USAA Homeowners Insurance Reviews

This review covers my initial contact with this company. My interest was in researching their products and services. The site requires that you include personal info to "verify" your relationship to the military. This includes the SSN, cell phone and address. Those with analog phones need not apply. I discovered this the hard way, when USAA attempted to send a text to the landline. There is no voice option. The is also no way to substitute the number to another line.

I have a major issue in my home that suddenly occurred that requires remediation and potential renovation which could be very costly. It's been nearly two weeks since I processed my claim and the USAA agent, Andy, hasn't bothered to call me back in nearly a week. I have no idea what the status of the claim is or what my next steps will be. I'm really sad because USAA is normally so responsive and helpful and they've completely dropped the ball on this one. I would never recommend them to any friends or family and hope they find a way to rectify my situation.

Like many of the others with one star reviews, I was fooled into thinking USAA cared about military and veteran families, I have been a USAA member for 15 years when I was medically retired due to a combination injuries sustained down range and State Side Service related. I sold my home in Kansas where I was stationed and moved to Texas when I transferred my policy from that home to the Texas home. I stressed I wanted the exact same coverage. Well 7 years later I had supply plumbing lines rupture under my home which USAA covered about Half the cost of that repair, over the next couple months as the ground under the home dried the house settled 4 inches from the front wall to the back wall.

I have been a long time customer of USAA's auto insurance. I bought a home in 2018 and was paying what I thought was a reasonable amount for Homeowners Insurance. Last year I realized that someone had set my personal property protection way too high. This was corrected but it took weeks to receive a refund. This year my bill increased by $162, which for someone on fixed income (disabled vet) is a lot. When I called to inquire about the increase, I was told that this was a, "statewide rate increase". That comment made no sense to me but she insisted that this was reason.

USAA's outrageous increase in insurance rates, three to four times higher than competitors, shows their greed and disregard for customers. After 23 years with USAA, my homeowner's insurance skyrocketed from nearly $2,000 to $6,000 per year. Their customer service is unresponsive and bureaucratic, lacking genuine assistance. They show no loyalty to long-term customers, prioritizing profit over veterans. Don't be emotionally roped in by USAA's exploitation of military connections. Veterans deserve better. Exercise caution and explore reputable options with fair rates and customer care with companies other than USAA.

My father was a Officer and had USAA insurance so I switched years ago. Higher than my previous insurance, but felt secure. Storm damage in 2020 damaged my roof which resulted in multiple leaks throughout and in attic. Damaged windows, trees down etc., are was declared disaster area. Allcat sent adjusters out who did not even do a thorough inspection and USAA PROPOSED to patch one part of the roof. We had 35 year architectural shingles. Can't patch. Must replace. Beware of this company. I am out of pocket for damaged windows, damaged ceilings, damaged drywall and damaged roof. DO NOT USE USAA HOMEOWNERS INSURANCE.

I bought a home that was built in 2018 and closed November 2022. I had insurance through my mortgage company when one day USAA called me to talk me into switching to their insurance. I kid you not I spent over ND hour on the phone going over the policy line by line against my other policy. When it was said and done I ended up liking the guy I was talking to, he seemed honest enough so I changed my insurance over to USAA even though the deductible was higher as was the monthly payment. 3 months later a storm blew through and took part of my roof off. I made a claim and USAA stated that they would only repair the roof not replace it entirely as suggested by my roofing contractors because the damage was too severe to repair.

With USAA for over 15 years, one claims few months back, they farmed the est out to a third party, rude operator, third party didn’t convey they needed roofer to go over the damage, I’m not able, as I’m disabled. Get the est, and only wants to fix one part of roof, when I asked how they justify this, customer service say loophole, even though my state has regulations. Left a review, USAA calls. They want to fix the issue, said I should hear back within 7 days. That’s been 2 weeks ago, called USAA back. There is no record of anyone from USAA who called me. My advice is USAA home insurance is overpriced, little to no support, slow to respond and failed to call back to fix the issues. Their slogan is we are here to support the men and women of the military, in my experience, they are no different than any other insurance, but pay a higher price.

Horrible experience, completely unprofessional. Applied for insurance a month prior to my closing date. Sent them the requested 4 point inspection, they said they needed a full roof picture (not required on a 4 point). Sent them a drone shot of the full roof, said they needed to be able to see each and every tile to see if it had cracks. They ran me right up to my closing date and had no intention of writing a policy. Why not just say so? I'm exploring legal action, stay away from these unprofessional jerks.

I had reached out to USAA to cover our MA exposure from the Master Policy Changes, from walls in, and they could not even discuss intelligentially how to cover the risk for a policyholder of over 50 years, I was completely at a wits end with USAA.

On November 28th, my family and I contacted USAA regarding a fire that occurred in our home. Upon talking to a representative about the fire and asking if we would be covered in this event, they apologized for what we experienced and told me our policy “absolutely covers fire and smoke damage”. They then requested that I submit a list of everything that was damaged in the fire, as well as the amount we paid for them. On December 1st, 2022 I submitted a list with the information they requested. When submitting my list of information, I included everything that was damaged and the cost I paid for each item – as they requested. Only one item on my list did not have a price – a laptop. While I knew the price I had paid on the laptop, I had claimed it in a past claim (years prior) and it was old.

My brother said I should get USAA homeowners insurance, so I did, although it was much more expensive than others for me as a disabled Veteran. I put in a claim because my ceilings were beginning to sag in certain rooms. The guy came out, told me it was maybe from water damage, but he wasn't sure, but turned in a totally different report to the office. I received a call today 6 Jan. 2023, after many weeks of waiting to hear from someone, and was told my claim was denied due to poor workmanship on my home. I should have known better than to go with USAA. They always say they are for the military and Veterans, but don't believe the hype, it's not true. All they want is your money. I am now looking for new homeowners insurance with any company but USAA. What a disappointment.

We had a house fire and everything was destroyed including our cars. USAA has been excellent. They responded quickly, and handled us with extreme care. The only thing I would do better is to ensure that all of my policies met the cost to replace. USAA customer service is top-notch, you couldn't ask for a better insurance company to service veterans. If anyone is a veteran and they are with any other insurance company other than USAA, I recommend that they make USAA their go-to for Home and Auto Insurance. I will never have another insurance company unless USAA terminates our contract with them. Also, please ensure you are properly insured, no matter the cost because you never know when you may need to use your Insurance. USAA is Number 1 in my book. Thank you USAA for taking such good care of your veterans!

As everyone in uniform knows, the DoD provides easy access for USAA to consistently make sales pitches to service members, all with the claim that "We're here to serve you." However, when all is said and done, USAA's bottom line is still the dollar, not the service member. Unfortunately, I discovered this the hard way. Thinking that USAA always had my back, I insured my house with them for more than 15 years, never filing a single claim.

I have been a USAA member for approximately 40 years. Started out with auto insurance and then later property and homeowners insurance. Overall my experience has been positive. A few claims along the way, hail damage to roof, and automotive, mostly glass. Recently had water damage to my house. Moisture/water mitigation part of the repair was excellent. However, for the reconstruction, USAA clearly went with the low bid. They put down tile which came up around the edges. The reconstruction company did remove the tile and gave an allowance for install of new flooring. However they left a lot of mortar/thinset on the floor. I am responsible for removing this as well as purchase of material to replace the floor covering.

I am a USAA vet and when I reported my first claim after my vehicle was broken into and all my camping gear and other personal items were stolen USAA sent out an investigator not an adjuster. This investigator wasn’t there to help. He was there to investigate me. They treated me like a criminal in a fight me the whole way through. I tried to do everything they asked. Gathering of receipts I could but there’s always excuse that they weren’t good enough. Good majority of my receipts for Digital because I bought my stuff online probably how to do the receipts and I print it out and attached of the paperwork and they try to tell me that those receipts were good enough that they didn’t except him. And everything I couldn’t find receipt for the state sister I have received and they wouldn’t cover it.

As a military member I ended up getting my banking and insurance needs through USAA. When I bought a home I thought they would be a good option that "takes care" of military members. I had a faulty roof that somehow the VA home inspector missed. Caused severe internal damage to my home. I went to submit a claim with USAA and they refused to cover the roof citing the previous home owner's "faulty workmanship" but agreed to cover the internal damage.

