USAA- Guide to Filing

1. Assess the Situation

   - Safety first: Ensure everyone is safe and out of harm's way.

   - Evaluate the damage to your property caused by the incident.

   - Take photos or videos of the damage as evidence for your claim.

2. Locate Your Policy

   - Retrieve your USAA insurance policy documents.

   - Review your coverage details to understand what is included in your policy.

   - Note any deductibles or limits that may apply to your claim.

3. Contact USAA

   - Call USAA's customer service number: 800-531-8722.

   - Inform the representative that you need to file an insurance claim.

   - Provide your policy number and details about the incident, including the date, time, and cause.

4. Provide Information

   - USAA will request specific details about the incident and the damage sustained.

   - Be prepared to provide information about any other parties involved, if applicable.

   - Keep any relevant documents, such as police reports or repair estimates, easily accessible.

5. Choose Your Preferred Method of Filing

   - USAA offers several convenient options for filing a claim:

     - Online: Visit the USAA website and follow the instructions to file a claim online.

     - Phone: Call the customer service number and speak to a representative who will guide you through the process.

     - Mobile App: Use the USAA mobile app to file your claim directly from your smartphone.

6. Schedule an Inspection

   - A claims adjuster from USAA will be assigned to assess the damage.

   - Coordinate with the claims adjuster to schedule an inspection of your property.

7. Cooperate with the Claims Adjuster

   - During the inspection, provide the claims adjuster with access to the damaged areas of your property.

   - Answer any questions they may have and provide any additional information or documentation requested.

8. Review the Settlement Offer

   - USAA will review the information gathered during the inspection and determine the settlement amount.

   - You will receive a settlement offer outlining the amount USAA will pay for the covered damages.

9. Negotiate (if necessary)

   - If you believe the settlement offer is insufficient, you have the right to negotiate with USAA.

   - Provide any additional evidence or documentation to support your claim and reach a fair resolution.

10. Finalize the Claim

   - Once you and USAA agree on the settlement amount, the claim will be finalized.

   - You will receive payment for the covered damages, minus any applicable deductibles.

11. Follow-Up

   - Keep copies of all correspondence and documents related to the claim for your records.

   - Stay informed about the status of your claim and any additional steps required for resolution.

12. Conclusion

   - Filing an insurance claim with USAA may seem daunting, especially if you're a beginner, but following these steps can help simplify the process.

   - Remember that USAA is committed to providing exceptional service to its members and helping you recover from unexpected events with ease.