Home Discussion Forum

Share wisdom if you're an existing homeowner or have tips related to homes in specific areas of the country or overseas. Share tips related to maintaining your home, such as DIY decorating projects; or selling a home, such as staging or hiring contractors to complete home projects.

Recent Home Conversations

I recently called customer sevice to discuss why my home owners insurance policy goes up every year and ask if I could do anything to stop the rate hike each year. The representative told me I should cancel my USAA policy and go with someone cheaper. I stated I wished to stay with USAA just wanted m...
Am I the only one, or is it happening to everyone in California? My proposed policy for the next 6-month is 100% higher. It was $400 and now it will be $800. What it happening? Is it me or is it everyone in California who is being hit with such a drastic rate hike?
I have been a happy USAA customer for nearly 25 years, but in the past 5 years have noticed a major decline in their service and response to claims. I have stayed with them because of their track record, but since moving into a new more expensive home, they have continued to let me down. I am wonder...
I've been a member for 30 years get a water leak that will probably cost less the $10K for total repairs, fisrt said authorization to get the leak repaired now saying won't pay. I am telling everyone I can about the lousy service the lies they tell and how if they spent the money on adjusters not co...
Hi All,Just an update on the outcome of USAA Policy and Procedures, USAA isn't renewing my Rental Property Insurance coverage as of 22Apr21. I kind of thought this would be the outcome for me, because like I said I am only one veteran member and the dept. kind of implied I was taking advantage of th...
I have 3 homes and 2 cars insured with USAA. Problem is that I can't get the payments to go to a particular policy. THey go to a pot of all payments! I would like the payments I make to go to my rentals while my wife's payments go to her rentals. I was told to write the policy number on the check an...
I would like to preference this note by saying that up until this point, I have had great support and service from USAA over the last 15 years. However, in recent years I personnally think their "business" model has caused them to lose sight of the customer base they service. I have successfully pur...
Dear @m_e_r_c_y This post has been moved from the “Discuss: Home” area to the "Support: Insurance" area to ensure the appropriate team is addressing your post. Thank you.
I am considering installing solar panels on my house. Do any of you have solar panels on your home, and if so, what is your experience? Are solar loans a good deal? Any comments or suggestions would be apreciated.
received a notice that my insurance bill payment was overdue. the due date was April 3rd. I thought that maybe the check was lost in the mail so I checked with my credit union and found that it was cashed by USAA on March 30, 5 days before it was due. I called and inquired and was told to call back ...
Called the ADT sales number at 800 453-5716 and talked to "blade" on Friday March 26, 2021. We discussed installing an ADT in my home. Blade booked an appointment for Saturday March 27, 2021 at 2 PM for the tech to evaluate the property and recommend a system. Its now 3:15 and ZERO tech and ZERO pho...
Dear @RobotAvatar This post has been moved from the “Discuss: Other” area to the "Support: Insurance" area to ensure the appropriate team is addressing your post. Thank you.
I reported damage roof and water leakage inside my home to USAA early January2021. USAA sent an adjuster who took pictures, met the roofer who tarped the roof and wrote up report and submitted in January. The USAA Claims agent was given the roofing quotes twice and we hadn't heard from her in weeks....
I keep calling and the wait line is over an hour for home insurance adjuster. This is not service. I thought USAA understood service
Today, I received one of the worst customer experiences I've ever had with USAA. Over the past few weeks, Southern California has gotten quite a bit of rain. I noticed a leak and a crack in the ceiling above my bed and some other leak stains going down the walls. So, yesterday (March 18th) I called ...
How do I go about correcting the USAA Home Value Monitoring tool, as to the home which I resently purchased?The current home value is wrong!
would i be able to apply for a va loan without doing a va refinancing option if I already have a mortgage. A few years back my ex and I bought the house which I'm currently in, she used her VA loan but I did not and I am trying to get her name of the loan? How can I use my VA loan to accomplish this...
I've posted several comments in the past about USAA's senior management not paying attention to us. Tuesday morning I got a phone call from the "office of the CEO" to let me know that he had seen my comments.