After thirty-five years with State Farm, I switched to USAA, having heard good things about them. Alas, all of the good things were clearly lies or propaganda put out by USAA, itself. Upon filing a claim when an upstairs toilet valve went out and left significant water damage to my home, USAA hired ServPro of Montgomery County, Tennessee. Throughout my unfortunate tenure of dealing with ServPro, I was fed nothing but lies--all of which can be proven through USAA's Claims Communication Center, as well as emails and texts from ServPro--with failed deadlines, missing property, inept workmanship, and, ultimately, ServPro's abandonment of the project, which left my home in worse condition than it originally was when I bought it as a fixer upper twenty-two years ago.

Here it is almost 4 months later and nothing. As a matter of fact, they said since I wasn’t negligent - quote “If it was a bathtub that overflowed and I was at fault I would be covered.” What kind of insurance company would say if I was 100% negligent they would cover the damage to the condominiums below, but since this water heater was a catastrophic failure and no fault of mine, no coverage. Makes no sense to me, 30 year member with no property claims ever. It’s quite unbelievable.

Wind storms have been a problem and causing issues with roof. I filed a claim after having independent roofer and home inspector come out. Both stated a new roof was needed. However, USAA stated only $500 repair. I fought for weeks, finally had to pay out of pocket for new roof or would not be able to close on the home. This experience lets me know I will not be using USAA for our new home or any other services.

Most of the staff are creative and careful about their consumer. A few month ago I contacted with this company and call them. The Person answer all of my question that I asked for. They completed all document and make the process easy.

I have home and auto with USAA. They use to be a good company. But WOW have they changed!! I filed a home owners claim for water damage. It's been 4 days and STILL no call, email, nothing. No acknowledge whatsoever of my claim. basement is flooded, more damage is happening daily and I can't even talk to a real person. I have left messages daily. Guess I will be taking my home, life, and auto business somewhere else. I can't believe how bad their customer service has become. PLEASE stay away from the new USAA!!

My mother, a USAA insured for 62 years, filed a claim with USAA when her condominium flooded due to a leak in a water heater in the unit upstairs from hers. That was more than three months ago. The USAA agent first required us to force her HOA to file a claim with its insurer even though the HOA did not believe it was a covered claim with their insurance. The agent told us her USAA coverage would not kick in until we got an answer from the HOA’s insurance. We finally got a denial from that company, which I immediately passed on to USAA. Since that day, the agent has failed to respond to any of our four emails or phone calls requesting permission to proceed with repairs. The only thing we are left with is silence and frustration.

My house burned down 2.5 weeks ago. USAA put me and my dogs up in a one bedroom hotel in one of the worst neighborhoods in town. My dogs have now been attacked twice by other aggressive dogs at the hotel, USAA doesn’t seem to care as they are making no effort to find me something permanent. And I have had virtually NO communication with my “adjuster“.

USAA is attentive and thorough. I know they will follow up with me quickly on any question I have, and explain things thoroughly. I haven't had to file a claim with them for this, but friends who have tell me they process claims quickly.

My family has used USAA Homeowners Insurance for decades. My father was a USAF career fighter pilot. My parents have had USAA for at least 40+ years, and never filed a claim for their home. However, my mother now age 94 sustained roof damage during the past year, which also caused water leakage to her ceiling in the south side of her house. The estimate from USAA was less than the amount of 3 roofers in her area, and USAA says now that they will not cover the inside ceiling water damage. They just seem to create one excuse after another. The USAA adjuster named Christoper ** has been very upsetting to work with. Again, my mom is 94 and I have power of attorney to help her. I also have USAA homeowners insurance for my home at a cost $600+ per month. Together with my mother’s insurance USAA is getting nearly $1000/month for insurance premiums.

USSA covers everything I need as far as insurance, home, auto, life. They also have banking services, credit cards. They honor the veterans with their products. Their children get the same benefits as their parents.

I have never paid a cent for any repairs to my house. Customer support is spectacular. They are always Johnny on the spot when I need help. Rates and premiums can't be beat for military. Military friendly.

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

15 years ago I moved into a gated community. Texas law requires gated communities to establish a condominium regime to maintain the non-public stress inside the gates, even if the residences inside the gate are single family dwellings. USAA admitted to me it "assumed" I lived in a condo because my address includes "unit x", even though in 2015 USAA inspected my single family home in person due to a roof damage claim. My roof damage was acknowledged and I was eligible for an entire roof replacement. USAA failed to update the year of roof replacement because "the claims department and the pricing department don't speak to one another". It was not until 2021 that both these mistakes were noticed by me.

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

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

USAA no longer abides by their code of ethics. 11 months ago, we had hail damage to our roof due to significant storms. USAA assigned AllCat Claims. The adjuster lied and said there was no hail damage. I appealed the claim and they denied it again. I hired a public adjuster, who finally got them to admit the hail damage was there, and then they shorted the claim on materials so that the whole roof isn't covered. Things like 20 feet less of flashing and a few less bundles of shingles, no dumpster, etc. They told me that windows with destroyed frames from the hail did not exist, even though there's clearly an extra building with living space in my policy and we submitted photos proving the windows exist. When that didn't work, they said that hail did not cause the damage. Well, what did? A rabid squirrel with a hammer?

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

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

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

I filed for a claim to USAA by a phone call in Nov 2020, the first claim since the house was insured in 2002. During the phone call, USAA customer representative asked me if I needed its recommended contractor/estimator to proceed and I agreed. Yet I did not realize that USAA customer representative never informed me any other options: if I seek my own representation/agent… From that point, the assigned contractor would not respond my requests/calls for the claims only if USAA pressured the contractors (please see all the posts on USAA website). Surprisingly the contractors would call me to pursue a business with a higher price and lower quality.

We have been with USAA for about 35 years. During that time, we have had several large claims for hail and hurricane damages. They always provided sufficient coverage for "good as new" repair. I couldn't be a more satisfied customer.

USAA use to be great! However, since this pandemic it seems like their service and professionalism has went downhill. For the last month, I have had to deal with an indignant field adjuster and another that seemed great at first. However, he has been untrustworthy as well. I just want my home repaired and USAA just want to spend as little as possible, band-aid repairs, and ignore other aspects of the home. It has been very disheartening and frustrating dealing with them.

I am very disappointed in USAA. I would not recommend them. Whenever I get the chance I make sure to share my experience and try to steer people towards any other homeowners insurance company. They might have been great years ago but to my dismay we found out firsthand just how mediocre they have become. After a storm we had damage to our roof. The roofer and the independent inspector both suggested the roof be replaced. Both warned us that if we had Eerie, State Farm, or one or two others, we would be fine but USAA didn’t stand behind their customers like they used to. Sure enough, our claim was denied while my 3 neighbors with the same problem ALL had their claims approved. Needless to say, we are getting quotes from a few other insurance companies and won’t be keeping our USAA coverage.

A couple of years ago, I had a claim for a home invasion and loss of items due to robbery of items both personal and replaceable. The agent handling the claim was very professional and had much empathy for our predicament. The claim was handled in a timely and honest fashion.

Very responsive & knowledgeable. Go well above and beyond anything that could be expected. They are available 24 /7 and you get a reaction as to their expected actions almost immediately. Their estimates are fair and companies they recommend are excellent.

I have been a faithful member of USAA for 32 years. I have spent tens of thousands of dollars getting my two houses and two cars covered. I have never missed a payment or been late on a payment. I mailed in my payment on 11/2. On 11/8 I received an email saying my payment has not been posted. On 11/9 I received a text message stating that policy cancellations were starting and my policy is being canceled. I called USAA six times and talked to six different agents to explain to them that I had mailed the payment and that perhaps the mail was delayed due to the ballot counting and that the USAA needs to email me or text me that my policy was not been canceled.

I have used USAA to insure my home since 2010. They wanted me to insure my home for more than $100,000 over replacement cost. Even though I argued against this, they assured me that they would provide outstanding coverage because I did not know the cost to replace. OK. In 2014, Arlington, TX had a very bad storm with 90 mph winds that blew off the roof of a building 200 feet away from my home. I called in a claim. The adjuster they hired, arrived at my home by limping out of his truck, getting on his ladder and peering at my roof. Even though I had damage to my patio furniture and roof, he said I had very little damage -- so little damage, he would not write up an estimate because there was no hail damage. I told him I reported WIND damage.

My neighborhood sustained a hail damage on March 17, 2019. Almost immediately the entire neighborhood had their roof replaced by their individual insurance company. USAA in whom I’ve been a member since 1978 has refused to cover for the roof replacement. It’s been over a year now and the house has started to leak and USAA continues to deny my claim. Everyone of my neighbors have their roof replaced and paid for by their insurance company. PLEASE STAY AWAY FROM USAA. They were good company before but not anymore. Their price is high and it keeps getting higher.

