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.