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  • Report:  #1900

Complaint Review: USAA - San Antonio Texas

Reported By:
- Oakland, nj,
Submitted:
Fri, March 31, 2000
Updated:
Tue, December 04, 2007

USAA
9800 Fredericksburg Rd. San Antonio, 78288-0001 Texas, U.S.A.
Phone:
1-800-531-8222
Web:
N/A
Categories:
Emergency Services

It's been 6 months since Hurricane Floyd hit New Jersey. My house was under water, and I'm still fighting with USAA Insurance of San Antonio, Texas, about what is covered under my flood insurance. (I haven't received a penny for the structure of the dwelling that was damaged.)

With about 1 foot of water in the house, they will include some doors, but not others (claiming that they open and close). There were toxins in the flood waters!

They won't include my front or back entrances because they "saw no debris" when they RE-inspected the house 5 months later. Duh, boys! Would you live for 5 months with crud on your steps??!

I could go on, but what bothers me is that I'm just a little homeowner, and I've caught some omissions and errors already. But this is my first house, and my first flood. I'm not an expert, so I have no idea what else should be included, and if the pricing is correct.

All winter long, all I could do to correct the damage to my home is to spray the floors and walls once a week with straight bleach to keep mold and mildew from growing. (And I have animals who have been getting sick to boot. Not to mention strange rashes on myself.)

I need help. I'm being ripped off, I'm sure, but don't know how to battle the big-bad-insurance company.



20 Updates & Rebuttals

Nathar

Gulf Breeze,
Florida,
U.S.A.
No company is perfect, USAA is as close as they get.

#2Consumer Comment

Tue, December 04, 2007

I've been a USAA member since about 1984. I've filed claims over the years for various losses: car was totalled in accident caused by another driver; I was given way more than book value for my car ($1600 versus $700 book value). House was burglarized; I was given credit for every stolen item I listed, even though I didn't have documentation on many of the items (I guess a Marine officer's word is good to them). Settlement for Hurricane Ivan damage to my privacy fence/roof was way more than I expected (helped pay for a swimming pool because I did all the repairs myself). This is a good company that is continually ranked #1 or #2 in customer service. Sure, they get it wrong once in awhile, but I saw how they took care of their customers after Hurricane Ivan because I did alot of the rebuilding work. Almost everyone I encountered who was a USAA member was very happy with the company. My homeowner's premium has more than doubled in the past five years, but I'm still exceedingly fortunate compared to others I know. I'm paying $1200 per year for my hurricane/other perils coverage whereas other companies are cancelling policies or charging THOUSANDS more for the same coverage. I live in Florida, BTW. Get that drywall and wet insulation out of you house, ASAP! Good luck.


Nathar

Gulf Breeze,
Florida,
U.S.A.
No company is perfect, USAA is as close as they get.

#3Consumer Comment

Tue, December 04, 2007

I've been a USAA member since about 1984. I've filed claims over the years for various losses: car was totalled in accident caused by another driver; I was given way more than book value for my car ($1600 versus $700 book value). House was burglarized; I was given credit for every stolen item I listed, even though I didn't have documentation on many of the items (I guess a Marine officer's word is good to them). Settlement for Hurricane Ivan damage to my privacy fence/roof was way more than I expected (helped pay for a swimming pool because I did all the repairs myself). This is a good company that is continually ranked #1 or #2 in customer service. Sure, they get it wrong once in awhile, but I saw how they took care of their customers after Hurricane Ivan because I did alot of the rebuilding work. Almost everyone I encountered who was a USAA member was very happy with the company. My homeowner's premium has more than doubled in the past five years, but I'm still exceedingly fortunate compared to others I know. I'm paying $1200 per year for my hurricane/other perils coverage whereas other companies are cancelling policies or charging THOUSANDS more for the same coverage. I live in Florida, BTW. Get that drywall and wet insulation out of you house, ASAP! Good luck.


Nathar

Gulf Breeze,
Florida,
U.S.A.
No company is perfect, USAA is as close as they get.