I am a retired Vet and purchased USAA insurance for my home. After 7 hail storms and 2 tornados USAA refuses to replace my roof. I now have no home insurance because no company will cover me until the roof is fixed. USAA is not the same company they use to be. My roof leaks and is destroyed and all my neighbors received new roofs but not me. Stay away from USAA.

USAA is very easy to set up. They have optional payment plans, which makes it easy for my budget. And, while lowering my overall cost (for home + cars), they gave me more coverage on my homeowners policy. Very friendly people.

I have never had a problem with a claim with USAA. They have only their own employees. They don't hire a third party, like Liberty Mutual does, who don't care about you because they're not who your policy is with. And they have huge discounts for bundling bank accts and insurance accts.

Having been with USAA for over 40 years I expect fair treatment. Recent experiences have made me wonder who they're interested in serving. My son's car was hit while parked, but they've claimed it was his fault and increased his premiums. I have a home up north but staying with a friend in Florida. USAA tried to increase my premium to a landlord/rental policy even though it isn't being rented. Why are we being treated like distrusted strangers after 40 yrs of on time payments and no at fault accidents?

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

In May of 2017 we bought our house, in late June, we weekended in San Diego. Came home early Monday morning, to 1890 sq ft of our home was 5" deep in water, as the line busted, actually blasting a hole through the vanity, then ceiling, which caused one side of the entire bath, and bedroom wall. Immediately called USAA, they told me to call a flood company, we went to a hotel for 3 months, while work was done to repair it. We stacked, as best we could, all of our furniture and possessions into the part of the house that didn't get soaked. USAA always paid the hotels (Twas coverage we'd already paid for,) and we'd be in our own home again. USAA's preferred contractor was out here for 2 days, sometimes there were 3 of them assessing the damages, but their outside claim's adjuster, was always way out of line, on the 20% to the lowest they'd pay, and no one here wants to argue with USAA on the costs to repair.

I have never had to use mine, but expect them to be easy to work with. I use them for car insurance and they have been easy to work with. They are easy to get in touch with, easy to talk to and ask all the correct questions.

USAA is built around me, and the prices are hard to beat. They are flexible and can work with me. They are very quick to handle claims as I recently had a homeowner claim for damage that was settled and I had the funds in less than 72 hours in my account!

USAA is a reliable insurance company that does what it says it will and provides great Customer service. I have been a customer for 45 years. When I have had a claim, they handled it quickly and professionally and it was resolved to my satisfaction. I will be a USAA customer for life.

I had a rear end collision, which was paid 100% because driver ran off. I also had a neighbor’s tree fall over part on my house and my deck, 2 days later there was 3 man crew who took care of damage promptly.

Great service and follow through on claims. They are the best insurance company I've ever dealt with. They respond quickly with better service than one would expect.

We had our 1st Homeowners claim in 25 years due to a wildfire and we are still struggling to get paid after 22 months. Everything has been denied or lowballed and then we have to keep paying more experts to get it overturned. It's been an nightmare. They now have the worst adjusters and no service.

USAA has excellent quality and prompts response plus better pricing than other insurance companies. Since my husband was military, our kids and I can enjoy the benefits and they can be passed down to their kids too.

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

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

We've been USAA members for 35 years. However, when we recently moved to a new state, we checked out various companies for homeowners insurance. We were flabbergasted to discover that USAA was double what we could find from several other highly rated companies. I'm a member for 35 years and you can't get me a reasonable rate??? They used to be unbeatable. Now they're not even competitive.

When we first started our homeowners insurance with USAA we were very pleased with their service. The customer service reps were very polite and quite helpful but that's now all changed. I just got off the phone waiting for nearly an hour after the rep never got back to me. I called back putting in the many security prompts and waited another 20 minutes before giving up ever reaching a representative. This is not acceptable service.

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

First they sell your mortgage to Nationstar. Somehow nationstar is worse than USAA. Nationstar has repeatedly taken money out of my account not put it back and not used it for my mortgage payment. Furthermore they send me letters with late fees and call me telling me I haven't made my payments.

I have been a USAA member for 17 years. My parents have been members for over 50 years. We have been very please with USAA insurance products and service until about 5 years ago when the service started going downhill and the pricing went uphill. The final straw for us is when we had a mysterious charge of $1009 show up on our homeowner's insurance bill. I called to inquire and they did not know. I spent nearly an hour on hold going from department to department until finally someone said it was old balance from 6 years ago on an auto insurance policy. (We changed from USAA to another insurer at that time. Saved about 40% changing). We had no idea that this balance was outstanding.

I have been with USAA for 21 years, and until 2 months ago, I have always raved about their service, customer service, rates, and how they genuinely take care of their members. I had to file a water damage claim 2 months ago for a dishwasher that leaked. I called USAA and I got a mitigation company to come out, tear everything up, and dry everything out. This part of the claim was paid to the company at without issue.

I have been insured by USAA for several years for my home and autos. I also work in the water damage restoration industry, so I deal with adjusters and carriers every day. We are a full service company, so we will do the dry out and the repairs. In the last six months we have seen a trend where USAA will not pay for a quality job on repairs.

I used USAA for banking, auto insurance, and renters/homeowners for nearly two decades. I trusted them with everything and should have shopped around. 8 years ago I bought my home and called USAA to add homeowners to my policy. We went over home characteristics and they told me it would be around $2000 a year. I refinanced my house recently and was asked why my premium was so high. I didn’t know it was. I called USAA and we figured out my home characteristics were way off. They made an immediate change and said they would go back as far as they could to refund some of my money.

I've been a USAA banking and insurance customer for 8 years and have always appreciated their customer service - though I am a pretty low maintenance customer. I recently filed my first claim for flood damage from renter's insurance. My representative explained the process to me, and it was fairly simple. I accounted for the damage to my belongings and I tried to be reasonable in my evaluation of the replacement cost. However, I also knew that my USAA adjuster could have argued that some of my my goods were salvageable or repairable at a lower cost than replacement. I expected a little less than I asked for, but I wasn't sure how much less.

Members BEWARE, I was bamboozled in using USAA's preferred contractor for my homeowner's insurance claim. Because I was told by my USAA adjuster, the benefit to using a USAA Preferred contractor is that they have had background checks done, provide a year warranty, and that USAA will stand behind these contractors and service.

I have been with USAA 35 YEARS. I filed a claim for a sewage back up. They refused to pay my claim. I ask speak with a manager several times to no avail. I called Jonathan ** numerous timeS. He left me one message that wasn't clear. I could not hear all of what he was saying. I left him a message to please email me the content of his broken and distorted telephone message which he has not done. It appears that Mr. ** is trying to find every possible loophole he can find not to pay my claim very disappointing.

I have been a loyal customer of USAA for more than four years. My husband and I made a claim on our roof due to some bad storms that have come through the area this past year. USAA wants to replace half the roof because the adjuster said the back half of the roof is still in good condition. Who would replace only half a roof on a home when you could you can just repair the whole thing? USAA claims to look out for our veterans, but we feel that we have been unfairly treated. We are looking to take our business elsewhere. Shame on you USAA!

USAA DOES NOT HELP MILITARY LIKE THEY STATE THAT THEY DO IN THEIR COMMERCIALS!! PLEASE READ THIS AND REPOST!! This home insurance burglary claim started on 2.26.19. A few weeks after filing my uninsured motorist claim for being hit by an unlicensed, and uninsured non-U.S. citizen with only a passport for identification; my enclosed motorcycle trailer was stolen; which was full of tools & camping equipment.

We had an attempted break-in on the 19 Jan 2020. Property claim-adjuster did not come for another 4 day. Gave a lowball estimate. The estimate for the damaged car was done efficiently. With windows and door claims, USAA is slow. Did our own research, found the estimate from company USAA had sent, too low. Provided our own estimates to USAA. It took 5 days just to get the windows boarded up which were breached and damaged. This should have been done the next day after the incident. USAAs advertising is great. I was told by friends they had been ok in the past, but how much longer will it take to get our damage repaired? Still sitting among chaos ...

The people above me had their hot water heater leak and flooded my laundry room. They have USAA homeowners insurance. The adjuster does not return phone calls and when she finally answered the phone she was rude. She told me to use my own homeowners insurance. It has been 3 weeks since the flooding was found and USAA hasn't done anything. I was told by two separate sources that they are known for dragging their feet until you use your own insurance.

Be careful calling into main number if you're buying an expensive home. They will walk you variation of questions and if you're close to 1.2 million will move you to another division. The replacement cost first came back at $1,260,000 which was much higher than were paying for it, but when they moved me to different division their number came back at $2,075,000! We paying 1.1! They will give you garbage about replacement cost in your area, etc. Several builders told me their replacement cost was closer to what we're paying for the home. Not sure what's up with their software but go to Jake at State Farm for expensive homeowners insurance and keep your auto at USAA.

