I reported a theft claim 6/26/11. USAA has done everything that they could possibly do to drag out this claim and not pay it. I have had USAA insurance for 16 years without a claim. I have never been in trouble with the law. Yet, I found I was paying multiple policies on the same house, and now that it is time to pay out the claim, the company is trying to investigate me again. These people have to be held accountable. I have unlimited dwelling and USAA wants to put me out on the streets at Xmas

eason: Claim problem, Claim delay, Premium problem, Policy problem,

Details of complaint: My original policy began with USAA in 2007. Since my emails to Mary Kemper those emails with all the policies have been purged. I purchased this home in 2005. At the time I lived in New York and had renters insurance on my New York Apartment, my mother lived in the house full time I traveled with my job an I had a policy on the house. In Ocotber 2007, my mother was diagnosed with ALS, Lou Gerhigs. My sister lived in Michigan and had a ranch style condo covered through USAA. All USAA policies held by my sister, my mother, and myself, fell under my dad, Ronald Simon McMillon. My sister walked away from her job to care for my mother. During that period the pipes burst. USAA paid her about $15,000 and then dropped her, and her claim, stating that their was an invoice from the cleaners that had a weight on the un-saveable clothing they returned to her. For that reason they dropped her claim, stating that she added an un-saveable clothing box, even though USAA sent her the invoices. They closed her banking account, everything. As my sister was the only one caring for my mother, she lost everything and had to declare chapter 7. My Dad, a diehard ex-military man had USAA on his two homes and 5 or 6 cars. There was never a claim. On February 14, 2008 I walked away from my job in New York to help care for my mother. I notified USAA. In July 2008 my mother, a nurse, passed away. I notified USAA and continued to care for my grandmother in my home until October 2009. At that time my sister got a job, as the assistant manager for quality assurance in Dearborn, MI. She did not have much to move, as she lost everything to water and mold when the pipes in her home in Michigan broke in several locations. Holly got a Uhaul and moved her things to Michigan. Holly has a lease, a business card, and paperwork, from December 2010 where the moving company picked up her furniture for storage, and then where to deliver it when she found a place in Georgia. My grandmother was 110, she loved Xmas. We left the Xmas tree and lights up from Xmas 2010 and had a special 2nd Xmas for her in February 2011. Holly and I actually missed the first Xmas in December, we were in Michgan packing her apartment. Lena was staying in Beauvais Manor by that time, but she came home for the special Xmas. She is in the photo below along with how the house looked just months prior to the break in. There was a lot of sorrow. We lost my mother in July 2008, my sister Holly Steele's paternal Grandmother (who always treated me as a grandmother) six weeks later. In October, 2008 we lost Holly's paternal Uncle. Then in July 2009 we lost Holly's paternal, youngest aunt, it was just too much. Holly's job was over, I came to Michigan for a while in April, I had been working for US Bank in Saint Louis and working through Kelly Services so I was in the home alone. Holly decided to move to Atlanta. Her things were picked up by the movers and were to be placed in storage until she found a home in Atlanta. All this information was given to USAA. After the death of my grandmother, on the very same day as her funeral, my Aunt Barbara Golden was diagnosed with Uterine Cancer. Literally, we left the funeral for the emergency room. My aunt had surgery. After a recovery period she was to start chemotherapy. I joined Holly, who was living at an extended stay hotel to find a home. She decided to find something that my aunt could stay in. I went to Michigan with her, helped drive the car from Michigan to Atlanta, and we looked for a place for her to live. After finding one, we returned to Saint Louis as my aunt was starting chemothrepay or had started and I was taking her to her chemo sessions. So I was back and forth out of town a few times. I do know that in April there was a major tornado that hit Saint Louis, Missouri and ripped the roof off of the airport and left devastation following highway 270. I received an a letter from USAA about the tornados and asking if I had enough coverage. I really took that to heart and I changed my policy. The primary changes were for the structure of the house, but I did add a jewelry ryder. I inherited much from my maternal Grandmother, my maternal step-Grandmother (she is the one who passed in