USAA Homeowners Insurance Reviews

I got the same runaround from all six of them. They didn't have a "standard form" to meet that request. "Too bad. That's business". "Go ahead and pay over the phone and cancel your payment". Who's going to pay the $30.00 my bank charges me to cancel a check? I am going to have to change insurance carriers because of their horrible Customer Service. They don't have any customer loyalty to me so why should I have any loyalty to them. Absolutely horrible experience. Horrible people and horrible business practice.

USAA sent me an email stating that my hail damage was less than my $2,000 deductible. So, in April 2020, we had a hail storm, and my neighbor next door and 3 houses away filed hail damage claims, and had their State Farm Insurance roofs replaced within the last month (Sept 2020). I filed a HAIL claim. A person, using his wife's personal phone, called me and stated he was assigned as my USAA adjuster and would be out to examine my roof. The "adjuster" called me on 10/13/2020 to say he was on his way, I gave him my gate code and told him I would unlock my back gate to let him have access to the back of my yard. He told me he would decide where he will examine my home/roof. I explained that I had a roofer in mind, the "adjuster" told me he did not want anyone getting in his way.

Today, 10/15/2020, I received an email from USAA that my homeowner's claim was under my deductible. Don't be fooled with USAA scaring you into paying insurance premiums of more than $100,000 more coverage for YEARS than you need to because they provide "excellent coverage/claims". I am reporting them to the State Board of Insurance for unfair claims practices. Hey, hire people that are professionals; people that have a professional business phone -- not their wife's personal phone!

Then, to top things off, USAA paid me to install flooring, in August, I had it installed in late September, then in early October, almost 3000 sq feet of flooring, in ALL the flooded areas, had to be taken up, because we didn't remove the subfloor. We had installed "Premium" flooring, that USAA said right off, tough **, "You chose to pay over and above what we allotted, so, if we pay at all AGAIN, it will be for the old flooring price."

Wait a minute, I demanded? USAA is supposed to be THE expert, neither me or Kathy (My wife,) were never in a flood, never knew anybody who'd been flooded, so how in the world, would we ever imagine all this happening? "Did we know what happens later," I exclaimed? We are $69,000 out of pocket, and the house is still a wreck! Oh yeah, the icing on the cake was when they cancelled me, 980 feet of it is modular, 1,901 approved, site built. They don't insure anything modular. Before we purchased their insurance, they had a dad gummed home inspector out here! Their car insurance claims are pretty good. I believe this all stems from their hiring outside adjusters.

It starts when you get your online quote from USAA. I'll use fictitious numbers but they'll make the point. We bought our house for $200k and financed $150k. I wanted insurance for $200k to cover the rebuild cost. There are plenty of new houses around us selling for comparable prices so I KNOW we could rebuild for $200k, especially considering we had $50k in equity in the house. However, USAA knows better than we do that we REALLY needed to insure it for over $400k. That's preposterous. NO ONE that I've talked to feels it would be anywhere NEAR that cost to rebuild. I tried opting out of coverages and taking the minimums on EVERYTHING in their model but it still came to $400k. THAT's why their price is double...They're forcing us to insure it for twice as much as is necessary.

When I called them to discuss this, I explained that I only wanted the minimum insurance to make our mortgage company happy. They said that USAA had decided not to offer that option but that they felt it was better to ensure at actual rebuild costs. (Forget the fact that their rebuild costs are absurd.) I explained that as a customer that's not what I want. If they're going to be customer focused (as they USED to be) they would offer what the customers want, not what THEY decide the customer wants. Of course that went nowhere. As usual I got a "Thanks for being a loyal customer, Colonel. We appreciate your business." Then they continue to ignore the plethora of customer service suggestions I've made over the past 3 decades.

USAA used to brag about getting the JD Powers award for outstanding customer service year after year after year. Check out their website now...You don't see it. What you see are awards for being "The best place to work." So their employees have become their focus, not customers. That's absolutely wrong for a CUSTOMER OWNED BUSINESS, as USAA is. If you fall for the advertising gimmicks, you'll be sorry. Shop around. You'll likely find better deals elsewhere and can CERTAINLY find better customer service.

The reason I called them is that we recently sold our home and contacted them immediately about closing our homeowners insurance. We requested the monies that we paid toward the insurance to be prorated back to us. We recently received a check from them but were charged 21% of the monthly insurance charges for one day of coverage. We have have been trying to get an answer from them as to how these figures were calculated but are unable to get thru due to their poor service. I am not very hopeful we will get an answer any time soon. I also want to let others know about our experience.

I asked if we could set up payment plan, and they said no. I then informed them that I could not pay it now due to the fact that wife was not working due to COVID. I then informed them that we would send our regular home insurance premium, but we could not pay the outstanding fee (which they could not provide a detailed accounting of why we owed it). I paid my premium only. We then receive a notice in the mail that they are cancelling our home insurance the following day if we don't pay the entire balance now. Apparently they put our policy premium payment towards the mysterious outstanding $1009 dollars we owed, and did not credit it instead to our policy premium. They told us that in their notes from our last phone call they informed us that any payments would towards our outstanding mystery debt first. I asked them to please pull up the voice recording of the call and that they would see this to not be the case.

Well, we are still waiting for the phone call back from them. However we could not risk not having home insurance, so we called around for other quotes. We received a lower premium, with lower deductibles for the exact same policy coverage. We are officially USAA free. We went from using USAA for banking, auto insurance, and homeowner insurance to now not using them for anything due to their high pricing and poor customer service. If you have been a USAA member for a long time, please shop around. You will quickly find out that USAA is overpriced. Sometimes paying a little more for better service is warranted. However it is no longer the case with USAA. I have recommended that my parents and siblings also shop around.

Then I am told to contact a general contractor to get an estimate for the repair and/or replacement of everything that was damaged. I do as they ask, get the estimate and send it in, and it’s not good enough as they want more details, down to the cost of every last screw that will be used. So, my contractor comes back out and gets more details for them, and it’s still not good enough. My guess is they didn’t like the amount of the estimate. At this point they decide to send out an “independent adjuster” that they basically hire to do an estimate. He completes this and I am told he puts his measurements and the quality of materials into a USAA software program, and it’s supposed to spit out what materials cost in my area. Needless to say that estimate came back at 30% of what the contractor that will actually be doing the works is at. He missed around 60% of the items that need to be replaced or repaired.

They again, tell me that if my contractor can send them an itemized list of materials that can justify the cost that they would pay the difference. So, my contractor spends 12 hours putting together what they are asking for and send it in. I get a call from USAA saying that the amount is still more than 50% of their estimate, and that they need to send another “independent” adjuster out for a 2nd look. That was 5 days ago, and I haven’t heard from anyone. I can’t get a hold of my adjuster, they aren’t answering messages on their app, and I have called the Claims Manager 4 times and he won’t call me back.

My wife, 2 kids, and I have been sitting in a house with no kitchen at all. No sink, no dishwasher, no oven, no countertops...nothing for 2 months with no end in sight. We have to take dirty dishes to friends or family members house to wash them. Nobody from USAA even cares or has any sense of urgency to help us at this point. I was also told by my previous adjuster that it appears I am trying to get upgrades to my house by the price difference!!! The issue is your software program you have is from the 1950’s as far as prices for materials, and the “independent” adjusters you pay to screw your customers over are inadequate at best.