I recently received a letter from USAA saying that my homeowners insurance policy will end May of 2021 due to the fact that I have too many claims with them. I have been with USAA for over 20yrs and live in Oklahoma since 2016. All my claims has been reasonable and no fault of mines. Every year we g...
Does USAA give FHA loans on manufactured homes with permanent foundations? I've asked that question many times but keep getting different answers. I already have a COE.
can i still deferr mt mortgage
USAA has let us down. We have been members since 2004 and always used USAA for almost everything, but now I'm having to rethink whether we should move to another financial institution or stay. Smack dab in the middle of all this COVID stuff, I get a local county tax accessor document stating that my...
I live in Orange, Texas. During Hurricane Laura, I had siding damage, fence and roof damage. I have been dealing with my claim now for 6 months. Gone through 3 adjusters, Finally got my roof replaced, but now going back and forth about the cost to replace siding. I gave two bids from local siding co...
I have been a USAA member since I was a kid. Both my parents were military, my husband was military, and I am currently serving. For most things, USAA does what is right and I feel like they truly care for Service members and their families. I cannot say the same for their mortgage loan practices. I...
I just applied for an IRRRL and USAA wanted more documents for it than I remember submitting for my original home loan they approved 11 years ago. When they required information on a property I own outright that’s next to my primary property, that’s when I called a time out. That property has nothin...
In the past 3 years USAA has arbitrarily increased my Homeowners rates by 27% in DFW area of TX by estimating my rebuild costs to ridiculous numbers that I can get NO other insurance company to duplicate. All other insurance companies are $100k+ less than USAA estimates. I have shared this and been ...
Hello. Im currently looking into going with ADT for home security. If i'm correct this would qualify for a discount on insurance. Is that correct? Could you please give more information on that?
we now have an fha loan with mortgage insurance. how would we be able to refi into a va loan and get rid of the mi ? what is the requirements? our home value is $130,000 approx. our loan balance is approx $122,000. what would we have to do to get approved?
I want to remortgage ws hoping to get a better interest rate any thoughts?
does USAA do home loans
What is covered for homes built on pier & beam structures? Structural damage? Piping? Electrical? Flooring? Plumbing? Mold? Roofing?I’ve yet to find a policy specifically addressing this type of structure, nor has my attorney. Various insurance companies have tried to construe the meaning of a home ...
USAA has completely denied my Homeowners Policy claim WITHOUT even having an adjusters report.I spoke with a claims representative on Jan. 6th, 2021. I Escalated to a manager on Jan. 7th, 2021 . BOTH stated that based on my adjusters report the ENTIRE claim was denied. NEITHER representative seemed ...
Has USAA just completely given up on even trying to be respectful of their customers' time?I closed on a house earlier this month and went through USAA for both homeowners' and flood insurance. First, USAA neglects to issue the flood insurance policy and doesn't send me ANY notification through emai...
I have been a USAA member since the early 1970's with home owners, auto, and life insurance. I have always thought that USAA looked after service members; however, my faith in that USAA commitment has been shaken by a number of recent events. Our area experience a major hale storm in 2019 that resul...
Merry Christmas from USAA: Your home damage coverage from Hurricane Michael has maxed out and we will no longer pay for storage of your personal property ... Merry Christmas via phone call on Christmas Eve. Heartless gesture huh ? Meanwhile, 2 years after the storm, our clothes and all personal stuf...
HURRICANE MICHAEL : Calling out for HELP. Two years plus after our home was destroyed by "Michael" we are being forced to live in a leaking totally destroyed camper because USAA will not pay for repairs REQUIRED by Code Enforcement. USAA will not tell us exactly what documentation they need in order...
Merry Christmas from USAA: Your home damage coverage from Hurricane Michael has maxed out and we will no longer pay for storage of your personal property ... Merry Christmas via phone call on Christmas Eve. Heartless gesture huh ? Meanwhile, 2 years after the storm, our clothes and all personal stuf...
I received a call today 1/8/2021 from USSA concerning my recent water damage claim. I was informed that USSA decided there was no wind damage and they will only cover $320 worth of repairs. With my deductible it won’t cover the cost to repair the kitchen ceiling. The adjuster who was here yesterday ...
do i need or am i covered with my homeowners insurance?
