USAA Homeowners Insurance Reviews

I had a small fire in my basement on Mother's Day. USAA was very quick with help, sending adjusters right away, while I was staying in a hotel that The Red Cross was paying for. I believed that I was going to be able to restore my home to what it previously looked like, and I was so happy. After I found out how much I was going to receive, I started trying to hire contractors to do the work in my house and found out I got about half of what it cost just to paint, lol. My son and I had to do most of the work ourselves, but I did have enough to buy materials. After listening to how much USAA cares about the military and their families, I was so shocked at how badly I was treated after many years of having USAA as our homeowner's insurance company. After that claim, my homeowner's insurance price almost doubled.

My husband and I are so grateful for our claims adjuster Darrian **… Our home flooded 4 months ago and this was devastating to us but Mr. ** has been with us every step of the way. We lost almost everything thing, but with his help, we are finally back in our home. I am so glad we had USAA for our insurance company because they truly made going through this situation calming for us.

I recently was assigned an adjuster for a leak that came through my master suite. Assigned an adjuster with USAA. First off, I kept having to initiate the conversation with the adjuster. It took over a week to send an inspector. After inspection, I didn’t hear from the adjuster for 72 hours. Again, I reached out and within the same hour, he responded with their estimate. I returned his message with a few questions and he went silent. No communication for a few days to this current day! That’s when I decided to work with a local roofing company, who did the inspection, quote, executed the work and provided invoice of receipt all within 7days. This isn’t the first disappointment I’ve encountered with USAA. I will be making some changes after this encounter.

We have been USAA members for decades now. The auto and banking side of this company, I yet to have a complaint about but wow... the home insurance side is a total scam at best! Their claims adjusters are horrific and that's being polite, a DEI disaster! I made it all the way up to their executive members line and was assigned their "manager of claims" just to be told they are allowing more fraud to be paid out to a contractor on our claim whom they already sent to federal and state authorities for prosecution. Like WHAT!? They paid $165,000 for half my roof to this man after we ALREADY determined he committed fraud! No wonder everyone's rates are so high, they willingly allow fraud and have every excuse in the book claiming they are "protecting us by paying him!" Mind blown! This roofing claim of mine has been drug out over 3 years now, with approximately 20 different adjusters attempting to work it.

I’ve been a USAA customer for nearly 60 years and had a very disappointing experience with their Client Advocacy Group. I have been trying now for about 2 years to get a basis for a decision they made. Despite multiple calls, they have refused to provide. I expected better communication and support. Based on this experience, USAA customer service, once the best, and now become marginal to the point that needed services will be better provided elsewhere.

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.