The glass panel in my front door cracked into hundreds of pieces. I contacted USAA, who continuously receive dollars from me for home insurance, and they turned me down. They said the condo association insurance should cover that. The condo association said, and it is in writing, that they do not cover doors and windows. Now I am considering selling my home, but each time I look at that door, held together with sticky vinyl tape, I am reminded how disturbed I am by the way I was treated by this company. If you are considering USAA for your home insurance needs, DON'T! RUN!! GO!!!

We have been a customer at USAA for years. The reason we decided to go with USAA is because of their TV commercials. You know the ones “Proudly serving the military” blah blah blah. Well, unfortunately we have learned the hard way that it is a scam. After hurricane Michael, our home has had severe damage due to high winds. Roof leaking water inside the house and damaging sheetrock. Well, long story short. We call USAA and they sent a local building inspector. The inspector said the damage was “preexisting.” Yea right. So I call USAA back and requested that they send someone else to inspect the house. A couple of weeks later they sent a forensics engineer to the house. About a week later we received his findings in the mail stating that North Florida and South Georgia only received 39 miles an hour winds.

USAA IS A TRUE LOSE - LOSE! I have had USAA for my auto and home insurance, they were fine until something happened where you need insurance. I recently had damage to a single area of a retaining wall on the exterior of my house due to a severe storm that shut down multiple roads and highways in the area. I looked for USAA to help cover the damage, I even went so far to send pictures that day and facilitate a discussion between the insurance adjuster and a contractor who inspected the damage. Against the advice of the contractor USAA denied coverage to my claim costing me thousands of dollars to fix the damage. They cited vague language about the weight of water (there was no water pooling or sitting on the wall, it had just rained as part of the severe storm) or wear and tear (Only a single portion of the wall was damaged. The rest remains intact and strong.).

Member since 1974. In 1996 we insured home for about $90,000. By 2015 we noticed coverage had crept to about $170,000. Told them to stop. They agreed but did not. Filed Arkansas Insurance Department complaint. USAA stopped for perhaps two years then started increasing coverage again. We did not catch it because of automatic electronic renewals and payments. Now close to $200,000 and they planned to renew at $201,000. USAA is about to find out they should have kept to our agreement.

I have been a member for more than 20 years and been happy with the overall service for everything including a claim many years ago. This time was horrible in how I was treated, responsiveness of the reps, their apparent lack of process knowledge, and then my assigned rep hung up on me because I was questioning the situation. I called back and I was not able to directly speak to a manager and my simple request to contact me via my cell was routinely followed with a call to the home phone message machine. I am considering other options.

I used to brag about how great USAA was to us. The past 4 years I have not recommended anyone use USAA. These days it's simple to find anyone to beat USAA's financing rates. Most recently after being with USAA for 13 years and having a home insured through them as well we filed our first claims in those 13 years. USAA finally paid out about $5K for repairs on our first home after what felt like pulling teeth! First they didn't want to pay out a dime! What the hell do I have insurance for? Now after paying out for once, they want to drop coverage on our home... This is insane. We bank with USAA, insure EVERYTHING with USAA, but now we will be moving on to another provider for every product. If you are reading this know that they are not what they used to be. It used to feel like being a veteran and having USAA was a perk, now they are just another money grubbing company.

After being a USAA customer for over 30 years, we are still waiting for USAA to resolve a water damage claim with us that happened over four months ago. They have consistently taken ridiculous, unsupported positions that are contrary to even what their own adjuster recommended. They claimed this person was an independent (unbiased) adjuster, simply because he is an independent contractor rather than an employee, even though he was hired by them and they refused to share his findings with us since they were handpicking which ones they wanted to follow.

Seems like customer service has really gone downhill. It used to be when you called USAA you would get a polite and helpful representative. Now it's automated, but that's not my real problem with them. Last night we had high winds and a large tree blew on the roof of my house. I promptly filed a claim with them online and waited several hours for them to contact me. I finally had to call and was told it normally take two days for them to get back with claims. Well with pending weather and not knowing the extent of damage, two days is unacceptable. I just needed answers on what I should do. I wouldn't recommend USAA.

My auto and home policies were canceled because of a 3rd person audit of my home implemented by USAA. I told them accurate details after the inspection results were disclosed to me. The roof type was wrong and the square footage of my home was wrong. They still stood by the 3rd party audit, billed me (for which I never received a bill because I escrow the account), and canceled my policy as a result. This domino effect increased my premium 200% and demanded I pay in full to reinstate the account. Thomas offered that in the event of a disaster an adjuster wouldn't even care about the inaccuracies rather go by what is there. Camille offered she didn't care to right the wrongs in the policy. The set of moral rules that govern how a business operates or rights wrong doing is far off with USAA.

I returned to my home after evacuating for Hurricane Florence and discovered substantial mold damage to items throughout my house. I immediately called the property manager, as well as USAA to file a claim. I submitted all required documentation and photos to appease USAA. I was never sent an adjuster or an investigator. My damage was caused due to the wind blowing open a vent, allowing water and excess moisture to enter the home and cause mold. This was explained to me as well as to USAA by my maintenance.

I've been a customer with USAA for over 40 years, dutifully paying my premiums for home and auto coverage. Sadly, when I need them this year for auto (my fault) and home (hail damage - not my fault), both times I came away feeling they lost their sense of customer service and their purpose. Which is to care for their paying customers. In both cases, they have built barriers around their service teams to force you to deal directly with their claims adjusters - who have ZERO customer service skills.

I have been with USAA for a very long time, have never filed a homeowner's claim. An outside drain (directly out my garage) backed up and flooded my entire 1500 sq ft basement within less than an hour. They refuse to pay because it is "surface water", their wording in the policy is pretty airtight so all the damage that was done is now out of my pocket.

I have property insurance through USAA on a condo in TN that flooded by a broken pipe. USAA was difficult to communicate with, and would not offer advice on processing claim -- not my job, HOA insurance responsibility. They use a "Claim Communication Center" that uses short text-type messages, making it difficult to discuss anything. My adjuster did not answer phone, or return voicemails (she actually told me, "Yeah I don't check voicemails very often"). I've filed very few claims in my life, so had a lot of questions.

I was involved in a collision on 7/11/2019 that was the fault of the other driver. USAA was courteous and worked with me to get a rental vehicle and give me updates on my repairs. On 8/10/2019 after a month in the collision shop USAA decided to declare my vehicle a total loss. At that point they took my vehicle away, pulled the rental car coverage and have done everything possible to delay my payment. I get conflicting information from the total loss representatives and as of 8/20/2019 I am still waiting for a payment. Their incompetence and stall tactics are costing me thousands. Make sure that you keep all communication with them. You may need to sue to get your settlement.

USAA is great UNTIL you file a claim then they will drop you like PTSD. I am 20 years claim. Filed 1 claim (tied to a defective product/contractor) which was immediately denied. My policy was non-renewed within the week. I reported USAA to the state Department of Insurance who said they have had a lot of calls from USAA customers...that pretty much says it all.

My elderly Mom has a leak coming through her bedroom ceiling and it is one week since we filed a claim and radio silence from USAA. She has been with USAA over 20 years. We have even called the supervisor of our adjuster and nothing back. Every time it rains the ceiling leaks, buckles and could cave in. We have asked for an adjuster to come out to the house and the one phone call we got said someone would be out yesterday... nobody came. It is monsoon season and USAA just doesn't care. Shame on you for treating someone this way after 20 years. We have contractors lined up but we need USAA to tell us what they are covering. Horrible customer service and shame on you USAA!

Had a condo six floors above mine cause a flood with 22,000 gallons of water. My bathroom and foyer ceilings and walls were damaged severely. USAA adjuster was not only unhelpful but told me I would most likely need to sue to get made whole. Doesn't send paperwork I have requested and actively blocking claims. I asked to be reassigned but the manager refused. The level of personal animus within the home insurance team is significant. I imagine they take pride in jacking over servicemen and women. Few veterans in this crowd. I was a USAA member for 39 years. No more. Their other products I think are still decent, but their home insurance product is run by a bunch of self-righteous individuals that want to stick it to policy holders. The absolute worst customer service I have ever experienced in my life.