Does USAA handle Home Owners Insurance ? I new here
So my wife and I have been married 10 years and during this process we started building a house out of pocket to live that dream of not owing anybody it’s been a couple years we decide to break down and get a construction loan to finish unfortunately no institutions would help us because we’ve alrea...
My wife and I are preparing to purchase our forever home. We will have the funds to pay the mortgage off in 90 days. We would for someone to please share the pros and cons of this. We do not like to pay interest on a loan that we have the funds to pay the mortgage off. Some people have told us that ...
Hello, my family and I have lived in GA for about a year now. I am a guardsman with the US Air Force and work at Robins AFB. I’ve been in the guard for about 9 years now. I do have a certificate of eligibility but don’t meet the credit score requirements to qualify for a VA loan. I’ve contacted mult...
My wife received a letter from departmnt of education regarding my wife's student loan that indicates her IDR payment will be $0 through 02/2022. With that said would an underwriter take that into account when we apply for a VA loan and approve a loan if all other qualifications are met? It's a hypo...
We are having a problem with our adjuster not paying Law & Ordinance that we've claimed and paid out to comply with Florida Code. I've called his supervisor twice only to have my calls ignored. Our builder has had to stop work on occasions because of this. Meanwhile all of our belongings are racking...
- Home in NY- Owe on mortgage- On a VA loan- purchased in 2008 I have a renter. It's covering my mortgage/escrow expenses, plus a minute amount above. The renter would like to buy but tells me the bank there has told them "you have the score but not the history". Is there anything I can do to help m...
I’ve been with usaa for over 8 almost 9 years. I’ve never experienced such bad customer service or experience from them until now. I lost everything, I have five kids. That right there should say to anybody that money plays a big roll in my household. After the first hurricane no biggie we replaced ...
We had a claim from the tornadoes that came through TN in March. Our six foot privacy fence was not on the original claim. Can we still claim the fence, it cost us about $7000 to have put in 4 years ago when we first moved here and now with the price of wood, it has got even higher. With a baby due ...
Why USAA can not add my 14 Panels Solar System? I complaint about this twice and seems that no one cares or know how to ADD it on my Home Characteristics. These solar panels were constructed since April 2020. I mentioned also my Metal Roofing that was built in 2015 that was NOT also included or stat...
The house was damaged during Hurricane Laura, adjuster came out quick and that was the last time anything with claim went quick. We had siding damage, and fence damage and was told by the adjuster that we had hail damage on the roof. He then stated we should here back within a week. It took almost a...
I have a sunken living room at this house in Arlington Texas. I am of the older generation. My hubby who was military passed over a year ago. If I stay in this house I need the floor raised. I am not a million sire but I might have some money for putting a raised floor in. Are there any organization...
Will our homeowner's insurance premium go down if we get quto insurance thru USAA as well?
I'm interested in converting a construction loan to a conventional loan. I've had the property for about 6 months and the home is complete. Because it's a vacation home I know that I can not use a VA loan. Can USAA provide a conventional loan?
Is anyone, other than me, getting a completely strange log in page?
I would like to refinance my home to a 15 yr mortgage, with very good credit rating, home insurance, car insurance are currently with you. Home value is $430k and owe $145k. What is your best competitive rate can you give me? Currently with Wells Fargo. Thank you
I filed a claim for property damage due to Hurricane Sally with USAA 7 weeks ago. After hearing nothing for 3 weeks I gave USAA a negative rating on how USAA was handling my claim. I then asked several times for an update as I had heard nothing after the AllCat USAA contracted adjuster had been to m...
Hello, I am having trouble getting a homeowners quote. Please assist me.
My parents have been with USAA for more than 60 years. They had hail damage last year and USAA came by and provided them with the money to get items fixed. Unfortunately, USAA inspector missed a bunch of damage. Due to medical issues and hospitalizations, my parents did not get the repairs done to t...
Has anyone else had the problem of USAA and their "contracted" companies not paying your property taxes?
Yes, USAA and their third party taxpayer Corelogic failed to pay my taxes this Fall. USAA wired the money from my escrow account to Corelogic, THEIR/USAA hired taxpaying company and they DID NOT pay my taxes. I was selling the home recently and was notified by the title company that my taxes were de...
