Unauthorized access or use of the website is prohibited. Su nombre de usuario y contraseña son solo para su uso personal y deben guardarse de manera segura y confidencial. You are responsible for selecting your password and maintaining the confidentiality of it. Debe notificar de inmediato a la Compañía sobre cualquier violación de confidencialidad o uso no autorizado de su nombre de usuario, contraseña o cuenta. In the event your password is lost or forgotten, you may access the website to reset the password.

Are there any practices regarding use and storage that I need to be aware of?

The Company has established practices and policies regarding limitations on use of Electronic Mail Delivery, including the maximum period of time that the related data or other content will be retained by the Company’s website based on the records retention requirements of your state and the status of your insurance policy. If your policy is in a cancelled or expired status, you will be able to view documents from the website or sent via Electronic Mail Delivery for a period of six months following the cancellation or expiration. After six months, you must call our Customer Service Department to request documents. The Company reserves the right to change these practices and policies at any time, in its sole discretion.

How can I un-enroll from Electronic Mail Delivery?

You may unsubscribe from Electronic Mail Delivery at any time.

Upon the confirmed action to unsubscribe from Electronic Mail Delivery, all insurance documents and bills from the time of your action to unsubscribe going forward, will be mailed to your postal address on file with us via USPS. Please make sure your postal address is current before unsubscribing from Electronic Mail Delivery. Please allow up to 4 days to process your un-enrollment, during such time you may receive additional electronic notices. You may unsubscribe by doing any of the following:

  • Log into our website, go to your 'My Account' profile and click ‘Account Setting’. You will be provided with the option to unsubscribe from Electronic Mail Delivery.
  • Calling our Customer Service Department at (800) 425-9113 Monday through Friday 8:30AM to 6:00PM EST (excluding holidays).

How can I request reprints of my documents to be sent via USPS?

You may request paper copies of your documents, free of charge, at any time, subject to applicable document retention laws and Company policies and procedures. The paper copy will be mailed to your postal address via USPS. You may request a paper copy of a document by:

  • Calling our Customer Service Department at (800) 425-9113 Monday through Friday 8:30AM to 6:00PM EST (excluding holidays).

The Company reserves the right to change these practices and policies at any time, in its sole discretion. Be advised that requesting a paper copy of a previously e-mailed document does not change any dates associated with the original document.

Information Regarding Access

The Company is the exclusive owner of all information regarding access, or attempted access, to the website and all activities relating to the website. The Company may monitor and maintain data regarding these activities without further notice. The Company reserves the right, in its sole discretion and without prior notice, to change the appearance or content of the website, suspend or revoke access credentials, or discontinue the website.

Website Information; No Warranty

The Company attempts to ensure that the information on the website is accurate and current. However, there is no assurance this will be the case. In the event your policy information is inaccurate, you are required to notify your insurance agent or contact us.

Information on the website indicating that insurance coverage is in effect does not confirm or imply that a cancellation or nonrenewal is not pending or that a cancellation or nonrenewal has not been initiated by you or the Company. The Company further does not warrant that any defects or errors in the website will be corrected.

Additional Terms and Conditions

These Electronic Mail Delivery Terms and Conditions do not supersede or abridge other terms and conditions applicable to certain information available on, or processes available through, Company website(s), including without limitation the terms and conditions applicable to access to policy or quote information, electronic payment systems, electronic signature processes, electronic mail delivery, the SMS (Short Messaging Service) program and/or the privacy policy.

Política de Privacidad

Our Privacy Policy is contained at the following link: Política de Privacidad

EXCLUSIONS OF WARRANTIES

TO THE EXTENT PERMITTED BY LAW, THIS SERVICE IS PROVIDED "AS IS", "WITH ALL FAULTS", AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMIT, WARRANTIES OF TITLE, MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED. THE USER ASSUMES ALL RESPONSIBILITY AND RISK FOR USE OF THE SERVICE. UNIVERSAL INSURANCE HOLDINGS, INC., ITS AFFILIATES AND SUBSIDIARIES DO NOT WARRANT THAT THE INFORMATION, PROCESSES, OR SERVICES WILL BE UNINTERRUPTED, ACCURATE, COMPLETE, USEFUL, FUNCTIONAL, BUG OR ERROR-FREE. IF APPLICABLE STATE LAW DOES NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, THE RELEVANT PORTIONS OF THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

Questions and Disputes

In case of questions regarding your Paperless Document transactions, contact the Company by calling Customer Service at (800) 425-9113 Monday through Friday 8:30AM to 6:00PM EST (excluding holidays).

Acceptance and Consent

By enrolling in the Paperless Documents option and consenting to receive documents and communications electronically from the Company, you agree to the following statements:

I have read, understand and agree to be bound by the terms and conditions described above and consent to receive notices of electronic documents according to the process described above. I understand and agree that: (i) I am the first named insured under the insurance policy for which I will receive electronic documents or am validly authorized by the prospective policy applicant to act on his/her behalf (ii) my consent to receive documents electronically does not automatically expire and is not limited as to duration; (iii) the insurer with which I have my policy and/or their agents may revoke my participation in the Paperless Documents option at any time at their discretion; (iv) neither the insurer with which I have my policy, nor its affiliates, subsidiaries or agents will be liable for any loss, liability, cost, expense, or claim for acting upon this authorization or arising from my use of the services provided pursuant to this consent; (v) supplemental information provided to me in addition to my policy contain important information or disclosures concerning my policy and I agree to review such additional information in a timely manner; (vi) if I cannot access my e-mails and policy documents and communications for any reason whatsoever, I must immediately notify the Company so that they can help identify the issue, or arrange to have the policy documents and communications delivered to me via alternative means; (vii) I acknowledge receipt of the notice of privacy policy posted on the Company’s website and provided herein; and (viii) I have been able to view these terms and conditions.

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