I just keep getting the runaround. No one gives you a straight answer nor the same answer because heaven forbid they actually cover anything. I had water damage to a wall due to a tub leak so USAA told me to get a plumber out to create a report. Got a plumber out and they said they wouldn't open the wall for health purposes and that I need to get mitigation out first. Called USAA back said they can't do mitigation until a plumber report is provided. So now I'm stuck. What do I do now? Not rely on USAA to do anything about it. Pointless insurance. Go elsewhere.

Have a homeowners insurance claim open since 01/11/2019. The Field Adjuster has done EVERYTHING to BLOCK or UNDERPAY our claim. Our Contractors quotes (with supporting Structural Engineer Report) are around $94 to $96K plus; so the Field Adjuster got his own Structural Engineer Report with a company that has their own construction division and is trying to force us to accept $10K or less for the loss/damages to our home.

I had USAA up North about 5 years ago. Moved out of State and both USAA Auto and Homeowners wanted triple that other insurance companies!!! I dropped them and went with other insurers. Also a relative recently had a car accident with USAA and they fought them all the way on the claim and barely paid out what was necessary. A lawyer had to be brought in. Don't believe all the advertising hype on this company!

I have been with USAA for over 20 years. I am a Veteran. USAA recommended a company to fix damage done to my rental home roof. However, USAA dropped the ball with providing me details that only the interior master bedroom was approved and not the main source, the roof. In addition to this, the recommended company along with the USAA claim representative was always unavailable and the process was not explained thoroughly. This communication gap caused both representatives to poorly provide a much needed service due to repeated water damage in the same area inside the house six months later. No one from both parties want to take accountability for their actions. Absolutely unacceptable!

I have had USAA Homeowners Insurance for 15 years. Bought the house new and have never made a claim. Made no add ons to the home except for new upgraded windows and guttering. Rate kept going up. They kept raising the amount of coverage. Saying that was what it would cost to replace the house. I already own the land! SO they are saying house value has increased 100k in 15 years....BS! They are overinsuring people to cover their losses for insuring all the military living on the coastal areas. I tried bundle with auto and they were 200 more than anyone else. I cut USAA loose. Never again. Words of wisdom...If a company says they are for the military and offer those amazing discounts and take care of you, be very afraid friend. They are full of BS.

Be very careful with USAA HomeOwners Insurance! When I purchased the property insurance I was told that in case of hail, tornado, etc USAA pays for replacement of damaged property and if no match exact match is found they would replace the entire damaged property. Obviously they lied to me! I had hail damage to siding in my case on 3 sides; followed all instructions by USAA Claims Service. Contractor used ITEL to find a Match of Aluminum Siding; report came back stating no exact match, but a similar match with different grain and color was found. USAA said they would only authorize the use of the non-matching siding and told me to paint it. I told them that this would devoid the warranty of the siding; and that I now have to go from a maintenance free siding (Baked Enamel) to a maintenance siding requiring painting every 3-5 years, with no warranty.

Since 2017 my Homeowner insurance policy (which hasn't changed) has increased by $850/year - $200 in 2018 and $650 in 2019. I had one claim (2018) over the 25 years I have been with USAA. In addition, my car insurance continues to rise even though I have never had an accident and my car insurance on a car that is now 15 years old, continues to rise and I have NEVER had a claim/accident. Not sure that this could ever be reasonably explained to me.

Our family has been USAA members for many years. Recently my 93 year old mother-in-law had two fences which were damaged by wind and rain. The posts basically had rotten out and the fence was listing. The person assigned to her claim was very difficult to contact and even after leaving messages, I did not always get returned calls. I had to contact another person in claims to get this started. The total for replacing both fences came to about $4200. Her half of the claim should have been about $2100 minus her deductible of $500. Unlike other companies, USAA depreciates fences and since these fences were over 20 years old, they sent her a claim check for $79 dollars. Since these fences were permanent structures and vital to keeping animals in the yard, this seems unfair. Where are the insurance premium dollars going in this case?

Filing a homeowner's claim, we were out of our home for a month. ALE SOLUTIONS responsible for reimbursement for USAA is claiming payments that did not occur. 3 months later still waiting on payments.

I just got my bill for my HOI policy renewal. It went up almost $100.00 for the entire 12 month coverage period. That may be chicken scratch to most but I found the increase odd. I called USAA to find out why and the rep said that rebuilding rates increased for the entire state of Pennsylvania last year and I missed the increase because I was already in a new policy coverage period. Here's what gets me upset. Be transparent. Tell me if I can expect an increase and why. Don't surprise me with an increase the following year. Since I'm a relatively new policy holder, it feels like a bait and switch and who needs that hassle. For me, that's strike one. I'll go back to GEICO in a heartbeat especially since they've been offering me discounts.

USAA overcharges their consumers too much. Example, for house insurance, it was $2,000 for me and I got the same deal from All State for $600. Auto insurance? $800 when I got a $400 deal. Mortgage? 3.75% interest when I could have gotten 3.25% or less elsewhere. Cashback for credit cards? Lousy when I get 2% from Citi or 5% from Discover. I'm done with USAA for life. Savings Account? It was just a lousy 0.03% or something when I get 2.35% from PNC.

Rotten tree which I had told our friends next door 6 months before it was about to fall down, which they told the adjuster that was true, but USAA said it needed to be in writing. It knocked down half the brick wall between our two houses and part of my carport. The USAA adjuster said they could not pay because it was act of god, but it was the only tree in town which was blown down, I checked. I was in the Navy from 1968 to 1972 and would not buy USAA if it was last insurance company. It cost me $3500 to fix and my friends next door said they did not have any money to fix but would try to get $400 to help which I did not accept because they had just had a new baby. USAA told me to get any money I would need to sue my friend next door which I did not do because they were just starting in life. His tree did not damage anything on his property. USAA really does not help vets just a good selling pitch I guess.

Increasingly contemptuous customer "service". 26-year USAA member here. In the process of closing all of my USAA accounts (home and auto insurance, banking, annuities, credit card). The homeowner folks won't budge on a ridiculous overvaluation of my home ($100000 more than the assessed value!), and the life insurance annuity folks have lost a $500 contribution and refuse to locate/deposit it -- instead they offered me the paperwork to close the account. Which I am doing, because losing the $500 costs me less than the attorney fees to fight USAA in court.

I've been a member of USAA since 2006, and have held the company and service in high regard. However, they have dramatically changed in the last few years, and are no longer trustworthy. I was recently denied a property insurance claim after 2 months of investigation. Investigators consistently asked questions designed to "catch me in a lie" and asked my boss similar questions (had 3 separate conversations with my manager during working hours). They continued to ask for more information until they finally found something that they could use to deny my claim, which took 2 months.

Called USAA to make payment on account. Raymond was rude, was not helpful in allowing me to make a payment to USAA. Fortune 500 companies need to find a better way in assisting customers in making payments to their companies instead of making people jump through hoops. I Called back, Jenny was extremely helpful and gave me the information I needed. Please work on your customer service USAA and RAYMOND!

Updated on 04/24/2019: I wrote a report earlier about this issue. We have been denied coverage. USAA sent out there vendor Keystone Engineering to our home to determine the "cause" of the damage to our home. Mind you the contractor's estimate was just 10K and have no idea how much USAA spent on this so called forensic engineer to find out how the damage occurred.

Last year, I had a homeowners loss, not a large claim in any manner. They insisted on using their vendors -some miles away- from my town. Could not understand why this vendor, since my town is large and has many licensed contractors and homeowners repair professionals. Anyway, after months, USAA came up with some off the wall price and they sent their estimate and check to their vendor!

I've had USAA for upwards of 20 plus years. My father before me had USAA as well. I've never had problem with Auto Claims for a few dings and glass replacement with no issues. USAA is not the cheapest around and I always came to believe it was because they were the best in handling claims and would pay fairly when trouble strikes. I am currently in my first property claim caused by the failure of our RO system under the sink. The resulting flood affected 5 rooms. By the time ServPro finished with their scorched earth mitigation, I have lost 65% of my base cabinets along with the granite countertops. I am in my 7th week since the event and still have no estimate. I've asked very little from USAA and to date only received about $2000 for 8 weeks to compensate for groceries and a few meals out.

My first claim ever and it's been weeks, I get the runaround, claims denial and more questions. I should have known better when I started to see all those advertisements. Just another crappy screw the customer insurance company. I have paid them probably 50X the $$$ in what the claim was for. If I could give them 0 stars I would. But this site won't let me.

This company charged us for a house we didn't own and offered to provide a 30% return on the money that was charged in error. After the issue was addressed we received another notice to ignore the termination and that they were reinstating the policy again? There are obvious errors on their end without any willingness to correct their mistakes. This is not the first issue with USAA. Integrity is clearly missing and now we must pay an attorney to try to make a company have ethical standards.