As a former service member and disabled veteran, I have been a long time member of USAA. USAA isn't what it used to be. If you are a member, I strongly suggest you shop around because WE ARE being ripped off. In July 2020, I was seeking to modify my homeowner's policy to make the cost more manageabl...
Great so I start a 529 for my daughter - and go through all those forms. What do you do, you sell my account to victory captial. FYI - They don't accommodate the DEAF EITHER!!!!!
When I received a letter telling me my insurance costs were increasing 20%, I called USAA.I was told that because there’s “so much building going on around my house” that’s the reason.To everyone reading this post:USAA is THE WORST COMPANY TO DEAL WITH.My family switched to another company with way ...
So after several complaints I am finally offered assistance with a claim I tried to file years ago. After proving I actually communicated (thank goodness for emails) I was allowed to resend all the documents. Then I am told, too late - even though proving otherwise. If you are Deaf, you are screwed ...
I am so beyond disappointed with USAA customer service! I have spent hours on the phone with customer service, trying to add our revocable trust to several of our policies. It's been a nightmare. I'm getting ready to shop for a differnet insurance company. If there is anyone at USAA that cares, plea...
Does USSA handle V A Home Loans???
I am currently in a forebearance with Nationstar and its coming to the end of its term at the end of the year. I answered the questions saying we are still having trouble and were asked to send in proof of income and fill out a expenses form. We have done this three times and yet Nationstar says we ...
I receive numerous offers to refinance my VA Loan through the Interest Rate Reduction Refinance Loan (IRRRL) program. Having a current VA Loan at 3.75%, my interest was piqued when I was offered an IRRRL loan at 2.25%. Further, the rate I see for new VA Loans is 4.098%. How is it that IRRR Loans can...
I initially was going to write this post to tell my fellow service members to be mindful and aware what filing Property Claims with USAA. But, it appears that I should have read the community chat before having my own unfortunate experience. Well. I'll describe it anyway eventhought its needless to ...
Hi all Looking for some guidance here. I put in a claim (tree falling on house). Had to get roof/chimney fixed as there were 3 holes in the roof. USAA not covering most of the claim. We are out of pocket over $40k. Is there an appeal process or higher power to speak to? or does this delve straight i...
Thank you for taking the time to share your claims experience. Please be assured your post is being reviewed by the correct area. It has been moved to the moderator only area, as it violates the Community Guidelines. Thank you https://www.usaa.com/inet/pages/usaa_moderation_guidelines
For the last few years I've taken particular notice of all the various groups and causes that USAA has decided to support. Let me suggest another one: your own members who are homeowners in Florida. I've been a USAA member for over 50 years and was shocked and dismayed to find that when I moved to F...
I filed a claim with USAA back in August on Property damage to my home caused by a hurricane. USAA sent an adjuster out to my house to access my damages ( took a week). It then took two weeks to get a response from USAA concerning my results; in the meantime, there is rain coming into my home, cause...
Dear @Bob Gelb This post has been moved from the “Discuss: Home” area to the "Support: Insurance" area to ensure the appropriate team is addressing your post. Thank you.
Recently had a water leak, turned out we had to have bathtub replaced. The contractor took 1 month to complete. USAA insurance would not cover any expenses. If your home is old, seems you should add a water endorsement to your policy. If you don't, you will be out $10,000. For a retiree in their 90s...
I had an insident in my basement where there was mold disovered. I have had a remediation company come and take care of the problem. Somethings had to be thrown away because they were far to moldy to keep and could not be saved. I have had a few neighbors ask if I had contacted my insurance company....
So I called USAA because my family is preparing to purchase a larger home. I learned that you can’t use your VA loan option to purchase another house even though your current house is paid off. You are expected to sell your current house before you can use your VA loan benefits again. Talk about get...
I have two disabled children, one with autisitic and ADHD. We also have three dogs (they provide comfort to my children). They are very sweet, but the oldest one can be very protective in our home and yard, particularly around strangers. We have a very strict rule in the house of not letting the dog...
Do you still have to have been at the same employer for at least 2 years to qualify for a mortgage? One company is wholey owned by the other.
