USAA
Reviews and Complaints

I am utterly disgusted with USAA Mortgage Services. When I call for a status on my VA refinance, my processor barely can form a sentence in English and is also very rude. She will never return a call either. On 1 loan, this is my 4th processor assigned! None of them could speak very good english neither were they kind. Nothing against Mexican American people- however, in business, you need bright, articulate, knowledgeable staff that communicate kindly and effectively. I give up AND I also will be contacting Clark Howard to tell him my disgust! USAA Mortgage is based in San Antonio. I did some checking around and found that it is the policy of USAA Mortgage to hire and promote Mexican Americans over caucasian. Who gets hurt the blatent favortism like this? It is the Veteran! I am trying to warn everyone I can to stay away from them! In the name of "political correctness" they are hurting the customer and I am disgusted. Hmmm is it a coincidence that the CEO is a Mexican American as well? Joe Robles USAA Mortgage Services is Toxic and should be avoided.

US Bank knows nothing about service. When their employees do not wish to answer your question, they disconnect you.
Cannot wait to refinance my mortgage elsewhere.

USAA is not what it use to be! I truly don't believe the CEO down to customer service does not care anymore.

I wish I would have read these complaints before I went with USAA for mortgage re-fi. It has been the worse experience I have ever had with any organization. I have been a member for 43 years and I am about to change all of my accounts and money over to another bank. I felt that I was being treated like a criminal and I was the one who caused the banking crisis. I have been billed for items that I had already paid for and asked for information that they refused to take my word for. Since this organization has gone public for everyone to join, the service and quality has gone to hell. They have expanded to the point where they cannot hire enought quality people to handle customers in a respectful manner. I am sorry I have recommended USAA to friends. It used to be a great organization.

Ditto I could not agree more

There are so many things that are taken in to consideration when conducting an inspection for hail damage. What was the storm direction, is there collateral damage (to gutters, siding, soft metals, window screens, fins on an a/c unit, etc), what is the condition of the roof, are there trees providing shelter, etc? Many roofs do sustain minor hail damage and are considered repairable. Imagine you have a dent in your bumper. Would you expect your insurance company to total your car? Keep in mind that many carriers handle claims over the phone & don't inspect the house. They just tell their customer to get 3 estimates from roofers which indicate the cause of loss (hail in your instance). They usually just settle on the middle of the road estimate without inspecting it. And what roofer is going to say there is no damage or a roof can get fixed? They have a financial interest in replacing the entire roof...it's their bread & butter. Staff adjusters at insurance companies receive their paycheck whether they pay a claim or not. So, there is no financial motive there to not pay for a claim. Also, it is much, much easier to find damage and replace the roof vs. allowing for repairs or the loss is below the deductible and having to deal with an irate customer. Trust me, if an adjuster can find enough legitimate, honest hail damage, they will pay for the roof to be replaced. Unfortunately, insurance does not pay for things because they are old, worn out, reached the end of their intended life span, etc. Wear & tear, maintenance, deterioration, etc are standard, industry wide exclusions. So, it's not just a USAA thing.

1qaz@WSX I hope you are still checking this site. I would like to know how it worked out. I am having the same issue with USAA and I have been with them for over 20 years. I am definitely leaving them. Every house around me had hail damage. I can't understand how my house was spared. My roofer was appalled. I am disgusted. What else can be done?

Major hail storm in Bellbrook Ohio a few weeks ago. USAA told me"good news, you only have minor damage." Good news for them, but as I just had this roof put on last November I want a new roof... like everyone else on the block. The tennis-ball size hail trashed every gutter and down spout (plus 2 of my cars), but some how miraculously spared the roof. Their initial quote would not have covered the gutters. They are coming back out here to look at it again and suggested I have my roofer here to help explain/show them the damage. Not sure if the roofer will be free to accommodate, but I refuse to accept this non-sense from USAA. We'll see in the coming days/weeks how much trust I have in this company.

I'm going with the same. And leaving them after having been customer for over 28 years. Having all of our family members leave them too. The are not to be trusted, not to be thought of as knowledgeable or accurate, and certainly not to be known for having great customer service response. Sure they might answer the phone within minutes but keep at trying to get and answer and see if you ever get the same one or one at all.