My husband and I have our homeowner's with them and they have turned us down for ROT in our home. We pay our payment every month ON TIME! They said they don't cover rot! My husband has been loyal to them for over 25 years but I guess LOYALTY means nothing with them anymore. It's ok. We will move our insurance elsewhere even if it cost more. USAA is not for their members anymore. They are all about the mighty DOLLAR & NOT taking care of their members. I am so ashamed to have spent as long as we have with them! They are NOT the same as they were 5 years ago! We have had 1 claim between HOMEOWNER'S & AUTO in 25 YEARS & this is how you do your members! Going shopping for better companies!

I filed a claim in October for leaks in my roof that stained the ceiling in three separate locations. USAA recommended a "preferred" provider in my area. I had the provider take a look at the interior and roof of my home. They told me I had hail damage and needed a full roof replacement. They took pictures, submitted evidence and waited... and waited... and waited... January came, still no response from USAA (I had called and left several messages at this point, the provider had as well). I called the main office and asked to speak to a supervisor, and they finally responded to the work request and asked for more photos. The provider sent the roofer back out to take more pictures and resubmitted them. Two more weeks go by, nothing. Mind you I have called every other day only to get a voicemail. I call the main office again, and they tell me they need to send out an engineer, fine, whatever, fix my freaking house already.

I realize that the bulk of these complaints relate to the terrible way USAA handle auto claims. However, my experience goes beyond that. I have been a member for 17 years. I have had auto, homeowners policies, as well as savings, checking and credit card accounts with them as well. I currently have homeowners insurance with them that keeps increasing astronomically. I'm in the process of obtaining my insurance elsewhere. It really upsets me to see how USAA have mistreated the military community under the guise that they care. To my military family, please wake up, stop being complacent and stop being used and disrespected by USAA! Take your business elsewhere! You are just being used for their bottom line... PROFIT!

Our house caught fire in March 2018. We have been fighting with USAA ever since to reach a settlement and get our home rebuilt. Immediately after the fire, the adjusters came and made us feel that they would be helping. Instead, they offered a ridiculously low figure and disappeared. It became our problem to figure out the total damage and propose an appropriate amount. After nearly 12 months, the settlement number we have reached with them is nearly 3X their initial offer. We're still struggling to get them to pay that amount.

I don't know what happened to this company. They used to be extremely helpful and had excellent customer service so I decided based on past experience to do a bundle deal on Homeowners, Windstorm and Auto Insurance. I also opened a checking account ready to change my direct deposit to go into the account. I was told before my insurance can start there are documents that I needed to sign. They told me to log in and sign. I have tried and tried. My account is locked. I called tech support and it was reset. As soon as I logged in it locked again. I have spent hours and hours talking to these people and each one tells me the problem is corrected but it's not. I call and call and they tell me they can't prove my identity. They ask for information of my driver's license. I look straight at it and answer all their questions which every time is a waste of my time because they say I am wrong. Then they hang up on me now.

We filed a claim in August 2018 for water damage from a burst furnace/hot water heater pipe. They changed their reason for not honoring our claim 5 times. They are disorganized, un-businesslike and rude. Their marketing is bogus. I understand that USAA this was once an excellent firm - not anymore as far as I'm concerned. We're going back to Safeco.

USAA waves the Red White & Blue. That is their marketing ploy. The representatives that answer the phone are all very pleasant and make you feel special. Don't be fooled like we were. They make you feel wonderful right up until the time you have a claim. When it comes to paying claims they are horrible. We had an auto claim that is now over 5 months old and they have still not paid for the loss. We had a homeowners claim that is now over 5 months old and they have not paid that either. Worst insurance company we've ever had. Luckily were in a financial position that we can afford an attorney to pursue USAA and are doing so.

I had a claim on my garage door. They lowballed me. I submitted another estimate and they went even lower??? Nearly 1K lower than either estimate. I have never had a more frustrating experience or felt like I was being cheated when I put in a claim with any other company...and I'm 62. I'm going back to Allstate where they value their customers and don't rip you off. They are not worth using.

We are former customers of USAA and sang their praises until we filed a claim. Before the claim, whenever we called in with questions, the reps were always very friendly and helpful. But when it comes to honoring what they say over the phone all bets are off. Most calls are not recorded so it will be your word against the rep's word and USAA will always side with the rep. We were told that items were covered over the phone that truly weren't in our policy. We were never sent the full policy (only the summary pages) so make sure you request it and comb through it carefully (every other company will send you a copy of the full policy). We had a huge service failure that made it to the CEO's office. In the end they sided with the rep. (Why would she admit to a mistake when the call was never recorded?) They wouldn't even take the blame for never sending us a copy of the policy. (How is that not illegal?)

I am still waiting for a simple water damage claim to be paid over 4 months from the incident. My home is unsafe for my young children. USAA has poor communication and does not seem to care. They have left me without a functioning kitchen. It is hazardous to my family. I have done everything on my end. They don't want to pay for my damage or care that my family is unsafe. They do not treat veterans or their families respectfully. Don't waste your money, it is not worth it.

I've been a member for 14 years and made a mistake in getting a home mortgage with them. They have paid the wrong property tax and now homeowner's insurance. Mismanagement of escrow funds and negligence. I'm fed up and looking to take legal action.

If you ask them if something is covered by your homeowner's policy, they'll force you to submit a claim to get an answer. Then, even if you abandon the claim, they'll report it to all the insurance claim history aggregators, causing you endless problems and extra cost any time you go to buy insurance in the future. Even though the claim was abandoned and they never paid out a cent.

I had hail damage to my house a few years ago. It was only a few months after switching my homeowner's insurance to USAA. They answered the phone promptly, were very professional, and streamlined the process, and paid for the damage. A few of my neighbors had trouble with other insurance companies paying for their damage. I did not. So, if they are a little more expensive than some of the other insurance companies, you get what you pay for. As far as the complaints on this website, if I have a problem with USAA, I will be back on this website with a complaint. Until then, I will remain their customer.

My husband and I have been members and customers of USAA for over 10 years, we have had to file our first homeowner insurance claim and could not be more disappointed in our experience or with USAA. We were hit by a terrible hail storm in June 2018. Terrible damage to our property, vehicles, and community. We called and filed a claim and it went downhill from there. The adjuster they sent out didn't spend more than 15-20 minutes at our home. He missed a tremendous amount of damage! I called USAA and told them this and they said "Don't be alarmed, anything missed just have your contractor submit supplemental bids and we will take care of it." Following my complaint I was called by a man that worked for quality at USAA, he came out and spent 2+ hrs at my home. He advised me that he was not an adjuster, but all his notes and pics would be sent over to the original adjuster and it would be revised and approved. Yay!!! Or so I thought...

USAA is great for everything. Care about you and do it right. They provide great customer service and products, and they respond fast and efficiently. They have the best service for the cost than anyone, and never let you down. USAA is fabulous and dependable.

My husband has been with USAA for over 20 yrs. We had a hail storm in mid July, 2018 that totaled our roof. As responsible homeowners we replaced it right away. Early Aug we got hit with a second hail storm and totaled our new roof! USAA was great in adjusting everything and paid them out... Then they discontinued us! I'm so mad, so much for looking out for us. Now to get another insurance company (if you can after 2 claims in 2 months) they are double to triple the cost. What a scam or as we call it... ORGANIZED CRIME! My husband is moving all his accounts to ENT.

We really like USAA. They always call in a Natural Disaster. They are caring about their customers and making sure they are safe. They make sure we have all we need and that all claims are taken care of promptly. The price is reasonable and family members can be added at no cost. They have perk, apps, incentives, discounts etc. USAA has apps you can use to manage your account/accounts as well. Highly recommend USAA.

USAA is competent and flexible. This is the company used by most armed forces personnel when they can get it. They understand what it means to serve, which is their slogan and their way of doing business. They provide the best coverage at a reasonable price. They have the best customer service and are the most helpful when filing a claim and taking care of damages. However, I would change their policy of not covering folks in certain areas because of the state doing stupid stuff.

USAA is customer friendly and reliable. I have USAA insurance since purchasing my first house way back to the 1970's. The insurance costs a little more but service is outstanding. If you have something happen and call them you can be assured that they will send an adjuster at no time. No waiting for days. On many occasions they will issue you a check at that time. I have always been treated with the upmost courtesy and kindness by USAA. It would be nice however if coverage would be a little cheaper. Nowadays everything is so very expensive sometimes causing families not to carry the required coverage. Still, overall USAA is very convenient and the adjusters are informative and explain everything. You are also provided a computer printout of what was discussed and what the company is paying you for.

