United Services Automobile Association: the denial record

Stellar inspected the property and found $329,842.89 worth of damages to the dwelling.

Initially, USAA grossly underestimated the damages to the Subject Property by issuing an estimate of $17,029.86, of which only $3,009.86 would have been payable after accounting for the deductible of $14,020.00.

Moreover, CCS determined that at least $204,548.84 worth of repairs would be required to return the property to its pre-loss condition as a result of the hurricane loss.

The Insured and Insured's representative provided the Insurance Company with all claim-related documents including an estimate to repair covered damages in the amount of $155,268 and other supporting documentation and/or information.

The Carrier misrepresented to the Insured that the resulting interior damage fell under the Policy's $6,570 deductible.

According to the claims determination letter, the Insurer calculated the replacement cost value of the loss at $45,210.21, but withheld $127,340.74 in recoverable depreciation, which represents approximately 39% of the total claim.

FIRM timely notified USAA of the damage sustained to the property and contemporaneously provided an estimate of the damage in the amount of $67,338.37.

Insured reported the loss thereafter to UNITED SERVICES AUTOMOBILE ASSOCIATION ("Insurer").

Moreover, LSC determined that at least $32,524.76 worth of repairs would be required to return the property to its pre-loss condition as a result of the windstorm loss.

Insurer failed to retain the experts needed to perform the inspection and needed to address the damage at issue and determine the repairs needed to restore the property.

UNITED SERVICES AUTOMOBILE ASSOCIATION can cure the violations contained herein by issuing a payment for all contractual damages owed, per estimates of $55,045.[address redacted]us interest, costs, and attorney's fees.

It is clear by the language of the carrier's denial letter that it did not determine what caused the damages observed at the property.

USAA completely failed to appear for the December 18, 2024 inspection, further delaying the claim and risking further damage to the Insureds home.

The Carrier performed a cursory inspection of the Insured Property and failed to retain unbiased experts necessary to scope the entirety of the Loss and covered repairs necessary to restore the Insured Property to its pre-loss condition.