We currently have four customers filing complaints with the state insurance commissioner for USAA violating the Consumer Protection act. USAA uses a program called Xactimate that has the "average" costs for an area built into it. USAA will not allow or pay for any contractors cost that is above this program. We have seen price differences of $2000.00 to $10,000.00 between what USAA says they will pay for and what a general contractor says it will take to do the job correctly. Four of our customers now have their homes in disrepairs because USAA refuses to pay. I used to refer people to USAA because of how well they took care of their customers, no longer is this the case and I will be moving all my insurance needs to another company.

Weeks later I received an email stating they’re not refunding anything and I should have caught it sooner. I immediately moved all my insurance to Geico and all policies had much lower premiums. I moved all my money to a local credit union with better interest rates. I also refinanced a car and motorcycle at much lower interest rates. If you have been with USAA for a long time you will find your rates are all higher in their favor than you can get anywhere else. I will never even contemplate using them again.

Imagine my surprise when my agent promptly called me back (the day after I filed the claim) and replied that my valuation was too low, and they were going to pay me nearly double what I had requested. I am extremely impressed with the honesty and customer service of USAA. I've tried to beat their prices with some online comparison tools and I never could. From my experience, their low price tag comes with a high value.

In my case, that was all nothing but smoke & mirrors, they provided me with a contractor, Guarantee Restoration located Baton Rouge, Louisiana that has been proven incompetent from start (but nothing was finish). Their workmanship was poor, they damaged personal property, very poor-to-no communication, unreturned telephone calls/emails/text messages, they no-shows, nor follow-up on anything. There have been more than one instances where they just stopped work without reason or communication, sometimes a month or more at a time.

To date, Guarantee Restoration located in Baton Rouge, Louisiana left my home completely gutted and unfinished (no cabinets, toilets, nor floor) because this contractor recently won a State of Louisiana bid to clean office building during COVID19. A job that paid more money. And all the hardships my family, my pets, and I have had to endure due their mistakes and negligence. USAA ends their messages saying, "Thank you for trusting USAA." How could one possibly trust USAA anymore? USAA has been solid for us in the past, but they suckered me in to believing this was a worthy contractor despite our repeated requests for help. The length of this ordeal has dragged out for six months now and trust me when I say there is no urgency to be found from anyone with either USAA nor its preferred contractor, Guarantee Restoration located Baton Rouge, Louisiana.

I submitted a burglary claim since it was stolen from my driveway, and I am still fighting for reimbursement & coverage. USAA came back and said, well we have a small, tiny, minuscule clause in my home owners insurance policy which limits their coverage of ANY trailer to $1,500.00; although on the report that I received from them, which listed all the items that I submitted for reimbursement on, they DID acknowledge that the replacement value of my trailer was $6,300.00. SO THEY LITERALLY DEFRAUDED ME OF $4,800.00, AND I CANNOT REPLACE MY ENCLOSED TRAILER. Not only did they ALSO reduce the reimbursement prices for each individual item for “depreciation”, but they ALSO reduced a percentage of the remaining post-depreciation prices by a percentage until each item was repurchased; at which point you have to send in a receipt showing the repurchase of the item for full reimbursement.

After paying my $2,000.00 deductible, they still REFUSE TO COVER my enclosed trailer fully, after almost a year of fighting with them!! I have called and pleaded with them, informing them that I am still searching for a job, and am a 100% service-connected, permanent & total rated, disabled USMC Veteran; and am on a very limited income; and therefore have not been able to fully replace everything that was stolen, since I have only been reimbursed approximately 2/3 of the value of all the items, because I had to pay the $2,000.00 deductible out of my minuscule “reimbursement” amount.

Well as we all know it was a hurricane 4 when it hit land fall. USAA told us if we wanted to rebuttal then we will need to provide our own engineer which will cost us $1500. The funny thing about the whole thing is that our neighbors two blocks way who are also USAA customers received a new roof on their house. I guess they pick and choose whom they want to help. Word of advice, DON’T DO IT! They do not take care of the military soldiers or their families.

When I again voiced my concerns in writing they cited the same vague language and talked over me when I asked for further clarification as to how that applies. Ultimately the decision was made by a manager in Texas that has never seen my home, the wall in New Jersey. Both myself and the contractor found USAA rude and difficult to work with. They sell you on paying a premium for insurance but they offer no better coverage than the discount agencies... DO NOT USE THEM, if you want comprehensive and reliable coverage as well as people that work with you and care about you go elsewhere, if you want cheap basic coverage you can certainly get it cheaper from a different company.

They closed our file without our permission, claiming we said we weren’t pursuing a claim. It takes days and even weeks to get a return call to the number where we said we could be reached, then when we do connect, they move the bar again, refusing to accept information they told us in the prior call would take care of the issue. Without our agreement, they initially sent us a check for $7,000 for over $30,000 of damages.

After over four months of wrangling when we could actually connect, about thirty phone calls and countless emails, we now are less than $2,000 apart between our legitimate bids (we provided and are asking them to honor the lower one) and the mystery system they use to compute what they say they owe. (Of course, they’ve been saying that all along, as they finally have to concede one item at a time because they cannot support their position.).

The adjuster we have dealt with is rude, illogical, dismissive and doesn’t follow through with what she says. She makes threats and statements that aren’t supported by law, from what I know. We have tried reaching her supervisor, who likewise is extremely difficult to reach. Meanwhile, we have three kids living on concrete floors (the carpet was ripped out the day after the water pipe broke), stepping on nails on exposed carpet strips. After paying this company roughly $150,000 overhead years, they can’t even be bothered to talk to us or our contractor to try to resolve the last issue so we can get the work underway.

After a month dealing with delays of communication, various messages through both phone and the app, I received a call from my case manager who tried to explain to me why my claim would not be covered. I was upset. I felt like I had been dismissed and not listened to. I asked to speak with a manager. At that time the "manager" came on line and immediately had a defensive attitude. He was dismissive of my concerns and refused to listen to my explanation of what was not making sense. I was angry, yet civil.

We did not reach an agreement that day and I was told that was it. I decided to submit a message through the app requesting the opportunity to have my case reviewed by an appeals department rep. I received a message from the same dismissive "manager" saying that he had reviewed it. I told him, to please put me in contact with a supervisor who was unbiased and who hadn't got his feelings hurt. The next day I received a call from the same guy. He wanted to tell me that he hadn't had his feelings hurt, and to him it sounded like it was me who had their feelings hurt.

This so called manager then explained to me that I would get a lot further in life if I talked to people nicer. I never asked to be contacted by this man, I dont need someone representing USAA to call me and rub in the fact that my claim would not be settled, and I absolutely despise the fact that the manager wanted to call me to just upset me. There was no other reason to call. I still have not heard from a supervisor, my case has yet to be reviewed, and I don't have any resolution. This is not customer service, its harassment and a severe lack of professionalism.

The adjuster's job is to reduce payment and USAA is putting lousy customer service adjusters in front of their own team. I had a home claim 6 years and USAA service team were great. Something has changed. So much that I will start looking for a lower cost insurance company. Because their claims service cannot be worse than what I've had to go through with USAA.

Common sense says My AGENT would help represent my interests or at least advise. Not sure why I expected that from them after 36+ years with them. I am actively looking for any other insurer that come come close to the composite rates I have on my cars, motorcycles, property, and umbrella. If I can find them, they have a new client. At that point, my banking and investments with follow a transition as well....I've lost confidence. I know there are a lot of Military that are happy with USAA, I was too (blindly) until I needed something from them. They are not on your side!

