So, as many of you know our house was burglarized over the Fourth of July holiday. We had USAA renter's insurance and subsequently filed a claim...here comes the sticky part.
When I purchased the policy over the phone, I asked explicity about several collections (namely my firearms) I had and requiring additional coverages. She said, "We offer additional valuable personal property insurance for items such as this...blah blah blah in 10000 dollar increments..." I responded that it sounded good. She then went on to quote me a price and I purchased the policy. I never recieved a large policy declaration packet but payments as discussed came out and renewal declarations seemed right.
Several days after I reported the claim, USAA's adjuster calls me and gives me a total for the claim which was about 12k lower than what I reported. When I asked, he responded that "Most of your claim value is firearms, which are not covered beyond 2k." I replied that I had purchased a VPP policy and he said that no such policy was ever written. I explained the above and he said that he and his supervisor would review the initial purchase and see if there was a "lack of service".
Today, I find out that despite the adjusters finding that there was a lack of service, the underwriters concluded that they will not honor the loss of my firearms collection and that, in short, I am out 11000$.
I feel like we're being robbed twice. I want to pursue this farther. Any sage advice besides get a lawyer.
Lastly, if you have insurance with USAA, I strongly reccomend going elsewhere with your business. For all their talk about trying to help servicemembers etc...they don't back it up when the music stops. They will be losing all of my business.
When I purchased the policy over the phone, I asked explicity about several collections (namely my firearms) I had and requiring additional coverages. She said, "We offer additional valuable personal property insurance for items such as this...blah blah blah in 10000 dollar increments..." I responded that it sounded good. She then went on to quote me a price and I purchased the policy. I never recieved a large policy declaration packet but payments as discussed came out and renewal declarations seemed right.
Several days after I reported the claim, USAA's adjuster calls me and gives me a total for the claim which was about 12k lower than what I reported. When I asked, he responded that "Most of your claim value is firearms, which are not covered beyond 2k." I replied that I had purchased a VPP policy and he said that no such policy was ever written. I explained the above and he said that he and his supervisor would review the initial purchase and see if there was a "lack of service".
Today, I find out that despite the adjusters finding that there was a lack of service, the underwriters concluded that they will not honor the loss of my firearms collection and that, in short, I am out 11000$.
I feel like we're being robbed twice. I want to pursue this farther. Any sage advice besides get a lawyer.
Lastly, if you have insurance with USAA, I strongly reccomend going elsewhere with your business. For all their talk about trying to help servicemembers etc...they don't back it up when the music stops. They will be losing all of my business.