#4Consumer Comment

Tue, December 04, 2007

I've been a USAA member since about 1984. I've filed claims over the years for various losses: car was totalled in accident caused by another driver; I was given way more than book value for my car ($1600 versus $700 book value). House was burglarized; I was given credit for every stolen item I listed, even though I didn't have documentation on many of the items (I guess a Marine officer's word is good to them). Settlement for Hurricane Ivan damage to my privacy fence/roof was way more than I expected (helped pay for a swimming pool because I did all the repairs myself). This is a good company that is continually ranked #1 or #2 in customer service. Sure, they get it wrong once in awhile, but I saw how they took care of their customers after Hurricane Ivan because I did alot of the rebuilding work. Almost everyone I encountered who was a USAA member was very happy with the company. My homeowner's premium has more than doubled in the past five years, but I'm still exceedingly fortunate compared to others I know. I'm paying $1200 per year for my hurricane/other perils coverage whereas other companies are cancelling policies or charging THOUSANDS more for the same coverage. I live in Florida, BTW. Get that drywall and wet insulation out of you house, ASAP! Good luck.


Nathar

Gulf Breeze,
Florida,
U.S.A.
No company is perfect, USAA is as close as they get.

#5Consumer Comment

Tue, December 04, 2007

I've been a USAA member since about 1984. I've filed claims over the years for various losses: car was totalled in accident caused by another driver; I was given way more than book value for my car ($1600 versus $700 book value). House was burglarized; I was given credit for every stolen item I listed, even though I didn't have documentation on many of the items (I guess a Marine officer's word is good to them). Settlement for Hurricane Ivan damage to my privacy fence/roof was way more than I expected (helped pay for a swimming pool because I did all the repairs myself). This is a good company that is continually ranked #1 or #2 in customer service. Sure, they get it wrong once in awhile, but I saw how they took care of their customers after Hurricane Ivan because I did alot of the rebuilding work. Almost everyone I encountered who was a USAA member was very happy with the company. My homeowner's premium has more than doubled in the past five years, but I'm still exceedingly fortunate compared to others I know. I'm paying $1200 per year for my hurricane/other perils coverage whereas other companies are cancelling policies or charging THOUSANDS more for the same coverage. I live in Florida, BTW. Get that drywall and wet insulation out of you house, ASAP! Good luck.


Emily

San Antonio,
Texas,
U.S.A.
Flood Coverage Under Renter not Homeowners

#6Consumer Suggestion

Thu, July 06, 2006

I'd like to caution consumers with USAA insurance. Flood is usually a concern surrounding Dwelling coverage. USAA's Renters Insurance policy provides coverage for the peril of flood. With regard to a residence owned by the policy holder, they will likely offer a Fire or Homeowner policy in which case, flood is not covered by the policy. USAA has permission to write Flood policies thru it's General Agency. They have an alliance with FEMA. The neat feature of flood insurance is that FEMA sets the rate so, there's no need to shop for better rates. It should be the same everywhere, if it's not, then the coverage is different.


Roger

San Antonio,
Texas,
U.S.A.
response to the allegations of USAA involvement in class action suit

#7Consumer Comment

Tue, December 14, 2004

Well, Steve in Oxford Maryland, I went and read your websites you listed and nowhere does it mention USAA's involvement in a class action lawsuit. Nice try, but give us some definites rather than heresay and speculation. You sound convincing but your evidence doesn't hold up. Try to be more vague next time. As a USAA insuree I've found their service and integrity impeccable. Payments made on time and enough to make me whole. That is truly all I expect out of an insurance company. If you want to make money off your insurance company you're insuring your property for the wrong reason.


Jennifer

Denver,
Colorado,
U.S.A.
I have never heard anything bad about USAA

#8Consumer Comment

Mon, November 29, 2004

I use USAA and I have had nothing but the best service. Also flood insurance is included at no extra charge on my policy (just received an update recently) I was actually surprised to notice. Not many companies provide insurance against flood, fire, hail, robbery etc all inclusive the way USAA does. You usually have to purchase separate additional insurance. Not to mention the rebate! Anytime I call I can ask as many questions and I want, get transferred to anyone I want almost immediately. It's the only company I know that will go over in detail every fawcet of your policy with you over the phone and what each thing means for you. They never hurry to get me off the phone or say that they can't help me. Also they are the best value for the money- If another agency calls you and you say you have USAa they stop trying to sell you anything because they will usually freely admit they can't been USAA. You should call them and have them explain everything to you, I'm sure they will be happy too.