They did not care about my home and devaluing my property...basically take it or leave it. My contractor sent pictures of the non-matching siding with a explanation of how it did not match and what issues it would present on my home. Again, they refused to replace the siding. Terrible Claims Service! Believe me I will be looking for a different insurance for my home. Beware!

All this for an $800 claim... The kicker is that they denied me for having 2 insurance policies (one renters, one homeowners). I was told by two separate people inside USAA that this wouldn't affect my coverage, but as soon as I needed to use the insurance, I learned that my policy is basically worthless. In the past they would have actually believed what I said information I provided, and the process would have taken a week or so. I'm in the process of moving to a company I can trust. Unfortunately USAA is no longer a company worthy of trust... A true shame.

USAA did not give the engineer pictures of the Ice dam or the snow at 3 and 4 feet covering everything nor any of the wall damage pictures or water running down the walls. No they sent him two pictures all clear no snow and facia cracks not the ones that we sent about crumbling ones due to the freeze and thaw event. Their professional did not use a moisture meter even though he was told we had water "running" in the walls and leaching out of the walls. He failed to inspect the siding on the water damaged walls. More on that later. Of course we waited for his report and it was in the insurance's favor saying it's a roof leak.

Hearing this we promptly called our roofing contractor, the roof is new November 2018. He completed a letter regarding no leak and that all the flashing is correct too. We hired a home inspector who is also a licensed contractor to complete a review. He used a moisture meter and he found the cause of the leak. Due to all the snow and the freeze and thaw the HardiePlank crumbled in a couple areas which allowed the water damage. Yes an answer. We sent all this proof into the insurance company and crickets. It's a small enough fix. We will fix it and we will sue the insurer for not paying out on this claim.

We live in Oregon and they protect us too. We will file a hearing against the professional engineer's license as well. Maybe he will think twice about doing this in the future. My spouse is a 100 percent disabled veteran and gave all except his life for his country. We went with USAA because they say they care about our veterans. Nope they don't at all!!! Be aware folks be aware.

Original review: We have been with USAA for years and noticed this last year we received a 25 percent increase in our homeowner’s coverage cost. We were told it’s to cover the real built replacement of our home should we need that. We reviewed the prior coverage and the new amount of coverage the difference was 17K more for the rebuild. So I asked, “You are charging 25 percent more for the increase of only 17K of coverage is that right?” Yes. Wow. It should be under 5 percent increase given the percentage of new coverage amount versus cost. Crickets. Three months later we were hit with a horrible winter storm. We had a brand new roof put on our home. It was only 3 months old. The rock on our home was encased in solid Ice and subject to freeze thaw for weeks. When it all began to melt it would refreeze. The frozen snow took forever to leave weeks. When all was gone we checked for any damage and wow we had some.

We called a contractor thinking it wouldn't be much. Turns out it's nearly 10K in damage. We called the claim in on the house and supplied the contractors report. They kept saying "we don't cover foundation issues". Well that’s good since it’s not a foundation issue. We waited two weeks and called back. They said they would send out an engineer to view the damage. That was another two weeks. Now it’s been a month’s time. Still damage still nothing happening. I live in Oregon so I will call my state's insurance commission and file a complaint to get this thing moving along. I noticed others on here are from Oregon do the same. Oregon can yank there right to sell insurance in Oregon if they receive enough complaints.

Always, thought the policyholders are to get any checks issued on their claim, unless they sign papers directing otherwise. And insisting that I do business with their vendor by sending my claim checks to their vendors, sounds it may be quite illegal. Something fishy going on, here. Does not the Insurance Companies have a Legal Fiduciary Relationship with their policyholders? Don't they owe a Fiduciary Duty to send the policyholder any checks or payments made on their policies?

I could not get the vendor to stop by house and answer any questions, show any samples of flooring, etc., that was suppose to be like what was priced or what they may decide to install. Stated that until I sign a mailed authorization form for them to do the work, would not come by or bring samples. The policyholder surely has a right to see what is the quality and grade of flooring they estimate and plan to install. The paint sample, etc. would be nice. What is estimated vs what was lost vs what is being installed, is questionable and needs to be supported by other contractors. Some choices made by the homeowners.

Heck, their flooring samples may be found to be a cheaper grade that the policyholder had and overpriced for that grade. The homeowner may be able to buy it for much less, elsewhere while getting a better grade of flooring. The reason that I do not want to give authority to do the work is because not sure what they are doing and prices they will be charging for any flooring installed. I may want to upgrade to something else, but can not get any prices from the vendor without first giving them the authority to do the work and charge any price they wish.

It is lot like "add-on" items, added to the new car sticker price by new car dealers. (Except you see these overpriced items) But, I can not see any prices from the vendor. Any new auto buyers can finds that the nitrogen filled tires they are charging $200.00 for can be gotten filled free from Costco, any day of the week. The $1200.00 window tint price add-on can be gotten all over town for $200.00

Anyway, the claim has not worked to my satisfaction and my home cannot be put back to its original condition. Sadly, after all these years with USAA and no prior homeowners claims! My House has no liens or monies owned on it. The vendor is not the policyholder. My opinion or another contractor opinion does not matter to USAA. They are married to their vendors, be it auto windshields prices or homeowners repairs.

The heck with what the free market is charging to do the repairs. They set low ball prices and get some vendors agree to do the work based up the number of claims checks that will have their names on them. Their vendors are mailed the checks. A nice quid pro quo relationship with their vendors. They come up with a price that no free market contractor could afford to do the repairs, after inspection of the damages.

It is my understand that USAA sets the prices that will be paid on their claims, not the free market. Their policyholders are just the innocent victims in their questionable and cozy business arrangements with their vendors. Appears, the insureds are to be damned, it is USAA's vendors that really matters. Their policyholder's monies are just payments promised to their vendors. Eventually, I want to have my home repaired and back to the state -it was- before the loss. Lets hope.

So far, USAA appears to have washed their hands with the claim. They paid the claim based on their prices and their vendor has the check. The homeowner is left out in the cold when their policyholders are not in the loop. Nor, is there a fiduciary relationship with USAA and their policyholders, in my case. It is sad that a loyal policyholder has to write a critique of their carrier, after they purchased the insurance base upon good faith.

I have no working kitchen sink, dishwasher, and disposal and am cleaning dishes in a powder room sink. USAA uses a "preferred contractor" to provide an estimate and I have no completed estimate even at this point. The contractor indicates USAA may try to repair/replace the damaged units and now I will need to wait further to have yet another guy come out and bid to repair/replace 65% of my cabinets and somehow match style and stain of 20 year old premium maple cabinets. Please know it gives me no pleasure to write this review. I am so discouraged and disappointed in this company that I had been holding up to be so great for so many years. This is not the USAA that I signed up for and it is not the USAA that wraps itself in the flag on television. The communication is abysmal, the processes are slow, and they leave the customer, the victim of the damage, to push the process along. Very poor experience.

The engineer came out, took two more weeks to submit his report. USAA got the report and told me they are not liable for anything except the interior. Meanwhile, the engineer got a check for $3,000, and I have to cover everything for my roof. Shady AF. A property claim, filed in OCTOBER, still has not been resolved and it is currently the middle of FEBRUARY. I have been a loyal USAA customer for nearly 12 years, and I will never purchase another product from them. It's sad how far USAA has fallen. It used to be about veterans and their families; now it's just another company with somewhat restrictive new client requirement.