I beg to differ Santa68. I'm presently going through the exact same issue with USAA. I've had two adjusters in the past year tell me that I have hail and wind damage, but USAA will not cover the replacement of my roof. USAA sent out their own adjuster, who did no more than climb to the edge of my roof and look at a small section. He claimed that my 13 year old homes roof was damaged due to normal wear-and-tear. There's no way that this is true, especially since I've had the two other adjusters (one adjuster actually works regularly with USAA) state that hail and wind damage is obvious. The first adjuster actually had me watch while he grab a 5 feet section of my shingles and lifted it off my roof, stating that wind damage had snapped my shingles in half all over the top of my house. I'm still fighting this issue with USAA and hopefully they'll do the right thing and replace my roof.

It sounds like they're saying you didn't have enough damage to warrant a replacement...that's different then refusing to pay the claim. Get a copy of the adjuster's report and find out why he/she denied the claim, if that's the case. And trust me, if USAA denied it then so would another company...they're the most honest people out there.

currently, my husband is trying to close on a house---using USAA as the lender---WHAT A BAD CHOICE! Things started off great---completed the application on line. Had the $50.00 deducted from his checking account for the application processing. Well, after he received the loan approval letter---things went from sugar to SH-T. The processor has only been in touch with him twice. He has called her numerous times---only for her not to return her call. The realtor has made numerous attempts to contact the processor---unsuccessful--till this day. Now--this process started on 23 February 2010 and it is 12 April 2010---the closing date is suppose to be 16 April 2010. Notice I said "Suppose"---my husband gets a call today---4 days before final closing and is told he no longer qualifies for the loan unless he pays off one of his debts at the tune of $5, 000. Now, my husband does have the finances to pay it off, but why do they wait until 4 days before closing to tell him this. This has been a real bad experience dealing with USAA buying his first home. I will never recommend USAA to anyone for a home loan. The processor was the worse---very limited communication--task never updated on the message board! By all means if you can please use a different bank for a home loan! Did I mention---my family has been with this bank for over 17 years.

If I were in your shoes I would make a D.O.I claim. They will take you very serious at that point. VERY serious!

Please report this to the BBB

They are a horrendous bank. They used to be good until they implemented all this "Pending" charges crap. Now, you look at your account, and it never went negative, but you get NSF fees. There are systems make it impossible to accurately track your spending and I'm taking my services to do a different bank and will recommend everyone I know to stear clear of these shady bankers.

I have USAA Auto insurance. When I had my accident in June 2011 I broke my knee cap. They covered all of my medical bills. I live in Colorado and in this state you have to turn down medical payments in writing or it is included in your insurance. Did you have medical coverage? I was not at fault in my accident and if I hadn't had medical coverage, I would have been covered by the at fault driver's insurance. Why didn't you make a claim against the other driver's insurance company or sue them for your medical expenses?

Why dont you make a DOI complaint if you are so upset. If they did something illegal you will win.

The same thing just happened with me and Discover Bank...Not worth the extra interest to go through all of this...Stick to a brink and mortar bank where you can actually go in and see someone.

This is Jeff and I'm part of USAA's social media team. I'm so sorry to hear about the inconvenience with your account. I realize this is from several months ago, but if we can do anything to help at this point, please send your member number and the phone number where you'd like to be reached to socialmedia@usaa.com.
Thank you.

USAA violates Virginia laws and engages in unfair claim settlement practices: Go to this website (http://www.usaa-claims.com )where you can read letters containing lies from USAA claims representatives and listen to voicemail messages from USAA claims representatives that also contain lies.

So you are saying that your jeweler is the only one who is actually honest? We all know the appraisals we get at purchase are inflated at least 200%. So yes your jeweler will tell you a higher price then the insurance company that can actually replace it for the real price. stop believing your jeweler, they work off commission.

Please report them to the BBB

One more thing... they should drug test more often. There is a long history of employees being fired due to selling drugs on the USAA campus and even then there were coworkers, in my group of 10, at least 8 stated they did some type of drugs. Why would they only drug test once (during hiring) in the many years I as there I don't know.

I used to work at USAA in the property damage department and have to let you known that it is in their very intention to not pay some claims. They have constant meetings about how to detect fraud, how to catch liars and deny claims, how to ask the right questions to verify if a member is hiding information and only just one a year or so... if the phones aren't too busy and they have the time to do it, about compasion. I work for a wonderful insurance company now whose number one concern is the members. Please take the time to look around because if you're having problems like this they don' t deserve your business. Even when I worked there I refused to have their insurance, sure its cheap but so is the service.

