You should thank God you didn't get USAA's insurance. They screwed this disabled veteran over real good on homeowners insurance. I had to pay $4708. to fix my own roof. I even hired two contract roofers and an inspector to take pictures and give reports to USAA and they still denied my claim.
And if that's not enough just go to the BBB website and you'll see more than 750 more unresolved complaints just like mine. The only people who like USAA are those who have not yet filed a claim.