Overall, we have been shocked at how our claim was handled. USAA has treated us like an enemy and not a customer. Every step has been difficult including communicating with their adjusters. Partly this is due to them being overcommitted and the many fires/hurricanes and other disasters that occurred this year. I have empathy for those other people but why did USAA take so long to reach a fair settlement with us? Why did they delay every decision and make us grovel for simple coverage of obviously necessary items. We have much more to say about this but want to let others know...these people are not your friends and they will fight you to the last for every dollar of payment. Don't believe that you will be treated fairly just because you are a veteran.

I am supposed to have insurance. I can't even send a payment for and a bank account I can't access. So strange how they verified me to open the accounts with the same information and now nothing. I am a disabled veteran. I can't handle stress. It makes me physically and mentally ill. I switched to USAA for good customer service and now I am completely frustrated. Plus there is not an office anywhere close that I could walk into. I guess I will call a different insurance agency and kiss the money I put into my account goodbye as no one will help me there. Beware please. They seem nice until they get your money and then they are a nightmare. Thanks for reading.

Also, before they estimated the value of our home for the policy they temporarily insured us for the purchase price of our home (which includes land!) When (on their timeline) THEY decided on the value of our structure and the contents (which was obviously lower than the purchase price) they never gave us credit for the extra amount we paid to insure land (no other insurance company does this). This should have been a huge red flag. We now use CHUBB which will always side with the customer. Do your homework before going with USAA.

The original adjuster still proved to be incompetent even when his job was done for him! I called USAA again and was told "just have your contractor submit his supplemental bids and we will take care of it." So that's what we did. It has been 6 months! We have had 5 adjusters from USAA in our home. We are on subfloors and concrete floors, have busted out windows, no insulation in over half our house, our contractor fronted the money to put in a working furnace for us and it's December!!

And USAA has been investigating our claim for a month now. All this could have been avoided if the original adjuster had done his job correctly! I would like to end this review with advice for any USAA current or new or about to be customers; when dealing with any and I mean any USAA personnel record it!! Video, voice, have witnesses, call USAA when someone from their office shows up and when they leave. To cover you and your investments record record record! We have been mistreated and unfairly interrogated and have had our words twisted against us, I wish I would have known to record any interactions with USAA.

I contacted USAA the following day regarding the damaged property and went over it all with the rep. over the phone. I was then told that I would hear back. A couple of weeks go by and now I am being asked for receipts and pictures of what I had. Really? Who takes pictures of all the things you may have in every room?

Anyway, I sent several pictures (what I had anyway) along with a detailed list of what it was that was damaged. A couple of weeks go by and I get a call that "they" USAA is willing to send me a check for $2,500.00 and proceeds to tell me what I had. - Magic list that didn't come from me. I paused and asked what about the other items? I was told "based on what I sent" that was all they were "prepared" to cover. I then asked about the pictures I had and the list of items that I sent to their email complaint/claim department. No answer - she had not received it. I resent it all yet again along with pictures that I found that matched what I had - and stated as well.

2 weeks go by and I get a call from an extremely rude and heavy smoker while we talk about what I had. I was asked leading questions about my claim and what I had. I explained that the pictures I had sent and the pictures I sent that "looked exactly like what I had". I was then told that she had found those same pictures on the internet. I replied I don't know exactly where they came from - could have come from my computer, etc, I again repeated that they were pictures of what I had had and lost - NOT the exact pictures from my home.

Then I was told this would have to go to yet another manager. 2 weeks go by and I get another phone call about they had decided to deny my claim as I was lying to them in effect. No answer. I explained again over the phone that the pictures were of an "exact match' (news people call this file) to what I had - NOT the pictures of what I had in my home - merely an accurate example of what was lost. They did not even attempt to talk to the men that removed and hauled off the damaged items. So now I am being told basically that I am lying about what I had - (committing fraudulent claim) and they are denying the entire claim, despite evidence to the contrary. Do not do business with this "Veteran" service - they are no better than the rest of the thieves out there.

She also informed me that my house may not be covered due to damages from the hurricane since it's now considered vacant! I told her I didn't want to answer any more questions and I wanted to talk to her supervisor. Her response was to tell me that everything I had said to her was recorded and she would be sending it in for further review and if necessary they would take legal action against me. Once her supervisor got on the phone and I explained to her that I was an evacuee and exactly what her representative said she started to backpedal immediately and apologized and said I was still fully covered. The whole situation really damaged my faith in the company and even to this point I'm not a hundred percent sure if something were to happen to my home that it would still be covered.

My wife's ring was stolen a few months ago, she's extremely upset, and I file a claim against this PAF-policy. USAA comes back with telling me that they will only pay $3400.00 for this ring. Or, they will replace the diamond with a $3400.00 diamond (that it sounds like they picked up from Kmart). If I had been paying an added premium for a value of $3400, this would be fine. I've been paying a premium for a $5700-ring, I paid $5700 for the ring (30-years ago), and the insurance should be worth $5700 (or I've been over-charged premiums from inception).

Getting the premiums to be higher than others seems to be a practice. USAA had a value of items inside the home at some $750K (and charged a premium based on this). We don't keep gold in the home and the contents of our home are nowhere near this high. It's apparently a percentage of the home value (which was also way too high). After quite a bit of back/forth, they reduced the home value - which reduced the value of the contents as well. It is still way too high (I can replace the contents of the home for 25% of what USAA has it valued at and is charging a premium on). When I step back and look at the practice being done on the contents and also on this PAF-policy for the ring - they are identical. Charge a higher premium for a value on the property...but have no intentions at all on actually ever paying for this actual value.

Again, if ring was only worth $3400 in USAA's mind/world, the premium should be based on this value. I was paying a premium on a $5700 ring that I actually paid $5700 for (the original receipt on file shows this). It seems that they never had any intention of honoring their side of the deal and I am not sure how anyone can trust this type of bait/switch scheme. For the diamond that they offered to pick up from the local Kmart, 'no thank you'. I spent over a year of time looking for and finding my wife's wedding ring. I'm simply not able to buy into whatever belief that USAA seems to have that this $3400 diamond picked up off the corner store is anywhere close or near the same thing.

In process of canceling/moving everything. Trust in USAA or the policies issued is no longer there - and moving before something truly major happens must be done. They never used to operate this way and a noticeable change is evident in the way business is done now. I never minded paying them more than any other company for insurance - I simply have to 'trust' the insurance company that I deal with. Best of luck to others and I hope you have a better experience with USAA than the one we've had.

A company that’s supposed to look out for us vets... Hell! USAA is ran by veterans! Just shows corporate greed has no boundaries. USAA doesn’t care that you served. It's the baited hook to get us active duty and vets sucked into their scam. If you’re reading this you’ve been warned. I have the paperwork proving exactly what I've described. I'm a veteran, served 8 years in Air Force. Joined USAA in October of 2000... Haven’t heard a fart since. Lol. Now I know why. See! That sneaky about it. I sincerely hope this helps and saves other people/veterans from overpaying for insurance. Better companies out there. Guarantee It.

We asked for someone from USAA to come see the condition of our home in person. We were finally put in touch with an adjustor, another contracted employee, who actually lectured us on wasting his time. He refused to come see our home. In fact, to date, USAA has never actually seen our home and refuse to do anything about First General even though they have seen the pictures and videos. We even had to look through the bill from First General and catch where they were charging us for services they never provided. We did the work to get the money back to USAA. USAA has spent more time haggling with First General than actually representing our interests. We certainly have not been indemnified.