February 2011) and my mother, as well as my own things. I received a call asking if I was going to cancel the other policies on the home and the renters insurance. I let them know that had been cancelled long ago. The customer service person indicated it was not. USAA will not send a copy of this update. I did add $40-$45k in jewelry coverage and was still woefully under covered. I received a letter stating that due to my credit history, which took a traumatic hit during my mother's illness, the policy was changed. What I did not know was that I continued to pay for 3 policies after USAA was told time and time and time again. After the report of the theft, I was under investigation for 6 months. I was never notified officially and I cooperated spending time, that I was told that I would be reimbursed for, due to my cooperation. I was paying out of pocket for everything. I sought assistance and got a Public Adjuster Inman and Associates, who have been a sad disappointment. It has been 18 months since my claim. Missouri law and my own policy have not been followed. Since USAA does not give money back, but gleefully took it and continues to take it, then I should have additional coverage. As credit score cannot be utilized in Missouri, my jewelry ryder should be acknowledged. USAA has had a spreadsheet of stolen items for 6 or 7 months. The public adjuster and Chris Kelley are still ambling around on the dwelling. This is my claim and I want to replace my stolen items. I would like my ALE that is due. This company has put such a financial strain on me that it has taken it's toll on me, my sister, and my aunt, who passed away November 19. Additional family members six of seven have passed away during this time. Our Aunt was our mother's older sister. I do not want to spend another Thanksgiving (which ended up being a trek to get my aunt's body. Medicare wanted to know after her amputation that she had a place to go (prior to all of this she lived on her home). Barbara had too many steps to return to my home and it has been 18 months and Josh Newton is is charge of stolen items. It has been 18 months since the theft. The criminals were living in the home, they defecated, urinated, stole the motors or some workers from all 3 fridges in the home. Since it took USAA 3 months to come to the house it was filled, like a horror movie, with millions of gnats. Over 18 bug bombs were set off, there are gnat bodies and poison in everything. The police found tons of medicine boxes and pots with stuff stuck in them, I was told my home was possibly used for meth. ARRS the restoration service deemed almost everything as un-usable. Now USAA is questioning ARRS and there has been no movement on the home. Furniture that was in the home was broken and almost ALL household items placed in the garage. The gnats are back. If items were saveable, they are not know. All furniture in the home down to the dishes were purchased new when I bought the house for my mother. Her partner and fiancée had died and this was a new beginning. The only things not new, were the dining room set, the master bedroom set and the 2nd bedroom set and one television in the basement. All other furniture was purchased in 2005 along with the carpet for the basement. Except for the china, all dishes, mixers, toaster, microwave, pots, pans dinette set, living room furniture, basement furniture and patio furniture were new. As well as all decorations. My grandfather fought in WWII, the Korean War, and the Vietnam War. There were many heirlooms that he sent home. I had photos and I had to show what I inherited verses my sister. There was much silver, Waterford, and Japanese ivory and such, there are pictures of the items in the home, and I had to account why I had photographs of the items and the photographs were clearly years old. USAA has put me in a financial bind. I could loose this home. I want to know why we cannot work on replacement of theft which is what I asked for from day one, the house really needs to be gutted, disinfected and fixed!. I need to know how much I have in coverage since I was paying for 3 policies'. I have read the policy and found all the breaches, not Inman and Associates, my public adjusters, they seem to be inept|. I am begging for any assistance as rules in my policy have been ignored, Missouri law, and it is 18 months, this is crazy/. I don't want to live in a hotel anymore". I want funds immediately for replacement of stolen items and a clear answer of how much coverage I have since I was paying for 3 policies up until 6 or 7 months ago:. I will email all information instead of attaching it,. USAA has been busy since I contacted you purging documents that have been on file since 2007'. I believe Josh Newton may have gotten rid of everything with his name on it. 3088b64