USAA Homeowners Insurance ripoff dishonest coverage and compensation witholding and fraudulent reports unfair practices San Antonio Texas

Not provide paid coverages or honest statements of causations or extent of damages. Requested inspection from tornadic storm, small leaks and loud sounds. Never followed 2 story leaks. Pay was insuffient as per replacement coverage and procedures and materials used. But not enough to not fix as do lots of stuff myself and have RE that we were already doing upgrades as had got escrow loan prior to reside, tile, trim, add back 5' porch balcony and retaining wall with runner, fence and pool. Adjuster missed major structual, decking and ac damages.

Roofer immediately found collapsed rafters, with cracks, disconnections roof to walls, splinters, tears and a dropped blower unit and leaking lines in the NW top story attic. All damage at the NW corner as we could tell, leaks only down 1 pipe and ac line that was moved. Reported, engineer said was wear and tear. 4 days later the rafters that i was concerned of collapsed and created a heavy flood down to exit S. garage attic and common wall to house and east wall. Not giving any emergency service, show up (flood June 1) June 8th. Mold began and found more collapsed rafters at the west north & south as well as bricks cracked N,S on West end and only one slight dip in the roof at the SE corner. June 7th began reroofing in the flood area to stop..... no sign deck weakness, deformation or seperations. June 8 and 9 they did a foundation test and it was all working proper. June 17th was denied blaming the roofing process which (June 11th) stopped all floods and leaks and was done in the same process and materials as original.As reporting the witheld info and false reports USAA gave me a new engineer and adjuster immediately.

July was approved as storm pressure cause framing distrotion of house causing the structual, cosmetic, electrical, appliances and cosmetic damage. Told all approved but mold (was told not covered for damage caused by mold but was fighting as mold was caused by the approved water damage) Insisted on doing all siding, trim, in and out paint, ac, electrical, and whatever damaged. Recommended USAA contractor and advised me that all liscenses, insurance, subs will be used and done in 2 - 3 months. Paid and began October. Gave new adjuster unknown to me as sent mine to Florida. Immediately did wrong garage, only replace out ac unit (no lines, tests, inspects done to electric, ac, mold, flood entrance, insulation, framing connections etc.) Refused to give manufacture or warranty info on ac. Day one (all leaks stopped prior contractor and one small trickle at main 3 way connect was only leak at time of new engineer and adjuster)


Entire home starts new leaks and seperation never had. Engineer approved from storm then as did unapproved work opening and replacing structure never to replace the entire house seperated inside and out and roof began to move. New adjuster and engineer then said wear and tear again. (July wear and tear was ruled out) Then denied engineers, liscenses, warranties, insurance, permits, inspectors, inspections, certifications, etc. Forced to pay with threats, supposed supervisor (mold specialist, brother-in-law of contractor) did all work with his old superintendant and his injured son (fitness trainer out of work cuz wrecked motorcycle)


Threatened, called lier, misrepresented original materials, methods, quality. home has been destroyed. Original storm damage remains and since requested the frame work refunded me or usaa, provided the materials or do work paid. Feb decided to stick in some 2x4 support to frame (ac kept dropping) unknown or approved my roof opened, moisture entering and damaging inside, windows, doors, drywall, electric, concrete etc. Denied engineer, city, state, and was approved by USAA appraiser just advising to find leak and repair. All mess from there on, witholding coverages, reports, verification, facts, compensation etc. Denied appraisel, non partial engineer, rejected reports, etc.... lost 3 jobs, 3 reissues of check written with insuff. funds and false witheld misleading representation. Refused pictures from start and all reports, as well as prior inspection done previously as last roof check 2001 (?) stated the strength and odd duribility of roof as was custom as well as plumb, electrical, insulation, framing, entire home was energy efficent rated, foundation under warranty and new home discount all effective at time of storm.


consistant utilities 9.75 years and have risen progressively since storm.... stable then construction increase rapidly and still increasing. Need help if single professional especially female, on sight all times, as i did, need professional! as lost professional reputation, no income, sick consistantly as try and treat mold regular, stop leaks as find, repair shingles when come of, replace appliances, toilets, breakers, bulbs, fixtures, caulk, sealants, etc. Be on your toes and use own contractors not there recommended ones!

Carolyn
Grand Prairie, Texas
U.S.A.

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