USAA Homeowners Insurance

So I currently lost my job and have been displaced from my home in Virginia due to mandatory evacuations brought on by a hurricane. I am also currently going through a divorce and in the position where I have to short sell my house. I've been with USAA for over 9 years now and have my homeowner's insurance through them. Whenever I called to ask if my policy was up to date they started asking me general questions. They asked me if I was currently living at the residence and I told them no because I had evacuated the area. Then they started asking me more in depth questions so I asked what the questions were for. The Representative's demeanor changed and she became very short telling me that the house is now considered vacant and they were underwriting my policy!

I love USAA. I have all of my insurance through them. Which is why I am so disturbed that they wrote a 17,000.00 3 party check to a roofing company with the wrong mortgage on it and proven that the signature is a fraud. Bank should not have cashed it yet they refuse to take care of the problem.

I have been with USAA for years and love their service. Which is why I am so perplexed with this situation. Bottom line they sent a 17,000.00 three party check to a roofing company. It has been proven that it was made out to the wrong mortgage. The check was forged and they tell me it is my problem. The error is theirs and they won't fix it.

We've been USAA customers for 30+ years (home insurance, car insurance, banking, credit cards, the works). Had just one 'minor' claim and the most recent claim on a "personal-article-floater" (PAF) policy for my wife's wedding ring. In order to get this add-on insurance, we provided a copy of what I paid for the ring along with an independent appraisal on the ring ($5700 value and they've had this information on file for past 30+ years). I've paid premiums on this $5700 -value since buying the ring.

Honestly, I thought USAA was the cat's meow. I THOUGHT I was getting a better rate because I'm a vet and their advertising campaign. WRONG. Example-My Homeowners through USAA was $3400 per year. Exactly the same coverage (better actually) from STATE FARM- $1488 per year. USAA seems to hook you when you’re a young veteran, then slowly bends you over until you feel a jab right up the rectum. They make it feel so natural you don’t even know you’re getting ** hard. Getting other quotes I’ve realized we’ve been overpaying for years.

We filed a claim with USAA in November of 2017. We were pressured (all within the confines of the law, of course) to use a company that USAA claimed to have vetted and pronounced of the highest quality. The implication was: use the company we have a contract with or expect delays and possibly non-payment if you pick your own. We trusted USAA. They contract with First General, which has to be scraping the bottom of the proverbial barrel. We sent pictures to USAA showing the nails sticking up out of the floor, the deplorable quality of work, the inexcusable delays, etc. Nothing. We called USAA. We had a nice conversation with a representative obviously trained to handle "problem customers" without actually doing anything.

I had some water damage, I called USAA to check coverage, the agent told me to get a quote first, before I file a claim, since it may be less than my deductible. I did, and it was. I wanted to check rates of other companies since my premiums have gone up year after year. I was told USAA turn me into LEXUS NEXUS, for filing a claim, which I did NOT, regardless other companies won't give you a quote with a claim within a certain time frame. I spoke with a Joe **, about my situation and all he would do was send me an email, stating ZERO was paid on my claim, but again there is a claim!!! The company I switched my car insurance to, was trying to reach him and called 5 days straight and left 5 messages! He is unwilling to remove the Claim report with Lexus Nexus, and I feel I am being held hostage. I will leave USAA as soon as I possibly can, he is arrogant and unwilling to be helpful.

USAA has been our insurer for many years. When we needed them, they were there. USAA has all of the insurance we could possibly need. Customer service, online policy changes and additions. Banking and investments. Trust them, we do!

Easy to reach agents, respectful service. Have had one claim for stolen bike and got fast claim. Have had USAA insurance for over 45 years. Would recommend USAA for anyone eligible.

USAA is a bank that used to service the financial and insurance needs of the officers in all branches of the US military. When they opened their services to the enlisted and their families some time ago, that's when I joined. I saved over $700 dollars yearly when I insured the autos and home. I told everyone I knew about them. The reps are always ready to assist with a smile. They always THANK you for your service. Service on the autos is always courteous and correct. I have NOT had a problem with this company.

High rates and poor payout for a claim. Always knew that I was paying more than many but thought would have excellent claims experience (based on auto insurance experience). Had quick claim payout but insufficient for the damage incurred.

I've had insurance with AAA, Allstate, State Farm and none of them compare to USAA. We only had 1 problem and that was with trying to get in touch with a mortgage broker, the insurance people have always been fantastic.

Working with USAA was great. Unlike our previous insurance company, USAA made us feel like we were more than just a policy number and premium payment.

We had a claim on our roof for hail damage. They processed it so fast, and we had the money in the bank well before we expected. They fully covered the cost, although we opted to upgrade at our own expense. And that was entirely fair.

USAA more than satisfies both our homeowners and automobile owners requirements and needs. In addition, their payment plan also meets our financial

situation.

USAA has always been very easy to work with. When I did have a claim they paid quickly and I was able to get a contractor hired and working within days. Following Katrina USAA had assessors on scene to help their customers. My only complaint is that USAA no longer writes Wind policies.