Glad to be out of USAA

Not only are they a horrible insurance carrier they really come close to crossing the line of hiring indentured servants. I worked at USAA for almost a year and they are definitely a modern day sweat shop. One thing in particular that drove me crazy was how they treated the India workers that contracted there. Those Indian workers are the hardest longest hour workers I have ever met. They did most of the grunt work and the American workers went to meetings all day and took credit for the Indian workers work. These workers are scared to death to say anything because they are afraid to lose their VISA's. One example an Indian worker had made vacation arrangements to go back and see his family in India because his sister was having a child. He had not been back to his country in over 2 years, and this trip was planned early and everyone at USAA was fully aware. About a week before he was scheduled to leave they forced him to cancel his vacation and gave him no alternative time to go. When I left the company he still was not able to go home. Most of the American people that worked there started working there right after college, their first job. Salaried individuals are required to work at least 20% overtime and you are constantly attached to the job by a phone that they require you carry with you at all times. Don't get me wrong, if someone is paying you to do a job, you should do the best you can, but if that business feels your job is more important than your family, then they can kiss your ###. I hope that one day the FBI uncovers the indentured servitude that USAA undoubtedly forces on these poor humans.

I agree. They are a horrible insurance carrier to have. I was the victim in my car accident and somehow I lost because the other party that was at fault hired an "accident reconstructionist" and changed his story around.
Before all of this happened, they were not returning my calls and helping with the situation. Then they turned their back on me. I thought that they were supposed to be our advocates? I had to hire an attorney to make sure that they were acting in good faith.

We feel your pain. We are going through almost exactly the same situation with USAA house insurance. We lost our house back in August 2007. They kept promising us and nothing came or no calls from them. They also later avoided our calls and did everything by letter. After almost 1 year after the house fire, they turned everything against us. We decided to take our issue to a Lawyer. Our Lawyer plans to sue them. He said that it may take 1 to 2 years. I don't care how long it takes, I ain't going to let them get away with dening us for something we didn't do. I suggest you do the same. Get a Lawyer. They will keep dragging you to nothing.

Sincerley,

Jenny from Texas.

Krystale,

My name is Tricia Phillip, and I'm part of USAA's social media team. I'm so sorry about the loss of your home. I can't imagine how difficult this past year has been for you and your family.

I've asked our claims department to review your file and contact you. So that we can reach you, please send your member number and the phone number where you'd like to be reached to socialmedia@usaa.com.

Tricia Phillip
USAA Social Media

OMG ... you all live my nightmare too! I thought I was all alone. I have been trying to get my home repaired since Jan 28, 2011. We ended up finding 3 types of toxic mold in the air and surfaces of our home. They sent us a contractor (ARS, Springfield, MA) that screwed with us for months then sent a sub-contractor. We questioned why the sub-contractor was taking "short cuts". Was told that ARS told them to. Had a meeting with David (adjustor at ARS - USAA just used his report instead of sending their own adjustor). David informed us that he "made a mimstake on the proposal and weren't going to do that." (with a check of $19, 277.00 sitting on his desk) WHAT?!?!?! BREACH OF CONTRACT! Contacted USAA told them what happened and the idiot on the phone asked me "Well, what do you want to do?" ARE YOU KIDDING ME?! I told them I wanted them out of my house immediately. It just goes on and on. I have gotten so ill the my heart has been affected, my lungs, memory, etc. Found out not only are we living with 3 types of toxic mold but I'm ALLERGIC to mold! Had to move me, my husband, our FIVE children and our large husky into my mother's 2 bedroom mobile home. Oh yeah! Been here since Jan 26, 2012. Unbelievable! We have an attorney but he is dragging his feet getting some 93A letters to ARS and USAA demanding settlement or something like that.

Declare your independence from USAA, if you currently have USAA insurance, schedule today as the day to change insurance carriers. Low rates are one thing, but if you don't anything for it, what's the point. You're just giving someone your money for nothing. You might as well just start giving that money to your local church and donating it. At least then you'd get something out of it.

