USAA Homeowners Insurance Reviews

I filed a claim for my home, which was damaged by a hurricane in October or 2024. We are not able to live in the home due to the damage. To date, I have received no reimbursements for houses that I have been forced to rent or food that I have purchased, either restaurants or food markets. It has been five (5) months since I filed this claim. I have been a member of USAA for over 40 years. I've filed claims before and I have been very happy with their response. But I have never had the run-around that I have received for this claim. I don't recognize this company as being the same as the one I joined in 1983. Recently a Consumer Reports review of insurance companies showed that USAA had dropped to 4th or 5th from 1st. Obviously more of their customers feel the same as I do. I strongly recommend that you do not insure with this company.

Thanks to USAA, my longtime homeowner/auto insurance carrier! They were absolutely horrible on our water damage claim- took over 2 months and found every way they could to not cover our claim! They had to hire 3 3rd party companies to get there and then took the word of an engineering report done 50 days after the original claim. Bad untruthful adjuster who verbally committed coverage only to be overruled because we complained about the process and continued delays! Beware of USAA!

They denied a covered claim. We submitted a claim for what looked like a small water leak in the bathroom and bedroom. They sent an estimator who didn’t go on the roof or in the attic to check where the leak originated. Then put an estimate that only included the small leak but nothing on repairing or identifying the leak. We noticed a few months later a new leak with mold and checked the attic to find mold in the wood and bulges in the attic heat paper. We had our own roof inspection and found roof damage and fireplace damage where the leak was.

I am extremely dissatisfied with my service with USAA. I have been a customer of theirs for the past eight years. This year without warning or even a letter of explanation, they increased my homeowner's premium by roughly 75%. I discovered this as a result of my escrow payments increasing, not as a result of any notification from the company. When I called the company to inquire as to the cause of the issue, the natural disasters across the country were cited as the reason behind the increase of greater than $900 in my yearly premium.

We filed a bathroom leak\water damage claim over 5 months ago. We just finally got approval and were told that once we provided receipts for all of the work once it was complete, they would cut us a discounted check 3 to 4 weeks after. All communications were done by email or their limited online program. The USAA system has very little flexibility in format type when it comes to photos and video (which they demanded copious amounts of). So if you use an iPhone (which a good percentage of people do) look to having to purchase a program that will convert your heic files to jpg. Dimensions of the rooms affected were included in the submitted bids but I was required to run thru an estimation program providing those numbers again, digitally drawing a schematic of the house. (Do the USAA estimators do any work?). We had USAA representatives changed out 3 times.

Long story short. Don't use them. 25 years I've been using USAA. Like me, you'll make decades of payments only to find out they don't cover the serious problems with your house. Cast iron pipe issues, asbestos removal, etc. You'll be out on your own when you need help. So pissed.

I strongly advise against using USAA. Despite being a loyal customer for over 15 years, along with my extended family, my experience with them has been nothing short of a betrayal. It is astounding that a company which prides itself on serving those who have served our country can be so neglectful. I am currently facing severe financial strain due to a major storm that has rendered one of my homes uninhabitable for the past nine months. During this time, I’ve continued to pay the mortgage on a property that neither I nor any tenants can use, which is jeopardizing my ability to keep up with my other expenses and mortgage payments.

In the span of a yr. USAA has sent four ** guys to assess my roof. Each time I receive a statement under 2k. My contractor clearly informed USAA, I need a new roof. Being a ** customer, I wonder if a ** customer, had roof issues would they issue a full payment for a new roof, instead of me filling a claim. Every time it rains, only to be given a settlement for patchwork. Yep, patchwork. The roof is over 20 yrs old. USAA is awful for damage claims.

USAA asked to take on my property insurance when Security First backed out due to the life of my roof. I went through a wind storm on Sept 28 2022 & called Security First to inspect roof and they said everything was fine. Security dropped me as a policy holder stating the roof was too old. USAA called me and said they will take on my property insurance to then find out I had wind damages under Security First. USAA s/h sent Security First the bill, if you asked me.

Been with this company for 20 years which really does not mean anything to them. Transparency is lagging with this organization. They raise rates without even speaking to the customer or providing any sort of communication. Your Homeowner's rate is now also determined by your credit score. Customer service is also lacking and you have to fight with the automated system to speak to anyone. Welcome to your future with automation. Do I recommend them: no. We used to previously have great service with USAA, but that has changed. They are no longer a company I recommend.