USAA Homeowners Insurance

USAA is hands down the #1 insurance company in America. I submitted a claim due to a broken furnace that had sustained water damage. I began getting frustrated with my adjuster for how long it was taking. This was my first time submitting a claim and I wasn't aware of the length of time it usually takes. He was gathering information and working a bunch of other claims at the same time. I have to admit I was a little rude and even threw in the towel at one point telling my adjuster to close my claim and that it wasn’t worth the trouble. He was very patient with me throughout the whole process and didn’t give up on me. Scott at USAA really took care of me. I will continue doing business with USAA for another 20 years thanks to Scott!

USAA has been first rate. Recently, we had our hot water heater blow up and pretty much mess up our entire basement. Once we called USAA, they got right on the case. They had clean started within 24 hours; assessed the damages and provided a first rate recovery company. And, they were very easy to deal with. We love the everything about them.

I have used several companies over the years, but USAA stands out for me. Rates are fair and customer service is easy to work with. My only concern is, they have minimums on house content coverage which I would prefer if I could determine on my own. Finally, I made a claim a few years ago when we had a break in, they handled it quickly and without issues which helped us weather the hardship.

USAA is prompt, reliable, and service is always outstanding. My entire family eligible for their coverage participate. All are pleased with their service. My grandson lost two roofs to storms and replacement/repair was extremely prompt. My son and my daughter both suffered water damage and they were promptly serviced with adequate damage coverage.

Starting with my stepfather, our family has been protected by USAA for over 30 years. We are consistently getting dividends every year, whether we filed a claim or not. When my mom's roof suffered unseen damage due to high winds, they were there to get us the money we needed to replace the roof and the subsequent water damage.

USAA is the worst insurance company I have ever dealt with. Our entire neighborhood is having their roofs replaced sure to haul damage. USAA says they don't see any hail damage. Liars. They've been rude, extremely expensive, absolutely unhelpful, and judgemental. The adjuster accused a roofer of causing damage. Nonsense.

I'm ending my 33 year relationship with USAA. Once a great company dedicated to serving military families, USAA is now just another insurance company cashing premium checks and denying claims. I recently reported a storm damage claim to USAA, hoping to repair or replace my roof in preparation for selling my home. USAA denied the claim; the inspector stated had minimal damage and did not need to be replaced. The prospective for my home were also a USAA members, and attempted to finance and insure the purchase through USAA. However, USAA told them that they could not get financing or insurance unless the roof was replaced.

My home’s roof was damaged in a wind storm on 25 September 2020 along with many others in my neighborhood. The inspector that I engaged confirmed that damage to my roof was similar to, but more severe to damage sustained by many of my immediate neighbors. My claim to USAA was denied based on the report of the USAA adjuster who used as his criteria shingle folds in excess of a half-inch in width. My neighbors’ homes were built at the same time as mine using the same materials (Horizon shingles).

4 Feb 2021 - canceled Homeowners Policy (raise rates again with no claims). 8 Feb 2021 - was told refund was mailed out. 24 Feb 2021 - no refund has been issued will be issued on 7 Mar. 16 Mar 2021 - no refund has been issued - currently 58 minutes on phone between 5 different departments and last one sent me back to automatic system. Worst company to deal with - highly recommend another company like I did - took homeowners and auto insurance to another company after 13 years with USAA.

Been with USAA for over 34 years but will be changing companies immediately! We had pipes burst due to freeze which poured over 2 inches of water into our Master Bedroom and Master bath. Only received one call in over 2 1/2 weeks from a USAA representative!! Horrible customer service!! All walls in the bath were soaked including cabinets and tub which shorted out and would not work. USAA posted an estimate of $595.00 to replace sheetrock in bath only which is grossly inadequate…There is No way to replace sheetrock in Bath without removing tile shower, vanities, Mirrors, Trim, Molding, Tub etc.