USAA has several class-action law suits against them as well as many other policy holders who just don't have the money to file a law suit. You can still file a contingency based law-suit, if you can fine an attorney who is confident enough to win a case against a large insurance agency.

You can file a complaint with the NAIC and the state insurance bureau. If they receive enough complaints they will take action and may file a class-action lawsuit for everyone with the same issue within your state.

USAA demonstrates a tenacity to low-ball estimates and not pay what they should if anything at all. USAA is doing the same thing the insurance companies did when hurricanes hit Florida and Louisiana. Before you decide to ignore this message or any of the others before it, ask yourself if you are confident that USAA will pay your insurance claim or find a way around it. Considering all of the other posts regarding it...evidence quite clearly says they won't. Once a thief, always a thief. If they've done it to others, they'll do it to you too.

I've had USAA for over a decade and have had to file an auto claim and 2 home insurance claims in that time. The first when I was first starting to drive and hit an unmarked pothole, USAA declined to cover the damage to my vehicle stating it wasn't covered within the policy. I had full-coverage. In the past 2 years, we've had to file 2 home insurance claims on a home we purchased and had to PCS away from and have since rented out. Both instances, USAA has done nothing but cause delays. Our claims rep, Felicia Leggett is by far the worst. She seeks out whatever is in the best interest of USAA. Her manager, Terry Sauve is no different. She has requested 4 inspections to get the lowest possible estimate. And don't even get me started on Paul Davis Restoration, their go to contractor. They will give you the lowest possible estimate and do the least amount of work possible. it might look repaired, but it isn't. That probably goes for any other "preferred network provider" of USAA. Don't use them. On our previous claim, Paul Davis was brought in and only estimated $12, 000+ for the job. After they failed to do anything the 30 days following the removal of the water mitigation equipment, we chose our own contractor. This estimate came to almost $30, 000. USAA then wanted to bring in another adjustor, so I requested a 3rd party independent adjustor, IAS. Their estimate was pretty close to $30, 000. So that begs to ask whether or not USAA is doing anything morally or ethically right.

We are a military family, and I don't believe for a second that USAA's interests are to support military families. USAA's interests are greed and the bottom dollar. If you don't believe me, simply wait until you have to file a claim yourself. If you decide to stick with USAA, be forewarned and at the very least record every conversation and keep a record of every correspondence including dates.

USAA is highly noted for their UNFAIR TRADE PRACTICES and BAD FAITH.

Declare your independence form USAA today, or declare your stupidity.

Hey Jeff, you wrote 8 sentences, and in those 8 sentences you demonstrated to everyone the garbage attitude that your policy holders have to deal with. Reading your 8 sentences I'm willing to bet that you were hoping your boss was going to walk into work the next day, pat you on the back and hand you a raise. Have you ever seen the movie "The Secert Life of Walter Mitty"?

I've always said the best way to make these people or companies pay attention is to hit them where it hurts, THEIR WALLETS. If every policy holder they have were to threaten to change insurance companies at the same time what do you suppose would happen? They're not going to take the first 10 callers seriously or even the first 10, 000 but multiply the next 10, 000 by the next 10, 000 and see how fast they start picking up the phones next time you call with a problem. Think about it, would you much rather pay a few dollars in late fees or keep getting the same crappie service. Who knows you might even find an another insurance that you are really comfortable with and not one that waves the old RED, WHITE and BLUE in your face. How many of you have noticed that that seems to be the trick of the day now to sucker in clients and once they know they have you in so deep you can't see your way out, amnisa sets in and they can only remember what's in the fine print of their policy and not what you could swear came out of their mouth.

Jeff,
Have you ever had to file a complaint with USAA over the past 20 yrs? I bank with them, have auto insurance and homeowners ins. (on 2 houses) through them, purchased both of my houses through them, an equity loan AND my husband's a Navy Veteran. In 25 yrs of being a loyal customer (and referring others to them), I have placed 1 claim with them (homeowners) upon which they wanted to drop me. I had to BEG them to keep me, agreeing to up my deductible by double and drop my sump pump insurance. I now need them again and they are refusing to cover my rotting roof (due to the "perils" of snow and ice build up). All I can say to you is that I'm glad you're happy and I hope you never actually "need" to file a claim with them. BTW, I am a well-educated (4 yr college degree), middle class, American who trusts that when we pay good hard earned $ for a product a company should stand behind said product, and insurance IS a product.