I have been a USAA customer for many years. I have said many wonderful things and have felt 100% supported, until now. I have been out of my home for 27 days due to a water leak from the unit above me. I filed a claim immediately, have done everything right and have been the one to initiate all communication and have had to fight daily to accomplish anything with this claim. They could easily take my deductible, which I am happy to pay, cover the claim and get me back into my home quickly and use their internal department to fight the other insurance company, which by the way, is the responsible party. It’s a simple fix that USAA is making very difficult. I have not been treated courteously, compassionately or respectfully. I have requested a change in claim staff and have yet to receive a call from anyone including a quality control department. I just continue to fight alone while being displaced out of my home. I am so very disappointed in USAA.

We have been members for almost 25 years and we have had major issues with our home and I SAW has denied everything every time. We have water that came in our basement (minimal). They said they will not cover it. We have a leak from our flashing causing our floor hoist to start rotting away. They said they will not cover. Do they cover anything?? We have been loyal but they have never been loyal to us. Their customer service department does not want to help. We were affected by hurricane Micheal and all the nasty representative would say is, "I know. We don't cover that." They are running a awful business and to not look after our Military members is very very upsetting! I think after 25 years it's time to go looking. I would not recommend them to a DOG! BEWARE OF THIS COMPANY. IF YOU FILE A CLAIM 8 TIMES OUT OF 10 THEY DENY IT!

Got my homeowners premium. It went up 12.5%. Last year was also a significant increase. Called them and asked why. They said because of rebuilding cost. They want to insure just my home for more than $60,000 than what new homes sell for in my neighborhood. No good answer from their rep. Goodbye USAA.

VETERANS BEWARE!!! I wouldn't give them a single star if that was an option. USAA Insurance - Despite the "WE CARE" About our Veterans - like me, present with their commercials we are all flooded with, when it comes time to file a claim in good faith, they will screw you, and basically call you a liar. 2 months ago, we had severe weather tear the roof off of my rental house, and had 2 additional events of rain and wind which destroyed the upper bedroom and all of its contents. I had a local handyman come and remove the destroyed bed, bedding, dresser's, TV, electronics, carpet, etc. and haul it off as it was rain-soaked and filthy as the entire ceiling collapsed onto all of the room.

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.

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.

Oct. 2016, found a broken drain under the dishwasher. It had been leaking for quite some time, subfloor damage, cabinet damage, wall damage and the wastewater had seeped into our dining room under the wood floors. USAA immediately stated that coverage for mildew and mold is not covered. I explained that it was actively leaking at the time of detection. They sent out an inspector, produced a 1500 dollar quote for the repairs, with the instruction to have a contractor come out and submit a quote for repair, $18,000+, as the countertop tile is not replaceable, the cabinets needed to be repaired, so now the entire kitchen is patchwork.

After filing a claim for storm ice and water damage to the roof of my insured home USAA denied the claim, sent an unqualified general contractor to inspect, and made excuses about how they are not responsible for water damage even though their inspector stated the damage was a result of water under the shingles. USAA informed me they would only pay for repainting of the wet interior ceiling drywall and that I should hire my own contractor to replace the roof. This is the second time USAA has refused to honor homeowner insurance for repair of water damages to my home. Their customer service is condescending, uninformed, cannot answer simple questions, and protects their contract inspector whose only role is to excuse USAA from paying a claim.

Two years ago USAA allowed a woman to charge 625 times on my 92 year old mother's account and write bad checks of $11,000.00 leaving a balance when she died of $16,000... total of $27,000. The woman who did it went to prison and USAA sent my dead mother a 1099 for "debt forgiveness" when she did not pay the $16,000, instead of the thief. I kept them informed throughout the entire legal process. Now because I was a complaining customer, they conveniently "LOST" my elevation certificate on my home after 25 years and my insurance, on a townhouse, which could not move, went from less than $600 to $6,000.00.

I am trying to finish a forced-kitchen renovation. During the entire time, USAA has been very helpful & professional in handling my claim & holding my hand. They have made a miserable experience more of an adventure although it is one I'd rather not repeat.

Had a lightning strike, with random damage to electronics and wiring throughout house. USAA handled this claim thoroughly and respectfully throughout the process. I have literally nothing to add, they were flawless in customer care, information, processing times and payments for repair or replacements.

Our home in September of 2016 suffered major water damage when our area received 15 inches of rain in a very short period of time causing our bathroom ceiling to collapse and water damage to other areas of our home as well. USAA was contacted and a contractor came and did emergency repairs which left our bathroom ceiling removed. We were assigned a preferred contractor by USAA that came and submitted what work need to be done to affect repairs to USAA Shortly thereafter hurricane Matthew came through our area and caused additional water damage. We were in constant contact with USAA and the contractor trying to get our house repaired and basically nothing happened, one excuse after another.

Don’t die if you have any accounts (investment, banking, credit card, insurance) with USAA because if you do your beneficiaries may be put through hell dealing with a myriad of inept customer service agents to be able to manage your assets, based on my recent experiences. In my case my family actually spent money and effort to prepare for the death of my father by creating a family trust and maintaining all the assets in the name of the trust. Most financially savvy people would think that the family trust would make the transition from having two trustees (my mother and father) to having one trustee greatly simplified, but my experience with USAA has not shown this to be a fact with them.

USAA abandoned me and my 100% service connected disabled spouse when we moved into our temporary residence in Atlanta, Georgia after selling our beautiful home in VA. As we landed in GA and arrived at our new place... a flood occurred the day we landed in GA. We walked in the residence and there was a huge flood. All that we owned sitting on the floor waiting for us to arrive was saturated with sewage. Whole piece of feces, urine and a stench that was unbearable. We called USAA insurance company, left several messages and all of my belongings were sitting in the sewage and we initially had an adjuster who was on the phone and happened to see the news video of us being interviewed by Channel 2 news. He immediately put us in a hotel and gave us a few initial payments. Then we got a call from some other adjuster telling us to leave the hotel and we were abandoned ever since.

We have had USAA for about 10 years. We switched from GEICO even though the rates were higher particularly the homeowners because the coverage was better and met our needs a little bit better. That coverage is good for nothing if you can't utilize it when you need it. That is precisely what happened. I've never had a claim in my life and our basement was robbed while we were home and the police did a pretty thorough investigation but they didn't catch the criminal or anything. The biggest thing that was stolen were about 30 to 40 containers full of all of my winter clothes shoes and purses. Literally everything for winter that was mine was in those containers. Some of my clothes and I would say maybe one out of every five pieces were expensive designer and well taken care of or new with tags or near new condition. I also had about 10 expensive bags and all of my boots and shoes which were about 60 pairs.

We made one claim and it was handled quickly and USAA Homeowners gave us some good advice on how to stop another. We get a rebate every year in December. Also, we are family like we were in the US army.

I am building a new home and need builder's insurance. Called USAA to inquirer on a quote, unfortunately was denied a new policy because I have too many claims. Hmmm let see... claims on rental properties which were for weather damages and water damages on residence because of plumbing issues. All claims were legitimate. So basically, I am denied a new policy because I used the one I was paying into. Wow... why remain a member? Time to be in better hands.

April of this year was a horrible month. We had a bad hailstorm in which I filed a hail damage claim to my house. The first time adjusters came out, there were three of them and the supervisor basically stated they were not going to cover this roof due to the expense of the roof. I have had to fight tooth and nail with about decking, radiate barrier. This has been the worst experience. Then to top it off I have been paying over 140 a month for the past 15 for my expensive jewelry. I had $70,000 worth of jewelry stolen. They had investigator come to my house and treat me like a criminal. Since then they still stammering to pay for items. What is the purpose of an appraisal when they don't follow it. Who know in the end how much I'll come up with. The company totally disgusts me. Over the last 15 years they have turned from great insurance company to just plain money grubbing corporation who cares nothing for the people they work with.

No problems while I am paying my bills and not making a claim. Once you make a claim, they drag their feet forever and you have to fight them every step of the way to get paid. My main claims adjuster and his boss well so rude. I was on the phone every other day trying to get them to do their job. You think at a time when you are most stressed out because you have to move your family out of your house and into temporary housing, they would be responsive. Nope. Zero ** empathy.

I've been a USAA member for 17 years and used to love the company but now I hate them. They used to be a company committed to serving the military community and veterans and now they exist solely to screw you. While I was in the hospital recuperating from a gunshot wound, someone vandalized and burglarized my house which has been insured with USAA for 17 years with no claims. USAA has jerked me around for two years, always requesting more information and never returning phone calls and finally told me they refused to pay anything. I have lost a lifetime of memorabilia and expensive items. Every time I see one of their commercials about a member for life it makes me want to vomit... Do not trust USAA!