When I signed up, I was given a quote of $825 annually. After I paid the first installment of $400, 2 weeks later, I noticed a woman with a camera taking pictures of my home's foundation and garage! I came out and asked what she was doing. She told me that she was from USAA Home Insurance. I told her that it didn't seem right to stop by unannounced, credentials or not. A week or so later, I got a "revised" bill, for $976 annually, and asking for ANOTHER installment of $90 to make up "the difference"!

USAA Used to be a great company! Until the former chairman opened USAA to all ranks. This destroyed the underwriting pool. Losses have skyrocketed. Accordingly, rates are skyrocketing. Suggest, return to Officer only underwriting rule.

While USAA service reps do take considerable time and patience with my questions, I still feel the insurance is too expensive. The size and value of our house is misstated, and the coverage is confusing.

Great service! Replaced my roof with no hassle. Not the cheapest, but when it comes to claims they don't nickel and dime you. Must be military or be related to military personnel. Best insurer I have ever been with!

USAA is prompt with claim responses, customer service is clear & knowledgeable when helping customers, thorough with updates, offers good money saving suggestions.

Indiana has a lot of rain February 2018. My basement got hit with water coming up from the floor the sump pump could not keep up, because I used the verbiage flood they won’t cover my damage. There was no flooding. I don’t live in a flood zone. My sump pump could not keep up. Guess what with never filing a claim they won’t cover this so they have taken my money for years. What is the insurance for crooks!!!

10 years ago I had nothing but good things to say about USAA. Now after repeated problems with customer service ranging from homeowner's insurance claims, mortgage refinancing, and finally the app messing up and requesting duplicate wire transfers I have had enough and will be closing my accounts. With the last issue of the lack of customer service via chat not being able to cancel a duplicate wire transfer due to their crappy app when I contacted them just minutes after I received the duplicate wire transfer emails was just unbelievable to me.

I filed my first homeowner's insurance claim at the beginning of January 2018. I have had USAA homeowners, auto, rental and jewelry coverage for over 35 years (As has my entire family). I have never placed a rental nor homeowner nor jewelry claim. My plumber discovered a broken pipe in an exterior kitchen wall that did MAJOR damage to my home. My kitchen has been totally gutted since Jan (four months) and the only reason I have been able to proceed with ordering replacement floors, walls, ceilings, cabinets counter etc is because I forked over the money myself.

This whole experience has made it very clear USAA Homeowners Insurance is useless. Our claim was denied because of a leak UNDERNEATH our home, covered entirely by subflooring and insulation, was not reported within 14 days. It most certainly WAS reported within 14 days of our discovering it; however, because there appears to be evidence that the leak itself was present for longer than 14 days, the claim was denied. Really?? If we didn't know about it, how could we have reported it? What a sham.

While on vacation my hot water heater in a closed cabinet in the kitchen leaked. USAA claim adjuster came out as soon as I got back, set up a contractor to dry out the area and then approved claim for whole new kitchen. The process was wonderfully easy and quick. Color me impressed. I couldn’t be happier with them.

I had to make a claim on my homeowner's insurance on my recent deployment. I was traveling to some fairly remote areas and wasn't always able to contact USAA or my contractors. USAA made everything as easy for me as they possibly could and it continued when I returned stateside and repairs were ongoing. Thanks to the loss of use coverage, USAA took over billing at my hotel the day I checked in, so my only out of cost expense for this large claim was my deductible. The settlements for each segment of the claim were handled promptly, as were all of my questions and concerns. I can't thank USAA enough for making this as stress-free as possible.

We purchased a Santa Rosa home in the summer of 2017 & secured USAA coverage to cover the property. USAA set the policy amount after we answered roughly six (6) questions which after the wildfires which struck the California wine country area in the beginning of October 2017. After our losing our home to the fires, it has been revealed that our coverage is grossly inadequate, roughly 50% of the amount it will take to rebuilt our home, same size, same quality. USAA has refused to reexamine the manner how the policy amount was arrived at, as well as, compromise with us to allow us to have a reasonable financial chance of rebuilding our home. As it stands, USAA has neglected its fiduciary duty to us as insurance policyholders.

I’m a veteran living on Social Security. I had heard good things about USAA and have to admit that I didn’t read my insurance policies (2 auto policies and a home policy), nearly as well as I should have. I have a perfect driving record and exceptional credit rating. My premiums seemed high to me but I thought they were probably in line with most companies. After all, they tout themselves as being military friendly and family oriented. NOT!!! My first clue of what USAA had become was: I live in a hail prone zone and 2-3 years prior I had installed a new Class IV impact resistant roof, (which is much more expensive than a normal roof), in hopes of preventing future roof damage.

Sunday I woke up to a water leak in the basement bathroom. I called the plumber, he came out within the hour...great service and very honest guy. He told me that my leak is coming from the outside of the house and I should call a roofer/contractor to evaluate the situation. I called a few places Monday morning and was told that the valley in my roof was failing. The water was leaking into my attic and should call my insurance company. The salesman called his inspection guy, he came out and inspected my roof for damage, thoroughly.