My mom was paying $1900/yr for homeowners insurance with Allstate. She switched to USAA and is now paying $1000. Not sure why the huge discrepancy.I'm paying $1300/yr with USAA, and Allstate is offering $678. My brother had the same experience: Switching from USAA to Allstate cut his rate almost in ...
If you are a USAA employee reading this, know that you’re an idiot.I can’t wait for my next call with you idiots now that I’ve found this community board
Greetings,I hope this finds all of you well. I am writing you on behalf of my Dad. Recently, he filed an insurance claim to get some help paying for a roof replacement. I currently live in the house, but he owns it. Unfortunately, USAA has denied the claim twice now. Im not sure if me writing this l...
Had damage to my roof and siding from 3 heavey wind storms. Siding was blown off and nails securing it ripped out on 2 sides of my house. There were several areas where the shingles were lifted and nails popped through causing the roof to leak in two spots. The first in the attic above the kitchen w...
There are millions of people buying and refinancing homes right now.I’ve been a Full Time Mortgage Loan Officer for over 25 years now.USAA will miss your settlement date, their rates are horrible, they require more money down and their staff are incompetent morons.Home Owners Insurance - USAA has th...
I'm so disappointed in USAA. I've carried my auto insurance for many years and am a member in good standing but I can't even get a quote for my property insurance in California. Just because some of the properties in my zipcode are high risk do not mean my property is! We have a fire hydrant outside...
Dont
USAA called my Dad (A 60 year USAA member & Army Vet) and told him his recent homeowners insurance roof claim was denied for the third and final time and then when I sent them a message discussing my frustration & how heartbreaking it was to hear the disappointment in my Dad’s voice USAA had the gal...
@KC_Eyes What a great post. I have moved it from the Discuss: Home board to the Discuss: Military life board- in hopes it makes it easier for other Veterans to find and to chime in! Thanks again for starting such an important conversation!
Dear @kiermarl This post has been moved from the “Discuss: Home” area to the "Support: Insurance " area to ensure the appropriate team is addressing your post. Thank you.
My neighbor has a very large pine tree. I estimate it's about 40 feet, maybe a little more and maybe a little less. This tree is about two feet over on his property line. I am concerned if this tree falls, due to the angle it's leaning and the weight of the branches, it's going to hit my house. My h...
Why is USAA Legal Thieves? Well recently i reviewed my coverages and yearly premium and shopped around for a better rate. Deep East Texas, coverage. USAA location San Antonio, My cost is $1,888.00 per yr. Shopped 3 others with my current policy agreements, for same cost of one premium i can combine ...
So we had a major storm a few weeks back. I called USAA which is a task just to get in. I got a hold of a very cooperative individual when describing the damage. He told me someone would be assigned to my claim and they would get in touch with me. Alexa, I would like to thank you for your phone call...
I am just curious what other member’s experiences are with USAA? I am not in the military, but my Dad is an Army Vet from the 60’s. When I was growing up, he always told me that having USAA insurance was a privilege based on his military service to our country. He said that the average person withou...
Does USAA offer a second mortgage line of credit on an existing USAA mortgage that I have? What are the procedures to do so?
We were customers of USAA for many years. We had to file for Bankruptcy over 10 years ago. We have a HELOC with these people. 2 years ago after recent Managerial Changes, these people shut us out of their website. Every single month for 2 years now, I have to call these clowns, take 45 minutes to pa...
To Whom It May Concern, I am a 76-year-old, 100% disabled Vietnam veteran, living in my non=functioning Motorhome on a farm outside of Bennett, Colorado. I have recently been informed that my home (motorhome) is scheduled for repossession after my bankruptcy in 2019. My USAA loan for this Motorhome ...
Just wanted to share a quick story. Home owners insurance with usaa. We all think we are prepared for the worse, we trim our trees, we update our houses, we keep fire extinguisher's handy. We have security cameras, locks and more to protect our families. Then diaster hits. You never expect it. God b...
I am curious if any other members have installed Euroshield roofing on their homes. I am building a new home and wouldlike some feedback on this product. They make a shingle that is "hail proof" to 4" hail for 20 years and then for 2" hail forthe remainder of the 50 year warranty. Hoping USAA will i...