I've worked with USAA over 20 years and they are hands down the best large company out there. Never a problem with any of their products or employees. Reading through these complaints it is obvious that the writers are not the most astute individuals with zero since of personal responsibility and no clue about how to deal with a company.

Their stories are unfortunate, but the accusations are ridiculous to the point of being absurd. For instance, blaming USAA for telling them the wrong location of the leak. USAA is not a home repair business. They are insurance, banking, investment company. Please people get a clue.

On July 3rd, 2009, I filed a complaint about USAA home owners insurance. I have not been on line to comment or to answer any questions that others have posted for me. To formerinsurancedjuster: I can only tell you of my experience. My home had been inspected by different insurance adjusters from USAA. The last adjustor after previous adjustors (who never told me) was the one who told me about the roof after there had been several storms and tornados over the years I lived there. To why the other adjustors did not tell me, is a question to them. However, when I talked to Teresa Raymond, Public Relations [protected], I'm not sure that's the same number for her), she was the one after the last adjustor and only adjustor, told me about the roof and she said that that information was internal documentation and that it "was privy" to USAA only and that they do not tell home owners how to maintain their home, they just tell them what they will and will not pay for. When she told me that the roof had been the source of the leaks and they had known that since the first adjustor came to our home over a year and a half ago when this started, it became quite apparent that what the other adjustors told me and what they filed with USAA was two different things. I was out raged. I asked her how can they not tell me what they found the first time around so repairs could have been made. However, they said nothing but to get over it and to move on with my life. None of the insurance adjustors as I recall gave me any paperwork, all information was verbal. As with the representatives, all instructions were verbal. There is a debate to rather the roof was as old as they claimed, I have had several different roofing companies at that time come to the house and they all said that the roof was not as old as USSA said it was (35 years old), and materials that was on my was not 35 years old and no roof would last that long. You see in Georgia, up until recently, roofers did not have to file for a permit with the city to repair your roof, and if it is not filed with the city then it appears that no work has ever been done according to their records. My home had been completely remolded and done by licensed contractors and approved by VA before we could even buy the home.
As to the origins of this horrific ordeal, I had said previously that we had had many bad storms and tornados in my area, which will cause damage and then some. They were never up front and wanted to save money at my family's expense. So, I am suing.
It is about the principle and because my spouse is still military, we have relocated. USAA attorney's scheduled a deposition for me in November 2010. After I spent money on tickets and was in Georgia, the USAA attorneys canceled. While there, because my immune system had been so affected by the mold, I caught a serious cold and became very ill after being in Georgia for only three days. My respiratory system started to shut down on me. I flew back home very ill and had to go to the hospital and was admitted immediately because I could not breathe. I am on two different inhalers, one with steroids, and have to take medications and precautions everyday due to the deterioration of my health. A simple cold will affect my breathing and left unattended my respitory problem becomes unreal. My breathing becomes shallow, my chest tightens up, I can't get enough air into my lungs, and I gasp for air to talk. My doctors just told me that my respitory problem is not under control and different actions have to be taken such as a nebulizer to expand my lungs when I'm not getting enough air. Going outside for six hours leaves me with a mild cold and then I have to stay in the house and nurse myself back to health. My husband when I'm sick stays up at nights to ensure I'm breathing, then he has to go to work and put in 15 or more hours at work as a SGM, and I know that he is tired and I worry about him. Who would have thought that mold can change your life and family's life forever. Each year I get older, the weaker my immune system becomes. My son who is young has had to be rushed to the hospital via ambulance for unknown origin of fever. So please provide me with some information to why they would not give me a report, why they would not inform me when they got the initial report in which they said was the roof, and why they kept telling me different things was the cause of why the house was flooding? We dumped a great deal of our own money chasing different adjustors’ ideas with what was wrong with the house. From air conditioning, to buying equipment they suggested, to plumbers, and replacing piping because it was thought it would help. So please give me some insight. Because I just don't understand why USAA did what they did or why? I did report them at the time to the insurance commissioner's office. However, they are pro insurance and the consumer's voice is never heard unless you scream at the top of your lungs, which I find very difficult to do due to shortness of breath. They never got back to me since I filed.