Steve

Oxford,
Maryland,
U.S.A.
Flood Insurance Facts - Underlying Cause of Problems

#9Consumer Suggestion

Sun, November 28, 2004

USAA is a defendant in a class action law suit whereby flood victims allege they were offered pennies on the dollar for claims, pressured to sign proof of loss forms and wrongly denied coverage. Earlier this week the former Federal Insurance Administrator and Texas Insurance Commissioner stated if the allegations are proven, "fraud may have occurred on a large scale". To learn the underlying causes of the problems, view the documents or related video, please go to www.femainfo.us Federal Insurance Administrator Info can viewed at www.femainfo.us/significant_correspondence_Hunter_111804.shtml Big picture TV Network News video can be viewed at www.femainfo.us/Multimedia_TV_Network_News_Wink_091304.shtml and www.femainfo.us/Multimedia_TV_Network_News_Wink_111604.shtml


Larissa

Ocean Springs,
Mississippi,
U.S.A.
Criminal Enterprise???

#10Consumer Comment

Fri, November 12, 2004

Contrary to "Robert's" accusation that USAA assembled people to spout praises for them, I was NOT contacted by anyone to say that USAA is a wonderful company. I have dealt with several insurance companies over the years, but since joining the military 9 years ago, have never been happier with an insurance company than I am with USAA. No one has harassed me when I've made a claim--in fact, I wish they'd investigate MORE. I've been reimbursed for damages/expenses/losses with NO QUESTIONS ASKED. A criminal enterprise? Where is the proof? Sounds like a case of sour grapes to me. Or another idiotic French conspiracy theory.


Robert

Avignon, France,
Europe,
France
USAA is a criminal enterprise

#11Consumer Comment

Fri, November 12, 2004

USAA, and its "attorney-in-fact" Robert G. Davis do a first rate job of assembling a small platoon of shills to tout the "good experience" they have with USAA. But: the pure and simple fact of the matter is that Robert G. Davis operates a sophisticated criminal enterprise which abuses its so-called "members", terrorizes its employees, and sends out private investigators to intimidate policyholders who complain "too much".


Brian

Washington,
District of Columbia,
U.S.A.
USAA = Fantastic

#12Consumer Comment

Tue, November 09, 2004

I am a member of USAA, and do practically everything throught them: insurance, investment, credit cards, loans, etc. They have always provided outstanding service, and I'm glad to be a member.


Brian

Washington,
District of Columbia,
U.S.A.
USAA = Fantastic

#13Consumer Comment

Tue, November 09, 2004

I am a member of USAA, and do practically everything throught them: insurance, investment, credit cards, loans, etc. They have always provided outstanding service, and I'm glad to be a member.


Brian

Washington,
District of Columbia,
U.S.A.
USAA = Fantastic

#14Consumer Comment

Tue, November 09, 2004

I am a member of USAA, and do practically everything throught them: insurance, investment, credit cards, loans, etc. They have always provided outstanding service, and I'm glad to be a member.


Brian

Washington,
District of Columbia,
U.S.A.
USAA = Fantastic

#15Consumer Comment

Tue, November 09, 2004

I am a member of USAA, and do practically everything throught them: insurance, investment, credit cards, loans, etc. They have always provided outstanding service, and I'm glad to be a member.


D

VA BEACH,
Virginia,
U.S.A.
USAA is good to go

#16Consumer Comment

Fri, October 01, 2004

I think that USAA is the finest insurance outfit out there. Years ago, before joining the armed forces, I worked for a very good insurance company. I used to negotiate claims for our insureds with them, and they were the most up-front, professional folks I could deal with. Damaged caused by flooding is usually bold face excluded in a regular home owners policy. You can add a "rider" or endorsement for some very limited coverge. Most mortgage companies / banks will require the homeowner to purchase flood insurance from FEMA. That is where the major portion of flood losses are paid.