USAA claims to know the value of a home they have never seen. USAA did not protect us and doesn't really care that First General left our home in a worse condition than it was before we started. As a retired Army family, we believed USAA was comprised of honorable men and women who understood what it means to serve. In fact, that is their motto; however, I think they'd better change it to something more apropos like: "Screwing Those Who Serve." Please think twice before using USAA for your homeowner's insurance, especially if you are E6 and below!

When I called them, they advised me that since their rep took pictures, there was some stucco cracking on my home and that the GARAGE DOOR NEEDED PAINTING! This is why they jacked up my bill. I was also told that these repairs needed to be done within 2 years! I told them that I am a single homeowner with a lousy job and that I didn't have the time or capital to do these repairs in so short a time frame. I demanded my refund of $400 and canceled my policy.

Other problems include a mortgage refinance that took 4 weeks to process with repeated requests for information that had already been provided and a roof leak claim in December 2017 that USAA delayed and partly paid giving some bs excuse of the shingles deteriorating just in one spot of the roof... and only have claim reps in certain cities and they only work on weekdays!

So I had an open ceiling in December in Ohio for weeks until the claim rep could make it from Cincy to Columbus. And then when he arrived he needed the help of roofing contractors to help him on the roof! Just ridiculous how little they care about their customers. I could go on and on about my experiences in the last 6 months with USAA but needless to say, look elsewhere for banking and insurance.

The claim rep has been patronizing and rude to both me and my contractor. I might be able to complete this damage repair project in about another 30 days, but very little has been done except gaslighting by USAA. And to add insult to injury, my auto insurance bill arrived today... and for six months coverage, it jumped from about $600 the last six months to over a thousand now for the same six months! Ridiculous, unprofessional, and yes, as soon as this claims is complete I am taking ALL my business and my family’s accounts too, and going elsewhere.

What good is this insurance if there are catch 22s such as this that do nothing to protect your customers. They should be ashamed of themselves. We have been with this company for many, many years and have always had good experiences, until now. We don't want anything more than to have our repairs covered under a policy we thought was going to be there for us when we needed it. What a shame. This your company doesn't share that view. We WILL be looking for another insurance company and we WILL share our experience with our friends, co-workers and family members. Disgraceful.

This didn’t seem right to me, so after confirming the requirement for me to sign their paperwork I, (without signing their affidavit), started checking my policies more closely.

My findings? Both my house and auto policies cost hundreds of dollars each more than other major companies. The worst part is that the COVERAGE was absolutely HORRIBLE! The company that I changed to (at a several hundred dollar savings), won’t even let their agents write a policy with coverage as bad as the one USAA recommended! USAA, while charging their clients hundreds of dollars MORE, all the while touting how wonderful they are to veterans and military personnel and their families is absolutely deceitful and shameful!

In talking to previously long term USAA clients, the company wasn’t always like this but something changed around 3 years ago. I believe they may have taken a similar “3 D” policy (Dispute, Deny, Delay), that some other questionable (major) insurance companies have recently adopted. This practice heavily inflates the company’s bottom line by reducing their payouts. This is achieved by underestimating replacement costs, inflating depreciation of property, denying claim damage, disputing claim damage and costs, and delaying verbal and written correspondence and checks regarding ANYTHING other than the original unreasonable estimates they present.

A very high percentage of clients either think there is nothing they can do (sometimes correctly so), or they just plain get frustrated and give up trying to get a fair settlement. Great way to make huge profits huh??? To be fair, almost everyone that I talked to at USAA was friendly and easy to work with. It’s the overall company policies that I have a problem with.

My husband call USAA filed a claim and was told someone would call us to come out and inspect the damage within 24 hours. The contractor called the next day and said he could not come until Thursday afternoon to inspect the house. He shows up takes a quick outside look at the roof and tells us the insurance company won't repair maintenance work on the roof. He continues to assess the damage on the inside of the house and tells us he will come back to inspect the roof when he gets a ladder. I ask him, "Why would you come to my home knowing the roof was leaking, without a ladder." My husband offered his ladder, the guy gave us some liability speech and said, "But if you want me to go on the roof, I will." He spent 10 minutes on the roof, got down and said he would write up his report.

I was so hurt, confused and felt like this guy did not show up to protect my must valuable possession -- my house. How was he going to protect my property without inspecting the cause of the water getting in my house in the first place. How could he look 13 feet up in the air and decide this is a maintenance issue. I had an accurate inspection of my roof, the shingles are loose in the valley most likely because of wind. There is asphalt missing from shingles and damage to back of the roof, he never even looked at. Water was leaking in between the flashing and the loose shingles were causes wood rot, mold in the attic.

I realize that USAA did not send this guy out to protect my property from lost and peril, but to save them money. The very sad part is he told us the roof is the original roof (18 years old) and has about 5 more years of life. He wished he could help -- like my insurance payments are some sort of charity, but there is nothing he can do. This guy has denied my claim and does not even work for USSA -- how unprofessional, and presumptuous! I am completely outraged!!!

I had to have the opposite countertops changed to match the new/different color, textured materials, The repairs to the damaged cabinets looked great, though, then I had to upgrade the other side of the kitchen cabinets to match the repaired/repainted damaged cabinets, flooring to match, etc. Did not get a check until Feb. 2017 for $6,200. Took pictures of the demolition, the floor, the walls, the damage to the dining room etc. Sent to the adjuster, informs me that all of that is covered by the payment received. I spent hours on the phone and she states that the price is dictated by a national database.

For example, 12 square feet of plywood removal, replacement is $25, as the plywood is only 12 dollars for the 12 square feet (though we had to buy a complete 4' x 8' sheet of plywood to cut the 12 square feet out of) and the labor is $13 as it will only take 15 minutes to do the work (and the national database stated that it would only take 15 minutes to do this work at $52 per hour rate). I asked where these contractors are that work on that scale of perfection in time and material. NO answer.

Here I am 15 months out. Total outlay by me is $21,000 for all of the repairs and work and I am still waiting for USAA to do something with the claim, online it states: "Your claim is unresolved because USAA needs additional time to further review and process the claim under your dwelling coverage." Letter dated October 27, 2017 at 9:32 a.m. CT.

What more is to review. You took advantage of me and now are you looking for ways to recoup the payment that you have already made??? I have contacted USAA on numerous occasions with no callback, no emails, no cell phone calls or text messages. They have all of my contacts as I have been a member for the past 26 years. Insurance commission has no interest in this case. They won't even take a statement/complaint.

I called to cancel the policy and yesterday discovered the jerk on the phone did not do it and my mortgage company paid it. I am on a fixed income and the extra $500 a month meant I was going to lose my home. I am sure because I was confrontational they decided to pay me back. I will take every opportunity to let people know what this company has done to take advantage of someone.

Finally in January of 2017 with no repairs done and after a conference call between us, the contractor and USAA we had enough and told USAA to fire them and get another contractor. Little did we know was a keyword for USAA to "cash us out." They did not even tell us that it was now our issue to deal with and we did not even know we were now to find our own contractor and get them to do the repairs. We found out that it was our problem sometime later when we asked what was going on with getting us a contractor and were told we were "cashed out" and then told us what that meant. We informed USAA that was not what we wanted but we're told it was now our issue to deal with.

We then found a contractor and had them submit a bid to them and they responded with no they would cover our roof damage, the bid had nothing to do with roof damage and they basically just blew off the bid and we were still living with no bathroom ceiling now for six months and other water damage to our home. During this time we were dealing with many different "Storm Team" members and had no assigned adjuster. In March of 2017 a tornado came through our neighborhood and caused additional major damage to our home. USAA was contacted and they sent a preferred contractor to do emergency repairs and then assigned that contractor to do the repairs to our home. Since we still had the damage from September not repaired we asked that preferred contractor if they would also do those repairs and they also submitted a bid for that as well and USAA accepted that bid as well.