I have been with USAA since I joined the military. Started with just insurance and then recently got banking services. I had a claim one day after changing my property insurance over and it was a nightmare. After filing the claim and being contacted by a "investigator" I knew something was not right. I sent in pictures and all information required BUT because I couldn't meet with her my claim was never processed.

I have been a loyal customer of USAA for nearly 20 years. USAA claims to support the military family, but in actuality they are assisting in killing mine. I'm a hundred percent disabled veteran with two children. USAA has failed to take responsibility of their preferred contractor. USAA has a contract with contractor connections, and together they claim that they guarantee the work of their preferred contractors for 3 years. Which is not the case at all. I have taken this matter all the way to the office of the CEO of USAA, and they refused to assist in this matter. I paid my premium on time every month for the last 20 years. Now they refuse to assist me.

A few weeks ago a storm ripped off chunks of my roof, letting water in and flooding my upstairs master bedroom and downstairs bedroom. When the adjuster finally came out 3-4 days later, and then told my wife (I work on the road) that the holes in my roof would not be covered and that particle board was more than sufficient repairs. Absolutely ZERO communication from our rep. Treated rudely like I was bothering them when I called. Just find out what was going on. On top of the "sufficient repairs" the contractor did it also rains inside my house now! What joy! I am receiving 1000 dollars to refloor, reroof and reinsulate my home. Thanks USAA. You're the best!!!

As with so many of the other complaints on this page, I have been a loyal USAA member since I was 16. I am now 50. I have had two claims on my insurance both happen to be this year. The first resulted in the company that USAA sent to my home recommending a new roof for my home. After approximately, 2 months and 3 more visits from people USAA sent the claim was denied. During this time another problem occurred that I was told not to tie to the original claim but to start a new claim. It took a month for them to deny this claim.

If you listen to their commercials or talk to their customer service, you'll get the impression that USAA is all about their customers and serving the veteran and/or active duty member. But when it comes to insuring your home in Florida, USAA doesn't care if you're an active service member, veteran or retiree... they're going to jack up your rates to make you drop them as an insurance carrier.

I was renting a house in Colorado going on three years. The illegal aliens that my landlord hired in November to roof the house in November turned into a fiasco. After the roofers destroyed the electrical lines by mistake and hiding it caused me to make a claim for coverage. I was told by USAA to allow the landlord in the house without me being there or a representative there at the house or they would not cover my losses. After I contacted a Kathy ** (a director) they assumed a limited; and be it known, a limited liability and issued a check for hotel expenses and it took an Act of Congress.

I felt the need to write a review concerning USAA. They are always advertising how great they are. Had one claim last year with home insurance. No communication whatsoever with me after writing them twenty times. I hired a public adjuster still couldn't get a call back. After 9 months they informed us out of 75000 they will give us 10000. So I am suing them. I have every piece of documentation they need but they didn't follow thru with anything. They said because I bought the things with business checks which they knew the first day when they received the documentations and it's my business. I can buy with any checks I want.

I switched from State Farm of 40 years because I relocated to Florida and thought this would be a good time to switch to USAA. This has been a horrible mistake. I have water leaking into my house around lights and speakers and it has been 15 days since I have made a claim. Now they are stating that they will only cover the interior drywall repair and will not cover the roof repair. I just bought this house in Dec. 16 and the leak just started after a huge rain storm a couple of weeks ago and the home is only 9 years old. This does not make a lot of sense since there has not been a leak since I purchased the house.

My husband and I have been insured by USAA for over 40 years. Our homeowners' insurance rebuild cost has been $680,000 for the last several years. This year when our renewal policy arrived, we received a letter from USAA telling us they were now using Xactware to estimate rebuild cost, and based on their program, our rebuild cost would be $486,000. Our building is continuing to build in our community and homes like ours are selling in the high $800,000 to $900,000 so we know that our home cannot be duplicated for less than $680,000. We asked USAA to show us an explanation for our prior rebuild cost and their new estimated rebuild cost so they sent a representative from a company, Mueller, to look at our home, take photos and provide them a report.

I have been a member of USAA for 56 years. During that time I used my home insurance twice. I called today to discuss roof damage due to high winds. I was treated very rudely by an extremely condescending woman who interrupted me constantly. It was clear she had no desire to help me, she just wanted off the phone as soon as possible. For a company that advertises service to the military and their families I am shocked by the duplicity. After a lifetime, I am now looking for a different insurance company. They clearly have no regard for long term policy holders.

Great for deposit accounts, bad for insurance. My wife and I have been with USAA for many years with their banking products and loved them, so when we bought our house we naturally chose them as our insurance company. Needless to say, that seems to have been a mistake. Our roof was damaged over the winter due the massive wind storms we had, so we got ahold of a contractor who told us our whole roof should be replaced. The bulk of the damage was in one area, but there was minor damage across the whole roof that could lead to bigger problems later.

I have had USAA renter/homeowner insurance since 1992 and would definitely recommend USAA. I've filed a handful of claims and they were always handled professionally. Each time they paid the claim in a timely matter.

I've been a customer of USAA for 35 years. I sold my condo in October, 2016 and put all of my furniture and items in storage for 4 months. When I sold my condo I contacted USAA and explained my items would be in storage until I bought and renovated the place I was buying. On November 8th, 2016 I bought a townhouse. I contacted USAA for homeowners insurance but also told them my furniture and personal belongings would be in storage indefinitely. The moving company required that everything in storage be covered by insurance. I trusted that USAA had provided me with the correct insurance to cover both my townhouse but my items in storage. On February 1st, 2017 I physically had my items from storage moved to my new residence. Unfortunately there were a number of items broken and not delivered. The moving company had 120 days per their contract to find my items.

I have been in the military for 10 years. I have had Navy's Federal for insurance and USAA for banking. I wanted to keep all my services together before I got out. I switched to USAA Valuable and Renters Insurance and two days later my home was broken into. A few minor things were taken, but it was still my items. I made a claim for two televisions, a watch and a fire stick. That's all.

I've been with USAA for insurance for over 26 years - starting as a second lieutenant in the US Army. I have seen the steady decline in their support to customers, ending with my recent homeowner claim. Much of my roof was damaged over the winter to the point of leaking. I filed a claim and scheduled the repair. USAA only wants to do things electronically and their electronic systems all suck. After remaining silent for over a month, despite multiple attempts to get a live agent on the phone, I got the electronic notification from USAA that they would not pay the claim. If you are a young service member - do NOT BUY USAA's hype. They do not support you any better than another insurance company... They are frauds.

We had a great experience with it USAA Homeowners claim. Our water heater busted and flooded our whole bottom floor. The water mitigation (removal of water damage) was handled quickly and the build back was processed quickly as well. We had hardwood floors, carpet padding, kitchen cabinetry and more... All sorted in 3 weeks. Thank you so much!!!

In Oct. '64, I began driving (on my father's USAA policy). When I was commissioned in 1970, I followed in my father's footsteps - I choose USAA. For the next 47 years, I was bombarded by USAA's incessant advertising. Basically the gist was always the same - "Don't worry soldier - wherever you are, we will ALWAYS protect you!!" I always believed their story. Then 2 weeks ago, all hell broke loose in our lives. We are now retired, and have been living in our brand new home for 18 months. An overhead, 400-pound wooden beam snapped loose. The only thing keeping it from crashing to the floor (and killing us) was a single sheet of sheetrock. I immediately filed a claim with USAA. Long story short - the claim WAS REJECTED!! "Sorry, sir - your accident was a result of shoddy workmanship, BY THE BUILDER. We comply with NM law - the blame rests with the builder. You might try going through your builder."

I have used USAA for over 10 years. They are always helpful and very knowledgeable. Their customer service is awesome. I have used one other insurance company and was not as pleased.

I was hopeful that if the time ever came that I needed to file a claim from my homeowners policy that USAA would take care of me under difficult circumstances. This was not the case. I had water damage that had started before I purchased the home in a upstairs bathroom but only became aware of it when it leaked through my ceiling below. My claim was denied with very little assistance and an incorrect observation from the adjuster. I'm highly disappointed that after paying in the neighborhood of $35,000 dollars year to date on this policy that this is what it comes to. Enjoy the free cash. No wonder insurance company CEO's are some of the highest paid.

I had a serious windstorm loss to roof claim and USAA not only processed the claim quickly but allowed for an improvement to chimney flashing. Excellent!