SO I SAY TO YOU ALL WHO HAVE DEALT WITH USAA OR DIFFERENT INSURANCE COMPANIES AND HAVE HAD SERIOUS SITUATIONS SUCH AS MINE DON'T END UP LIKE ME. FORCE THE ISSUE; GET IT IN WRITING, TAKE DOWN NAMES, PHONE NUMBERS, AND DATES AND TIMES CONVERSATIONS TAKE PLACE. THEY ARE LIKE ANY OTHER BUSINESS; THEIR PRESENCE HERE IS TO MAKE MONEY AND PROFIT, NO MATTER THE CONSEQUENCES. I'M NOT SAYING THAT ALL INSURANCE COMPANIES ARE BAD, BECAUSE EVERY COMPANY HAS THEIR COMPLAINTS. ALSO, HAD I NOT DOCUMENTED, GOT NAMES AND NUMBERS AND CONVERSATIONS DOWN, I WOULD NOT HAVE ANYTHING FOR MY ATTORNEYS TO FILE SUIT. BE CAREFUL; PROTECT YOUR FAMILY, YOUR HEALTH, AND YOUR ASSETS, ESPECIALLY YOUR CHILDREN; BECAUSE WE STILL DO NOT KNOW ALL THE LONG TERM SIDE AFFECTS THAT MY SON WILL CONTINUE TO EXPERIENCE THROUGHOUT HIS LIFE BECAUSE WE LIVED WITH MOLD INFESTING OUR HOME SO LONG. HE'S WHAT IS IMPORTANT, THE DAMAGE TO MY RESPITORY SYSTEM IS UNDESPUTED; MY CONCERN IS MY SON AND THE ACCOUNTABILITY THAT USAA HAS TO HIM IN THE FUTURE, HENCE THE LAWSUIT. I ALREADY KNOW MY HEALTH IS HORRIB LE AND POSSIBLE THAT LIFE SPAN HAS BEEN CUT SHORT AND THERE IS NOTHING THAT I CAN DO ABOUT IT, I'VE ACCEPTED IT AND NOW HAVE TO ENSURE MY SON IS TAKEN CARE OF. JUST LIKE THAT, USAA CHANGED MY LIFE BECAUSE THEY DIDN'T WANT TO PAY A CLAIM AND BE HONEST. HAD I NOT BEEN SO TRUSTING AND BELIEVED THAT USAA HAD ME AND MY FAMILY'S BE INTEREST AT HEART, AND FOLLOWED ALL THEIR INSTRUCTIONS EACH TIME WITHOUT QUESTIONS, I WOULD BE HEALTHY, NO EMERGENCY ROOM VISITS, CONSULTATIONS WITH DOCTORS OVER MY BREATHING PROBLEMS AND MY SON WOULDN'T HAVE SIDE EFFECTS. LET ME BE THE CAUTIONARY TALE TO QUESTION, ALWAYS QUESTIONS!

I SEE MY ATTORNEYS IN TWO WEEKS, AND I'M NOT LOOKING FORWARDS TO FLYING, OR EXPOSING MYSELF TO A DIFFENT CLIMATE CHANGE THAT CAN MAKE ME ILL, IT'S A RISK TO MY HEALTH, BUT IF I DON'T GO AND FACE USAA, THEY WIN AND THEY HAVE NO ACCOUNTABILITY AND THEY GET TO DO THIS AGAIN AND AGAIN. SO, I'M GOING TO RISK MY HEALTH AND PRAY I DON'T HAVE SEVERE RESPITORY PROBLEMS WHILE AWAY OR UP IN THE AIR ON A PLANE WHERE I CAN’T GET ANY HELP. BUT WHILE I'M THERE, IF ANYONE WANTS ME TO GIVE THEIR NAME AND INFORMATION TO MY ATTORNEYS AND IF A CLASS ACTION LAWSUIT IS POSSIBLE, I WILL GIVE THEM TTHE INFORMATION AND IF THEY HAVE ENOUGH PEOPLE, THEY MAY CONSIDER DOING IT, I DON'T KNOW, BUT ANYTHING IS POSSIBLE. I CAN'T GUARENTEE IT, BUT NONE OF US HAVE ANYTHING TO LOSE. THERE IS MORE STRENGTH IN NUMBERS THAN STANDING ALONE. YOU MAY CONTACT ME AT lander8646@aol.com. reference USAA Class Action, Name, Phone Number or email, Situation, and I will pass it on to them to see if they want it or if they can do it. Signing off AND GOOD LUCK EVERYONE, AND AGAIN, BE CAREFUL. THERE ARE PREDITORS OUT THERE. KIM.

