USAA Homeowners Insurance (Ductless Mini Split-System Air-Conditioner).

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Frequent Contributor

I have a Ductless Mini Split-System Air-Conditioner in my condo. So, where exactly does my A/C unit fall under in my coverage? It seems that USAA Reps can't find an answer to that. Also, why is USAA block me from getting a Condominium Quote? Shall I write a letter to the CEO asking him to get my answer? Lastly, why is there a news journalist investigating USAA Home Insurance (Link to news: https://www.dallasnews.com/news/watchdog/2020/07/09/what-happened-to-usaa-why-is-it-denying-some-sto... ). Thank you further in this matter.    


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@W.D.R. any A/C unit not owned by the homeowner would fall into the excluded area of the contract. - Ralph 

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@W.D.R. it was my pleasure and please feel free to reach out anytime =) - Ralph 

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15 REPLIES

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Hello @W.D.R., we'd love to assist further and help review specific details of your coverage. We can also help take a look at your account and answer any questions about new quote. So that we can provide the best service, please give us a call at 800-531-8722 and we'll connect you with the best team. -Lori

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Another stock reply to serious questions.  When will we (the owners of USAA) see a response about the home insurance claims news story,  I seem to remember this being brought up before.  We are due an answer.

I'd like to know how many employees are at this "USAA Social Service" website.  All I see is the same stock reply to serious questions that need real answers, a robot could do most of the work I see here.  I'm not sure where the member's (owners) money is going here.

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@BrownieBug: Those are good questions, and yet I'm a bit surprised USAA has not responded to this thread ...yet. Thank you for taking the time to share with us.

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Thank you for the timely response, Lori (USAA Service). I'll give a call once my standard question has been properly answered here:

 

"I have a Ductless Mini Split-System Air-Conditioner in my condo. So, where exactly does my A/C unit fall under in my coverage?"

 

Until then, I wonder if I should proceed to write a letter to the CEO. Maybe one should start shopping around. Again, thank you further in this matter.

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@W.D.R, I have posted a copy of your contract on usaa.com for you to view. To locate, please select your name on the top right of the page, followed by My Documents. For your privacy, we cannot discuss your contract via this forum, however we would welcome the opportunity to be able to assist you further. When ready, please initiate a chat on usaa.com by selecting Help or by calling us at 800-531-USAA (8722). We look forward to speaking with you. - Nick

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Thank you for your response, Nick. So let us break this down, shall we?

 

1) @W.D.R, I have posted a copy of your contract on usaa.com for you to view.

My Response: Sir, when did you post it? You seem to imply that you posted it recently.

 

2) To locate, please select your name on the top right of the page, followed by My Documents.

My Response: Okay, I stopped at "My Documents" ...then what, Sir? 

 

3) For your privacy, we cannot discuss your contract via this forum, however we would welcome the opportunity to be able to assist you further.

My Response: Let me rephrase the question as a general question since fellow veterans (USAA customers) took interest and responded. SO HERE IT IS: Where exactly does A/C unit (e.g. Ductless Mini Split-System) fall under in the coverage?

 

4) When ready, please initiate a chat on usaa.com by selecting Help or by calling us at 800-531-USAA (8722). We look forward to speaking with you. - Nick

My Response: As soon as you answer then I'll reach out. I think people are getting sick of this delay, deny, defend scenario that insurance companies play across the U.S. Should U.S. representatives get involved and create laws to prohibit the triple-D practice? We shall see. Thank you further in this matter. 

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@W.D.R., thank you for your reply. I apologize for any confusion or frustration caused with our reply. We posted a copy of your policy contract yesterday onto your documents. It is a 56 page document and you can locate it by selecting My Tools at the top of the page and then under Documents and Forms, you'll want to select View My Documents. The document will be listed as the most recent posted or you can select the Insurance folder at the bottom of your page and it can be viewed here as well. You'll see an outline of your policy coverages as well as the policy contract. We also posted a 12 page document which is a shorter version of your most recent policy contract. You can view both under your document section.

 

In general, an air condition unit is considered part of your personal property. You can view sections in your contract that outline property covered as well as any exclusions. Because claims are determined at the time of the loss based on the individual details of what's occurred. If a loss has already occurred, you can submit a new claim any time online by selecting the Claims Communication Center at the top of your page online. Our team will be happy to speak with you directly and provide more specific info based on your policy and additional questions you have. -Lori 

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Thank you for your timely response, Lori. Somethings I like to mention what you said.

 

1) We posted a copy of your policy contract yesterday onto your documents. It is a 56 page document and you can locate it by selecting My Tools at the top of the page and then under Documents and Forms, you'll want to select View My Documents. The document will be listed as the most recent posted or you can select the Insurance folder at the bottom of your page and it can be viewed here as well. You'll see an outline of your policy coverages as well as the policy contract.

*My Response: I have not received it, yet. In fact, since 2018, I have not received the 56-page document in the insurance folder.

 

2) We also posted a 12 page document which is a shorter version of your most recent policy contract.

*My Response: When? Nothing was posted yesterday about that.

 

3) In general, an air condition unit is considered part of your personal property. You can view sections in your contract that outline property covered as well as any exclusions.

*My Response: I know central air conditioners are excluded. With that said, what other 'air condition units' are excluded?

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Hello @W.D.R., thank you for your reply. I want to confirm I've posted a new copy of your homeowners policy contract and can be located via the directions above. Copies were also emailed to you at the email address on file. Please let us know if you're still unable to locate your documents. Coverage is determined at the time a loss occurs and is based upon the individual cause of the loss. We'd be happy to discuss additional info regarding coverages via phone. You can reach us at 800-531-8722 and we'll be happy to connect you with a property specialist who can help review more info together. -Lori G