USAA low estimate compared to local contractors

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Contributor

I’m trying to get repairs done on a water damage claim in a spare bathroom.  Started over 4 months ago when we returned home from a 2 week vacation.  Yes there was a toilet leak that caused some major damage to a bathroom, downstairs ceiling.  I think we got lucky as it appears the leak was only a few days old.  Servpro cleaned up the mess and in the process, the entire bathroom was gutted except for the bathtub and a cabinet.  The vanity and flooring was destroyed.  

 

The 1st USAA adjuster came to the house and worked up an estimate and paid Servpro for their services.  I thought all was going well until I tried hiring a contractor.  Several contractors refused to give a bid because of USAA’s reputation for under bidding a repair.  I couldn’t believe it because I’ve never had any issues with USAA.  I had one prior water damage claim in over 20 plus years.  I finally got a bid from a contractor that has a good reputation and USAA refused to adjust their estimate for my claim.  I thought maybe I should check with a couple other contractors.  I found 2 additional contractors.  One provided a higher bid than the 1st and the other was pretty close to the 1st bid.  Fast forward 4 months and multiple unanswered phone calls and emails and I have a new adjuster.  Sounds good right? Wrong, apparently he’s not seeing eye to eye with the contractor and they won’t deal with each other.  

 

I just want want to get my house repaired!  There are no USAA approved contractors in my area.  Anyone have advice?  I’ve gotten no where with USAA.  Help!

 

3 REPLIES

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@Duckie2, I am sorry to hear about the water damages to your home and the frustration you're having with the claim.  I asked a claims subject matter expert to look into your concerns further and to follow up with you as well.  They will be contacting you within one business day.  Thanks.  ~ Robert

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Dunkie2, I'd keep hounding them. Don't accept anything from them until they get it right.  They always promote "rebuild/repair/replacement costs" during premium renewal time, but it's obvious they fail to back it up when it's time for them to pay. Even a better reason for customers to question them about it.  The internet has a lot of useful information on how to file complaints against your insurance company. Hopefully someone at USAA will step in quickly to help resolve your issue.

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The canned reply of "subject matter expert".   How about resolving the problem for a member and updating this board instead?