We were finally assigned an adjuster to contact and work on our behalf. During the time working with her to get us packed out of our home and find us a place to live she was caught lying to us, her supervisor as well as the company trying to locate a place for us to live while repairs were being done. We were then assigned a new adjuster. We were given three choices to stay, two hotels One of which was total filthy and an unfurnished apartment that our furniture would not even fit into. We chose to stay in the third choice. Our house was packed out except for the kitchen dishes and cooking utensils. An engineer was brought in to inspect our home for structural soundness and damage. He noted some areas in the framing that required repair as well as cracks and nail pops throughout the home.

He was unable to determine new versus any old and the adjuster then made the decision to repair them all and told the contractor that was what he was to do as well as repair the other damage. Work began and we were almost at our home daily and seeing that the contractor was not making the repairs as required but taking shortcuts. We contacted our adjuster and the contractor asking that we all walk through so we could show everyone and discuss. That never happened. We finally convinced our adjuster to walk through and he became so angry with the poor work and work that he did not authorize. He left the house very angry and even recommended we fire the contractor numerous times. We informed that under no circumstances were we going to cash out and inherit the mess and that we were confident USAA would make it right.

To make a long story short the contractor was not made to do it right was even told to do the work in the kitchen which only made it worse in there. We continually tried to get the adjuster to come look at the poor workmanship to no avail. During this time USAA transferred our adjuster to Washington DC area 3-4 hours away. We had also during this ask him directly who was he an advocate for, us or the contractor as he was more worried about the rating to give them vice correct repairs to our home, at this time we also contacted his supervisor and expressed our concerns and issues. Finally they scheduled a walk through with another local adjuster as ours could not make it there. She was appalled at the work and left the home without even completing the walkthrough as she also had to be somewhere else and would submit her finding to our adjuster and his supervisor.

We never saw the whole list and it appeared to us that they allowed the contractor to decide what they would and would not address. Some work was done but original damage kept showing back up, cracks in walls, water stains in the ceilings and poor workmanship. Mind you we kept telling our adjuster and his supervisor of this the whole time and it appeared that they just kept blowing it off. They scheduled what USAA called a "final walkthrough", again our adjuster, 3-4 fours away had another adjuster go through, numerous issues were pointed out and again not all were addressed and they had the contractor make some minor repairs but again did not address all the original damage showing back up, some they just sprayed "popcorn" over the cracks.

The ceiling is painted tan and the popcorn is white and they just left it that way and you can still see the cracks. We were informed that our house was now fixed and inhabitable and were going to move our household items back in. They did and told us to provide them a list of they that we were not happy with and they would determine what would be addressed and that we were to move back into our home. During the time that the contractor was in our home doing repairs, they dropped our ceiling fan and told our adjuster it just fell, he agreed with us that it could not have, they broke a window, tried to blame us, but over eight USAA representatives never noted a broken window. Broke our bathtub drain dumping cleanup over their drywall and paint brush cleaning, caused a leak from our refrigerator they were using after we had emptied, isolated the water, and turned off and they turned it all back on and were using unauthorized.

Tripped the GFI circuit breaker when they broke and outlet connected to that circuit causing the freezer in the garage to turn off and all the food to thaw out and start rotting. (We were the ones who discovered it and I was the one who verified the GFI circuit had tripped but the contractor told our adjuster that the plug was not seated all the way in which was the very first thing I checked and it was). Damaged the front of my restored 1975 corvette in the garage opening the freezer door into it, they cut most of the cable TV cables, all the internet cables, a good number of my alarm cables at the window sensors as well as the line going to the phone which was also cut, after the home items were returned I then tried to turn the AC on as it was off because we had pointed out to our adjuster.

The one time he went to the house, that the contractor was spraying sealer, popcorn and paint and it was being sucked into the intake and showed him how the filter had become so clogged it sucked up into the vent and all that being sprayed into the air handling unit, the air handling unit would run but the compressor would not turn on. We informed the adjuster and had an AC repair company come to troubleshoot. They found that the contractors had cut all the wires from the air handling to the compressor, the intake coils clogged with dirt, debris and paint. He contacted them and they are to doing cleaning and fix the wiring. (They have stated that they are unsure if it will work or not and we are waiting to get on the schedule.) Our adjuster and his supervisor have said that we are not authorizing us to stay here while those repairs are being made because he told them to fix it.

The temperature in this area has begun to drop into the 40's at night, my wife is handicapped and stated that he authorized cleaning and repairs to either pay to stay here or move into the home with no heat. This is very condensed version of all that has gone on. In short we still have no ceiling in our bathroom, many of the damages from the 15 inches of rain, hurricane and tornado are still there, never repaired or showing back up because they were not repaired correctly and many other poor workmanship issues that have been told them many, many times. USAA (our adjuster as well as his supervisor) will not return any phone calls have stated they have no other contractors that can repair any of our concerns and that we are “cashed out”:, which we stated we do not want to do.

Now we are being forced into a home with no heat and cannot cook and eat until all the items in the kitchen are cleaned which we cannot find anyone that will just do that area and he has stated he gave us money and it's not his problem anymore. We feel hopeless, stranded and abandoned by our insurance company (USAA). It is sad that they are more concerned with grading the contractor than making them do things correctly and when they continually damage and break items they appear to side with the contractor and we had to firmly tell them that the contractors is lying and prove why. We are trying to find an attorney to help us with this mess. All we ever wanted was our home repaired and done correctly, support from our insurance company and get normalcy back into our lives. It is now over a year and have no ceiling in my bathroom, no heat and being forced into my home, very, very sad.

I have 2 graduate degrees from UCLA, an MS in computer science and MBA. Most people would think that establishes my credibility to handle financial management matters with at least a modicum of sophistication and expertise. Not so at USAA. They talk to me like they know everything and I know little. They use policy and law to justify illogical and irrational behaviors, demands for documents and decisions. When I ask to see the source documents for the laws or policies which they have referenced, I never get them. I found myself reminding them that the employees at Wells Fargo bank followed the company’s rules and policies, and look at the havoc that resulted from those efforts (5,300 people fired, hundreds of millions in fines settlements and outstanding civil litigation that could easily reach into the billions of dollars).

Banks should be very careful justifying actions by referring to policy in light of Wells Fargo’s debacle. Watch out for USAA customers services representatives responding to your direct and specific questions with obfuscation and distraction (i.e. instead of answering your question they answer one of their own choosing – THINK KELLYANNE CONWAY). My experience with USAA is that they directly equate effort with results. When they can’t get anything done, they insist on telling me that they made a diligent effort but something beyond their control has prevented them from achieving the desired result. No one has suggested that my expectations are unreasonable, as they are in fact not unreasonable.

If you decide to use USAA for the variety of products and services they offer, expect to hear the phrase “I/we am/are sorry” because they love to apologize for their mistakes and failures. I still don’t understand the point of apologizing because it fixes nothing. Further, an apology from someone other than the actual source of the problem, and not a surrogate, is not remedial. “I am sorry’” is just USAA’s way of distracting their customer from ruminating on their still unresolved issue. When I hear “I’m sorry” I respond that they need to save their apologies for someone who actually finds it helpful or productive to hear an apology.

