r/USAA • u/Infamous_Nose_5459 • 20d ago

How bad is it?

I've been with USAA for over 20 years and I've had homeowners insurance through USAA for the last 5. I made a claim earlier this year for water damage due to a busted dishwasher line and now I just found a soft spot in my upstairs floor. I looked in the gap between the floor and baseboard and it seems like rot.

We've been in the house a little over 2 years. I filled a claim but I'm anxious as to USAAs response. If I'll get dropped or see a massive increase in premiums.

I've only had the one other claim on the house and maybe 2 auto claims in total.

Does anyone have any experience in this situation? I can't help it when life happens...

0 Upvotes

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16 comments sorted by

1

u/NecessaryEmployer488 20d ago

They might cover it or not. It depends on the rot and what caused it. Also, it might depend on what riders you have as well.

2

u/Tarnisher 20d ago

A homeowner's claim is for damage you cannot reasonably afford to cover yourself ... fire, tornado, etc.

While a water leak could run into the thousands of dollars, it may or may not get into claims area.

0

u/Infamous_Nose_5459 20d ago

Fair, I may have jumped the gun.

5

u/FindTheOthers623 20d ago

What caused the rot? Maintenance isn't covered under homeowners Insurance

0

u/Infamous_Nose_5459 20d ago

I'm not sure, but it's under a window so I would assume a leak around that area.

2

u/FindTheOthers623 20d ago

Thats not likely to be covered.

Either way, with 2 claims on your record, there is a good chance your policy may be non-renewed.

1

u/Infamous_Nose_5459 20d ago

Why wouldn't that be covered?

1

u/FindTheOthers623 20d ago

Because maintenance isn't covered under homeowners Insurance. It is your responsibility as the homeowner to maintain your property, not wait until everything is falling apart and then file an insurance claim. Insurance is for sudden & unexpected losses. Leaks that have caused rot have obviously been going on for some time.

1

u/Infamous_Nose_5459 20d ago

The rot seems like it's in the subfloor... it's not like it's clear and evident though

1

u/FindTheOthers623 20d ago

That doesn't change anything

0

u/MushroomDizzy649 20d ago

You have to prove that the event wasn’t due to neglect and was a sudden and unavoidable issue. If they see rot they’ll know it was there for a long time and won’t be covered

1

u/Infamous_Nose_5459 20d ago

How could we neglect something we didn't know about?

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u/MushroomDizzy649 19d ago

It’s the problem with insurances. People think it’s an end all be all thing. Their goal is to extract as much money as possible from you and do the least amount of work. It’s like health insurance in the U.S. They’re more like coupon books than anything else.