John

Las Vegas,
Nevada,
U.S.A.
No problems ever with USAA

#17Consumer Comment

Sat, September 25, 2004

I decided to type USAA in the search engine for ROR and was extremly surprised to see any reports. I have been a member of USAA since 1981 and have NEVER had a single problem with them. One year a home I still own in Oklahoma was damaged by a severe hail storm. I was stationed elsewhere and had not lived in the home for a while. USAA called me to let me know about the storm and that they were sending someone to survey the damage. I got called back in three days to be told the roof was damaged and a claim check was on its way to get the roof repaired. I doubt other companies would have done this for me without me first requesting it. Everytime I have had a problem or a question USAA quickly and professionally took care of the issue. I have seen in other reports about USAA sending a survey to update information. The people posting the report called it an invasion of their privacy. The items on this survey do affect the rates you will pay, thus they ask for updates. If you are not hiding something then I can't see why anyone is complaining about completing the form and sending it back in. Just my .02 cents worth. I, for one, will stay with USAA.


Larissa

Ocean Springs,
Mississippi,
U.S.A.
USAA Has Been Nothing But Wonderful. told by MWI Connections that we waited too long .

#18Consumer Comment

Mon, August 23, 2004

As a long-time member of USAA, I just want to say that while this person is perhaps having trouble, I have had nothing but GREAT experiences with them. Recently, I went through my own scam experience when MWI Connections charged my credit card after the number being taken from my account at Travelocity. We were told by MWI Connections that we waited too long to have the charges removed, but USAA removed all 4 months' worth of charges without question, and they've filed fraud charges against the offending company. USAA has been wonderful, and I can't imagine having a better insurance company.


A

Miami,
Florida,
U.S.A.
USAA Insurance Company

#19Consumer Comment

Mon, August 23, 2004

I feel soooooooo fortunate to be a member of USAA and to be able to be insured by them.(auto) I also have their credit cards, homeowners insurance and had a checking acct. It's been my experience over the 30 years that I've been a member that I am dealing with an extrordinary company . At one point, I got booted out for a period of 3 years because of 3 accidents within 6 months. They placed me with Progressive which was also delightful to deal with but I was soooooooooo happy to be taken back into their fold after this time. After Hurricane Andrew in Miami, '92 THEY CALLED ME! to see if they could be of assistance in any way and extremely quickly took care of all our insurance needs, this, in spite of the biiiig hit they took with military families at Homestead AFB who lost everything. They've been nothing but polite, friendly, genuinely symphathetic, and helpful to me in all my dealings with them and I cant say enough good about this fine orginization which to me always seems more like I'm dealing with friends than a company.


Charlotte

Reno,
Nevada,
U.S.A.
Tax Specialist

#20Consumer Comment

Thu, July 22, 2004

I have been a member of USAA for years. In 1990 when Reno flooded due to the warm rain on all the snow in the Sierra Nevada Mountains, I was caught in the flood. I was renting and had USAA renters insurance. They paid the claim promptly, had some items replaced directly to me and paid for all the others. Had absolutely no problems with the flood claim. I also lost a car in the flood. USAA offered one price, I countered with proof of upkeep and they gave more than the original offer to settle and get me a new car. USAA is great. The bank I deal with did not even put a hold on the USAA check, as they know it is a good company. I have never had a problem with USAA and can think that if you are having trouble, there must be something not right with your claim.


Aubury L.

Buena Vista,
Georgia,
U.S.A.
I have recieved nothing but exceptional service

#21Consumer Comment

Tue, October 21, 2003

As a USAA member since 1993, I have recieved nothing but exceptional service from USAA. This includes my homeowners insurance, automobile insurance for four automobiles and a bank loan and checking account. As with all insurance companies, USAA (and me, as a member) loses many thousands of dollars per year on "Cheaters". As far as we aree concerned, USAA is too liberal and easy in granting claims. I, as a member of USAA, am happy that USAA takes a hard line on some strange looking claims! The one guy, with the trailer broken into, really has some bad luck since everyone in the world is against him, including the police department....COME ON!! Just glad they aren't members anymore so I can start getting more of a rebate each year! Yes, USAA DOES pay rebates to certain members (those who are accident free) and we LOVE USAA.

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