Also, don’t mistake “nice” for “good” or “effort” for “results.” USAA has serious problems with these two issues. When they can’t get something done, they tell you how hard they are trying and when they make mistakes they apologize and tell you how valuable of a customer you are. When it comes to business I always choose “good” over “nice” and never confuse “effort” with “results.”

I am a member of USAA’s wealth management group, which is supposed to get me to better trained and more senior representatives. On most of the issues having to do with my deceased father’s accounts I have been dealing with USAA’s “office of the president” team which is supposed to be their most capable customer service representatives that have the power and access associated with the “office of the president.” The “Office of the president” representatives tell me that my problems cannot be escalated to a higher level, they say they are at the highest level. However, they clearly know little about social media and the power of the internet or the media – I CAN ALWAYS ESCALATE TO THE INTERNET AND THE PRESS WITH OR WITHOUT USAA’s ASSISTANCE OR APPROVAL.

Since USAA has several products and services you would think that they would have a central point of contact to deal with the necessary account changes associated with a death, but you would be wrong. I received calls from 1) investments, 2) Banking, 3) insurance & 4) life insurance/Medicare so far and they all want basically the same things: a death certificate and the section of the trust that deals with successor trustee. I have had to repeat the very same information 4 times. Further, the trust information should have already been in their possession had they provided the “Excellent member service” or “knew what it means to serve” and required or requested information needed for the survivors to continue on with their lives.

In our case, since the credit card was in my father’s name but used primarily by my mother, USAA immediately terminated the credit card when I notified them that to stop the Medicare supplemental insurance payment. No mention was made to me of the other consequences of my notification like termination of the credit card so my mother was unable to pay for her groceries, freezing of access to bank accounts and investment accounts, and required changes to the dwelling umbrella insurance policies. Everything was frozen while we waited to receive the death certificate – it takes a couple for weeks for it to arrive from the State of California. I guess in the interim USAA thinks my mother does not need to pay her bills or buy groceries.

Since USAA cancelled the credit card that my parents used for automatic payment of some of their regular household bills (utilities, phone, cable TV) we get to discover which companies need to be contacted and billing information updated over the next few weeks instead of helping us make a smooth transition like you would expect from the company that “knows what it means to serve.”

Even though all of my father’s assets were held in trust accounts with my father and mother as joint trustees with each becoming the successor trustee when one of them dies, USAA still froze the assets. My father used the BILLPAY option available to USAA members to pay all his regular recurring bills, drawing the money from the trusts checking account. So he had all their vendors’ addresses and account numbers in the BILLPAY system. When he died USAA prevented me from accessing or using any of that information. We would have made backup had we knew that even though everything was paid by the trust we lose access to the vendors and the recurring payments.

Further, the credit card which was in my father’s name (because you cannot set up a credit card in the name of the trust) was closed when USAA was notified of my father’s death so all the automatic payment drawn from the credit card were terminated and we have no record of the vendors who were linked to his credit card. This makes no sense because the credit card was always paid with Trust funds, so there was no need to terminate the account immediately.

Had USAA provided “excellent member service” they would have assisted us in transitioning to a new credit card for my mother where we would have had the opportunity to reassign the vendor payments to the new credit card. When we finally got an account set up form my mother to log in and manage the trust’s assets it was not set up with the same security options that my father’s account had as you would expect a company that “knows what it means to serve” would do.

It took 45 days and still no adjuster. Called USAA and no one would help us. They never sent an adjuster out for 2 years and three months after all of damaged belongings were put into a storage unit. Which we paid for with our social security money for 2 years so we could prove we had the sewage infected property and still 2 years and 4 months later the adjuster opened the storage door to assess the damages. Took a few pics of few pieces of property in front w/ spider webs all over the stinky property and he never looked in a box or at any of what I claimed. Just took pictures from the outside and left. 2 weeks later USAA denied the claim. This was a disgrace dirty. They took my insurance money, caused me to be robbed, hospitalized from the sewage, and homeless and then abandoned me. I have called claims over and over and over again. To no avail.

My eyes and lungs got infected because I was doing the adjusters job and I was put on a breathing machine a "nebulizer". We were rendered homeless because as we waited for an adjuster our renters insurance told us we had to leave the hotel and they had not even sent anyone to assess the damages. Channel 2 news came out on the day it happened and documented the flood. While we were homeless and vulnerable a con artist minister told us to stay at their home and when we were showering they robbed us. We DID not find out until we went to the bank. Long after we called Cobb County detectives. The person was prosecuted and jailed. We DID not hear from USAA for several months until they decided not to pay us. Then when we called them upset they told us we were being investigated... me! A retired magistrate certified by the supreme court of Virginia with an impeccable character!

And I was investigated... for what? They would not tell us. It was a stall tactic. My husband was sent to Massachusetts because he could not stand and was in pain and sick from exposure to the sewage. Relatives kept him while I tried to resolve the very reason why I bought insurance to cover me and my husband if a tragedy occurred! They abandoned us and left us to the elements after 2 years and 4 months and they had come nowhere near us. They denied the rest of the $20,000 claim and said the property that sat in sewage for 6 weeks and then in storage for 2 years and 4 months was not damaged and the claim is denied. 2 years and four months later I turn to God Almighty and asked him to deal withthe adjuster who caused all of this neglect to happen Norfolk, Virginia - field adjuster at USAA.

USAA Jonathan **s' professional profile on LinkedIn... Jonathan **. Field adjuster at USAA. Location: Norfolk, Virginia who had me investigated for no reason! I gave it over to God. He (will) fight this battle for me. I had no other recourse. Stay tuned. He mistreated the wrong people. Now. Watch God almighty! Ed. Clemons and Jacqueline **... Atlanta, GA ** if anyone wants to file a class action. No one at USAA has done anything about this and the president's office. His name "Mr. Stuart **" cannot be reached. He has pit bulls protecting him unknowingly from what his customers are going through. So sad. Thank you Lord in advance.

Some of it was easy to remember exactly what was in there but most of it I couldn't think of it and that was a demand that they had up front. They said I had to remember every single item and for every item find it on the internet with a price. Some of my bags were discontinued and it was extremely hard to not only recall all of it but to find prices to send to them. Well I got through probably a quarter of it and I couldn't remember any more of my items specifically. I asked them if I could just say $100 for five turtlenecks and they said, “No each one had to be printed.” I went through several ink cartridges and it took me weeks to get this done. They came up with a figure of something like $27,000 quarter of it that I turned in. They asked if I was comfortable with that and I said yes because I just wasn't going to be able to remember anymore.

I was unhappy that they couldn't give me a $300 allotment for sweaters or something like that but at least it was enough to replace what I could think up specifically losing. She said they would get back with me and the next day she had a proposal of they will hold 15,000 and each item that I purchase they will give me 50% of everything over $50 until all that money was used. That would mean I would have to spend thousands and thousands and thousands out of pocket to be able to use this. There goes the possibility of finding some of it on eBay. And not to mention what about all the items that are under 50? It was just awful. She said if I don't like that I can take 5000. Well that's what I did because it was too confusing what she was proposing and I didn't know if I was going to be able to find the exact things that I had before. That is a strong unlikelihood so either way I was going to lose all that money.

I took the 5 so I could replace some of it. I wish so badly that I had just denied the whole thing because 5000 isn't worth filing a homeowner’s claim. I just felt like after all that full-time work that I did on this claim I should be able to get some of my things replaced at least so I took the 5. But now since I know how they work I am scared to have them as my insurer. What if my house catches fire and they do this crap to me about every piece of clothing my child owns are every piece of everything in our house? I think what they did to me was ridiculous and unfair.

