@ Claims nightmare,
I apologize for the inconvenience and frustration you're experiencing with your claim. I see that your claim has been escalated to a subject matter expert. I will forward your additional post to them for review. Thanks-Mike
I have a solution for you - look USAA up on the BBB website and file a complaint there - they MUST respond to the BBB. Be sure to include that USAA uses a 3rd party vendor Nationstar who has been unresponsive and you just don't understand why there is all this back and forth. Also ask BBB to ask USAA if it is ok to backdate insurance policies and if so, what is USAA's responsibility to you during that backdated time period - in other words, if you filed a claim would USAA HAVE to pay out on it when though it was "backdated".