USAA Homeowners Insurance Reviews

Alpha adjuster is a company who represents homeowners who have experienced damages from previous storms. I have been a client with USAA for over 15 years. My USAA claim adjuster, Desmond **, accused that company of vandalism, he insinuated that they caused the damages to the roof. He also implied that this problem was resolved in the past which it was not. He threw several accusations at myself as well as Alpha Adjusters, meanwhile other clients with USAA, different adjuster were approved within days. Alpha adjuster as well as myself are shocked beyond measure. Mr. Desmond ** Was very condescending and at that point my temper flared up. I’m not so much blaming USAA, however, certain adjusters will create and invent scenarios in order not to disburse the funds necessary for repairs.

29 Year USAA member. Absolutely horrible experience with my homeowners claim. They refuse to communicate timely. The claims portal is useless. They lowball and delay. I hope all of USAA goes under. DEI ridden and now rotten. Beware.

I would leave 0 stars. The price is inflated, the service sub pair, and the claim payout is ridiculous. The adjusters are condescending and just rude. They are use to people being unhappy. I have stayed with USAA knowing I was paying too much thinking they would take care of us in time of need. That could not be further from the truth. I feel foolish for wasting money for years being loyal them.

USAA provides terrible claim service. Slow to return emails and calls. We had a claim that was clearly covered—a leak of a water filter in our basement caused a flood. USAA waited three weeks to tell us they would pay for the contractor we hired. We had an emergency and had to hire someone to clean up our basement, only to have USAA play Monday morning quarterback and refuse to pay for a covered claim. Terrible company.

Worst company ever regarding homeowner's coverage. I believe they are racketeering & should be investigated by justice system. 1st) They are charging TRIPLE on my policy & justifying it by overvaluing x 3. If it’s happening to me, it has to be a company policy. There’s NO way they would pay me $750,000 for total loss on a 1800 sq ft Cape Cod. What’s worse is that your deductible is based on “insured value” that they dictate! 2) I submitted my first claim and haven’t had a response (even though they promise you one in 24 hours) in almost a month. I actually get nauseous every time I see or hear one of their ads.

I have been with USAA for over 25 years and the service that I have experienced is simply horrible. worst customer service ever. I will be changing my service. asked for a run down of what was covered. the adjustor was appalled. 30 days of hell to be treated as though I was trying to get extra money, I only wanted what was due to me as a customer. This has been devastating for me and my family. I deserved better, especially from a company that is suppose to take care of veterans. I will probably end up buying new appliances because I'm over all the drama. Supervisors don't even call back... It's basically the consumer fighting a battle with the insurance company...

I have have USAA products from banking to insurance for over 30 years. However I recently had a claim on my homeowners and I was very disappointed in the service, lack of communication with the agent assigned to my claim, There was not communication unless I called several times to have him call me. He was rude, dogs and family noise in the background while he talked to me, seem to be short like he had something else to do. I was not at all happy with the outcome when settling the claim. I was never contacted that they reach a agreement until after the fact. I have never experienced this horrible customer service in all my time with USAA.

I have been trying to get claim paid since January. I have paid to have repairs completed because the CSR said I would be reimbursed. Now she does not respond to voice, text, direct message. The worst experience I have had with USAA in over 20 yrs. I just want to be reimbursed.

Have been a customer of USAA for decades having not filed a claim and just last year had my insurance raised by $900 a year, after several hailstorms we filed a claim $35k in damages. USAA wrote us a check for 10k. I have heard of one bad experience after another. I'm done with USAA and I hope the company goes bankrupt but I know that won’t happen because they keep all the money.

USAA is by far the worst company that I have had to deal with for anything; it's unfortunate that they are covering my home that was destroyed in a storm in May of last year. They have dragged on the process with their egregious underestimation of our initial scope of damage, lengthy review processes that can take up to a month, unfamiliarity with my policy, incompetence, refusal to speak with contractors or recommend USAA contractors, and general unhelpfulness from a customer service perspective. One of the managers even started our initial call screaming at me and dropping ** bombs when I pointed out additional scope that inspectors failed to capture. My biggest regret in my life is signing up for USAA insurance and I implore anybody reading this to stay as far away from this company as you can.