USAA

A member-owned financial services group serving U.S. military members, veterans, and their families. USAA consistently ranks at the top of customer satisfaction surveys for homeowners insurance.

Headquarters

San Antonio, Texas

Claims phone

800-531-8722

Website

www.usaa.com

Xactimate

Uses Xactimate for estimates

What USAA is known for

Serves military families exclusively
Consistently top-rated for claims satisfaction
Tends to pay claims more fairly than average

Filing a claim with USAA

Practical tips for restoration professionals working USAA claims.

USAA is generally regarded as one of the more fair-paying carriers. Still, never skip your own independent scope.

They often use independent adjusters from firms like Crawford or Sedgwick. Know who is inspecting and what firm they represent.

USAA members can often get faster supplement reviews through their online member portal.

Their adjusters are typically well-trained on Xactimate. Come prepared with a professional-grade estimate.

Working with USAA in Xactimate

USAA adjusters write their property damage estimates in Xactimate. When you receive their scope, you can import it into Xactimate and run a line-by-line comparison against your own estimate. Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades. If you start with a PDF estimate from USAA, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.

Common deductible types

Flat dollarPercentage-based wind/hail

Frequently asked questions

USAA membership is available to active duty and former military personnel, cadets, midshipmen, and their eligible family members. Check usaa.com for specific eligibility requirements.

File through the USAA mobile app, at usaa.com, or by calling 800-531-8722. USAA assigns a dedicated adjuster and typically has strong communication throughout the process.

Yes. USAA adjusters and their independent adjuster partners write estimates in Xactimate. Having your own Xactimate scope ready makes the comparison process straightforward.

Convert your USAA PDF to ESX

Upload a PDF estimate from USAA. CapOut processes it and sends it directly to your Xactimate account.

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