So for $30,000 worth of items that were eligible to be replaced I got 5000. I have been dragging my feet about switching to another company but I need to do it in case something goes wrong. I cannot go through that again with those people. They're not going to replace the stuff in my house anyway if the house catches fire if they treat that claim like they did mine. I should have stayed with Geico.

I have started the long, slow process of moving my accounts out of USAA. When I called to drop my auto insurance, the guy on the phone try to convince me not to move. After explaining all the difficulties I had with home insurance division, he was speechless. USAA divisions, you have lost a very profitable customer because of your home insurance division. I am so disgusted with the service, I can't ever persuade myself to ever do business. Closed accounts: 1 auto, 1 home, 2 checking, 2 savings, 1 529, 1 401K, 2 brokerage, 1 credit card. Seventeen year customer. Get the picture?

Not only that she would call so much that it was very harassing. I contacted her supervisor who didn't care at all that I was letting her know that I was being harassed and even so it made no difference. So here we are in July and I am being told that all of my accounts will be closed due to them saying I had made a false claim, back in April even after telling them that the lady wasn't even doing the claim since I couldn't meet with her. Needless to say I am having a hard time and USAA has yet to care at all. After me getting my credit card and they took the money since the account is being closed before it's supposed to EVEN though that was on them and not me. I surely have had it up to the max with USAA.

On December 7, 2015 No Limits Construction was paid by USAA for the following service.They were hired to replace all of the drywall after water backup in my home. Mold removal from the water was done by Service Masters, and Eco Systems Industrial Hygienist was hired to ensure that there was no more mold growth, and the house was cleared of environmental hazards and mold prior to No Limits Construction started there work. No Limits Construction was paid a total of $11, 834. 40 for their work. They were hired by USAA as a Premier Contractor. On July 20, 2016, I noticed that there was mold growing in the sump area, and I informed USAA of the problem.

On August 4, 2016 a representative from USAA came to my house about the mold growing, after my house had been repaired about 4 months ago. They determined that the door that was placed on the sump pump area when the house was repaired caused no ventilation in that area, and caused mold to grow rapidly in that area. This is not due to my fault, it is due to the contractor placing a door in that area, where there was previously none. Now this must be fixed. I am a 100 percent disabled veteran with severe health problems. It has been over a week and I have not had any communications about this problem, and plans on who is going to fix this problem. In the meantime mold is rapidly growing and this interferes with my health. It is unsafe for me to stay in my home with mold growing. I am requesting to be placed in a hotel until this problem is taken care of, as soon as possible.

That space has been opened every since I bought this home in 2002, so air could flow from the sump area, therefore condensation could not build up, and no mold issue would occur. But When No Limits Construction did not follow proper procedures and closed up the sump area, condensation built up, and mold begin to grow in the work area. They were suppose to leave my property in the same condition prior to the water damage. So by not following the scope of work they caused more damage to my home, by blocking air circulation and black mold started growing. On August 11, 2016 I was informed by USAA that No Limits Construction agreed to remove the barrier, and also to remove the mold. To this date, I still have the barrier and Black Mold still growing in my home.

No Limits Construction came to my home and set up professional size humidifiers in the sump area, and also placed black plastic over the closest doors leading to the sump area, and stated that they would be back to finish mold removal. But instead a week later they returned with an Industrial Hygienist which they hired and personal associate. No Limits Construction hired a Environmental Hygienist to state that the mold was not caused by the enclosure they installed. Which was insulting, because they were trying to take advantage of a 100 Percent Disabled Female Veteran, by causing serious health conditions and financial hardship for a reckless error that they caused.

USAA stated that they would pay for a second opinion for the cause of the mold. Eco Systems. Eco Systems determined that the cause of the Mold was due to the enclosure that No Limits Construction installed, caused no ventilation and condensation and Mold to grow. Eco Systems informed USAA via phone On October 3, 2016 of their professional findings. Therefore that is two inspectors that stated the mold was caused by their improper installation.

From October 3, 2016 until October 20, 2016, I constantly sent emails to USAA emails concerning the mold growth, and my emails were ignored. I called No Limits Construction and they also ignored my phone calls. I am a 100 Percent Disabled Veteran, and I fight on the behalf of Veterans for them to get the benefits they they deserve. I currently have nearly a half of million veterans that I support on a daily basis. I enlisted their support in getting USAA to respond to this environmental hazard caused by No Limits Construction LLC. Only after hundreds of emails from concerned veterans made complaints to USAA about the unprofessional treatment and service I was receiving did I finally get a response.

On October 27, I emailed USAA and asked again for the report from Eco Systems to determine the cause of the mold. Months have passed and I still haven't received the report from Eco Systems yet, USAA disapproved the claim and stated that it was a matter between me and Eco Systems. They were in receipt of the report since October 27, 2016, and still failed to use the report in rendering a decision in the causation of the mold.

It is clear to see by the Environmental Report by EcoSystems and the Claims Agent that inspected my home sent by USAA that the cause of the mold is caused by No Limits Construction. They stated they would take care of the situation, then backed out of it. USAA stated that they were responsible for lodging while mold removal and laboratory testing from the industrial hygienist came back. They were not willing to pay for appropriate lodging for my family. I am a 100 Percent Disabled Veteran, and I can not afford to pay for hotel lodging.

No Limit Construction is aware of this, and knew that, would prevent them from removing the mold. They would have caused me and my family to be homeless while mold was removed. This is despicable unprofessional, and I pray that the board can rectify this complaint. This Black Mold is causing additional illness to me and my family, I survived 20 years of service to my country in the military, and I would hate to die at the hands of a contractor that does not take responsibility for their actions!

This was denied because the damage occurred over time even though I was blind to the damage and the fact that I told them about this during the first claim was used as a reason even though they told me to do that. Needless to say, my business with USAA is finished and I am pursuing legal options. With the recent complaints I see on this page, I am wondering if there is a class action complaint in the future.

Apparently USAA doesn't want to underwrite policies in Florida anymore, so they're tripling or quadrupling their annual rates for coverage. My own policy that used to be $2,800 annually has gone up to $8,915 without warning. Competitive rates with other carriers are priced around $3,000 annually for the same coverage... that tells me that USAA is intent on driving their members away from them for home coverage.

Talking to friends is what prompted me to check my current policy. Since the homeowner's policy is something my wife was coordinating, she trusted blindly that USAA would never charge its members more than the going rate for a product or service, and they definitely wouldn't overcharge us. After all, they were started by service members for service members... but nowadays, I guess it's all about the bottom line and the loyalty to the service member is no more. If you haven't checked and compared your policy rates in-a-while, I recommend to check the numbers as fast as possible... the time for trusting USAA has passed.

They paid me for limited losses and demanded a receipt for a private chromatograph that blew up as well. They have refused to pay for that loss and demanded a receipt. I provided the receipt and the adjuster denied it because I didn't have enough details for them to pay on it. Really? This company has taken advantage of me and I am still waiting to get this loss processed. I cancelled them after that and found another renters insurance policy. USAA you suck!

My deductible is also $3870 with the repair on the interior costing a little under $5000.00 and it is funny I got an estimate from a roofing company and they could repair the roof but will not warranty because it has severe wind damage. They will repair the roof and interior for a fraction of "the company" USAA wanted me to use and charge me up to $5000.00. I will be filing a formal complaint with the Florida Insurance Commissioner. If anyone else needs the website it is **.