I AM A FORMER MARINE AND USE ADT FOR INSURANCE AND A SAVINGS ACCOUNT. I JUST RECEIVED AN EMAIL OFFERING ADT HOME SECURITY. I HAD AN ALARM COMPANY BACK IN THE LATE 90s AND SOLD IT TO ADT. THEY MADE ME THE AREA MANAGER BECAUSE THEY DID NOT HAVE AN OFFICE IN WEST TEXAS. I LEARNED VERY QUICKLY THAT ADT'...
Does USAA cover parents of vets?
First time we have ever filed a claim. Spoke to the representative once and now for days left several messages and emails through the USAA app and no response. We received a electronic funds notice for funds sent to account at a bank where we do not have accounts. So where is the money? We are so di...
I'll spare the exhausting details of our 8 month ordeal (since I have already spent HOURS reading these sad posts on USAA's mishandling of other members' claims), and I'll cut right to the chase. For 2 decades we have used USAA exclusively for ALL OF OUR Insurance and Financial needs (e.g. Home/Auto...
We've purchased our first home with a VA Loan and have lived in our home for about 4 years now. We are PCS'ing to another state later on this year. I would like to know what are the neccessary steps if I am interested in renting out our home.Thanks
Across the board, I can't begin to say how poorly USAA is performing. I've a 43-year member. Have always had banking, investing, home and auto through USAA but now shopping options to move it all. It was amazing when I joined in the 70s. Now it is just a huge bureaucracy without the customer service...
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 ans...
What does your credit score need to be In order to get approval from USAA for a 1st time home buyer or for a used car loan? Thank you
My husband is retired Military. We carry our homeowners and car insurance with you. Can our daughter use USAA and apply for a house loan?
USSA you failed to protect my account and have allowed someone to hack into my account, credit theft and set up multiple bank accounts- then you call me and claim i gave my personal information to someone!!! How horrible that im being victimized over and over and still see the fraudulant checking ac...
I am an independent contractor (Lyft driver) for 2+ years. Fairway mortgage says can't get a loan because my AGI is close to $0.00. But my gross income is $38,000+. Is there any loan company that can look past the AGI to the gross income and give you a VA loan? MARK
Recently my family and I relocated. so naturally we sold our house, and began the process of purchasing a new house. Everything was pretty typical until USAA said they would need 45 days to close - 15 more than typical. Thats understandable i guess. given the market. however, after that everthing ch...
Dear @Shabunda This post has been moved from the “Discuss: Home” area to the "Support: Insurance " area to ensure the appropriate team is addressing your post. Thank you.
Greetings,I filed a property claim on March 27, 2020. Since that time I have dealt with multiple claim adjusters and representative, opposed to having one adjuster taking ownership of this claim. As a result, I would often receive multiple answers to questions presented; this only created additional...
Our family has been with USAA for at least 11 years and up until now we were more or less happy with their coverage on our home and cars. Recently we notices several brown spots on the ceiling in our laundry room and hallway. Turned out to be roof leaks so naturally we called and an adjuster came ou...
Please be extra careful dealing with Realtystore they run many real estate websites that promise free or cheep subscriptions but only give you info already eaisly available info, and make it difficult to unsubscribe or worse make youthink you have unsubscribed. BUT DONT BE FOOLEDmake sure you keep u...
We have been a loyal member for 40+ years, USAA took care of us to recover from a number of hurricanes including Andrew. We are pretty sure we will be Insurance customers for life. We had little concern when they moved us to SCHWAB , but over the past few years, I have watched USAA change to a profi...
So we've all noticed how USAA's customer service has gotten worse the last few years right? Well, that's come to a head as my wife and I have attempted to close on a house with their home loan dept. First, USAA didn't disclose that, because they don't have a representative in our area (we're in Iowa...
I have two VA loan questions: First, I'm about 2 years away from procuring a retirement after I retire from the AF. My wife and I want to build starting about a year from now so it'll be done when I retire. I know that some banks will back VA loans for construction purposes - does anyone know if USA...
Dear USAA: I would like to recognize our loan officer, Ramon Ellis, and our loan processor, Shea McDowell, for their hard work in getting our loan to closing in under 45 days. I will admit that I was hesitant at time that they could pull it off, but they did it. Their work was well done and they wer...

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