This is Kim who wrote bad faith, I posted answers to some of your responses just today under home owners insurance/warranty about USAA just to keep everyone up to date. So check that section out, home owners insurance/warranty. It has a email address and information for those who would like to try and get a class action lawsuit going against USAA. HOPE TO HEAR FROM YOU!

Dont feel like the lone rangers. We have a different insrace company an when our house burne dow they recommend Paul Davis Restoation as their "Preferred Service Provider". Butin our case it wasn't a low ball rstmte they maxed out our policy limit. They this this by charging our policy $15, 595 for a $7, 600 screened lanai and charging us 5900 sf of roofin for a 5300 sf roof. All approved by the adjuster for their peferred provider. Not to mention that the work fail to meet the building code. Since we moved back in we have discovered over 100 code violation such as cut trusses, wrong hurricane straps, and wrong ceiling board just to name a few. It would seem that all the "preferred service" program are ripoffs and designed to line the pockets of the insurance companies and the preferred vendor buddies.

File a complaint with the insurance bureau and attorney general for your state. The insurance bureau is required to be appended to your home owners insurance or fire blanket policy. It's usually towards the end. Make sure you site everything including dates. I'm putting together an ambiguous blog, due to the possibility of being sued for lible. Even though it may be completely truthful, I wouldn't put it past USAA or any of their "network providers" to file a law suit against someone knowing they probably don't have enough money for appropriate legal costs to fight it. I will also be linking this site to the blog, maybe after it seems we have enough people for a class action law suit against USAA...we'll take'm to the bank.

We have been with USAA Home insurance since my husband retired 6 years ago. Sad to say, but we are shopping around for better rates. USAA has raised our home owners policy for the past 3 years..reason...the state of Texas! That is what I was told. Oh, so now the State has the power to raise my insurance rates? BS. Goodbye USAA! Taking my home, 5 cars, and boat to a company who cares! --- We took our motorcylces off the coverage last year and are now saving over 700 a year! SHOP AROUND PEOPLE. USAA isn't for the military anymore.

Agree - After 35+ years auto insurance and 30 years home insurance I too switched. What am I paying home insurance for when deductable has gone to over $7, 000? State Farm offered $1000 deductable, but the new policy will be a $5500 hurricane deductable; so, here I go again. Now on to Liberty Mutual for the house and dumping USAA for the cars as well.

File a complaint with your states attorney general and insurance bureau. Your rates should be based on your fico and vantage scores as well as your driving history, and inflation. They should be able to explain their rates or how they calculate their rates, and if your quotes rates are higher than someone else with less than desirable records...file a discrimination lawsuit. Just make sure you have all the proof you need. I'm creating a blog to combat USAA's unethical business practices and will create a place just for this where we can help each other prove what we need to to win a lawsuit against USAA. I've had it with them myself. My Wife is an attorney and all of her friends in NYC are attorneys and they all say it's hard to fight an insurance company unless you have substantial ground to stand on. The only way, might be a class action law suit. Who's with me?

I've had the same experience with USAA, homeowners insurance increasing dramatically. I called USAA to get a quote with a fake name and my neighbors address (same size/age home) and was told that my rate would be significantly less than what they have raised mine to currently. So do I cancel my policy and just open a new one with USAA because they are doing this, I don't think so. This seems to be a trend with USAA, they bring you in with a reasonable rate then raise it substantially in hopes you wont notice or take the time/effort to change insurances. It's amazing they get away with it.

I switched to State Farm and received a reasonable rate and great coverage.

I moved from Texas to Vegas and only have one car. I bought a cheapo car just to get to work (cost 3500) and USAA raised my 6 month premium by $400. I was pretty upset and told them that I had been loyal to USAA for the past 11 years and that it didn't seem fair since I have never filed a claim. Also, I haven't had any speeding or DUI infractions. My monthly payments were to jump from $119 to $180 (renters ins included). I called GEICO as soon as I hung up with USAA and now my premium for 2 cars is the same as to what I was paying USAA for 1 car..

I agree. I bought my condo 4 years ago and was paying $600 / yr. My rates have kept increasing, and my policy renewal just arrived - I will be paying $1200 / yr now. How did it double in 4 years? My condo value has probably stayed the same and I've never had a claim on it. I also live in a city that hasn't had any earthquakes / hurricanes / wildfires / mudslides / landslides / tornadoes / tsunamis / anything else remotely dangerous to homes ecept for a bunch of snow every year.

As of 2010, currently pay $670 and out of nowhere, USAA is raising my rate to almost $1100. they are saying because they are adjusting their rates because they haven't looked at it since 1999. They also said they have the square footage of my house as 1400 square feet. Now my house is 2400 square feet and I know I just filled out 2 questionaires regarding my home information... One on paper and another was done on the phone. So now they want to raise my rate from $670 to $1400. Might as well take my paycheck every week...NUTJOBS!

I doubt if the "rebuild" costs for his home _doubled_ in 5 years, but clearly his insurance did. I don't know what's going on with USAA, but I've had it with them myself. I've been a member since the 60's. They clearly are gouging at virtually every level. Our home insurance has more than doubled with far less coverage. First they dropped the Earthquake coverage, then they dropped the Flood coverage, all the while jacking the rates. They increased our credit card rate by 50% this year (wife & myself both have credit scores above 800), and I just got our car insurance packet from them (USAA) for the upcoming 6 months that's jumping the rate by over 1/3 increase. Why? have cars gone up by over a third in the past six month? We've never had a ticket nor have we ever submitted a claim. When we bought our 2008 vehicle, I got a quote from USAA beforehand over the phone, then after the purchase they lied thru their teeth about what they had quoted me. Then they wouldn't allow me to increase our coverage because of a "freeze" due to the "Fires", until about a month after the purchase. We live in the desert along the AZ/CA border, the nearest fire was over 250 miles from us, but according to them my zip code indicated a county with fires, never mind that San Bernardino is the largest county in the country and those fires could not cross hundreds of miles of barren desert to us with even a tornado pushing it! They came real close to losing us then, but they paid 5 1/4% percent interest on our Savings Accounts then. I just read an article dated Aug 9, 2009 about insurance gouging in CA., where our Insurance Commissioner wants to stop insurance companies from basing their rates on zip codes instead of your driving record, and of course the companies are against that. The article also listed the top 5 insurers in CA based on the most paid out from what they take in, USAA was not on that list, but the article also included the list of the top 5 insurers who paid out the least from what they take in and USAA _is_ number 3 on that list.
Plus, USAA has reduced our interest rates on our savings accounts to_less_ than 1%, or more than 80% reduction in the past year... and this is on $100, 000.00 accounts! Now there is no reason to stay with or put up with USAA any further. They will lose our insurance business by the end of this month, and I will continue to move our Savings Accounts to better pastures without the B.S. until none is left at USAA! They've already lost the business from my son (Vet/Captain in Gulf War) & his family, and now mine (Service Connected Disabled Viet Nam Vet)... but no doubt USAA will do just fine now that they've opened up their business to everyone. USAA is no longer USAA, Vets and active Service Personnel need to look around and compare! USAA may still talk the talk that they know what it means to serve, but their walk these days show that they are learning to gouge those that have!

Shouldn't Home insurance rates raise annually. After all ist based on the market price to rebuild your home in case of destruction. I don't think you could do that for what the county asseses it at. I know my home is assesed at 80, 000 but fair market value even now is 130, 000 plus I wouldn't be able to rebuid for 80k. Plus If you have a mortgage or mortgages on the house your insurance should be more than that. Think about that when attempting to lower you coverage to what the tax records say you home is worth. As you said you don't make much as a retiree... you don't want to end up owing on a house that's been destroyed. Or if you have a paid off home having to reopen loans because it cost more to repair than it's insured for. What about a place like San Diego where taxes are based on sales price... a home built in the 50's could easily have sold for 20, 000 property taxes can go up 1% a year since then... ( don't make me do the math and amoritrize that out please) but for all intents and puropses lets say current property taxex have that home valued at 75k. At the height of the bubble a home like that would have cost 600, 000 and for 75k in San Diego you couldn't have built a garage.