On July 3rd, 2009, I filed a complaint about USAA home owners insurance. I have not been on line to comment or to answer any questions that others have posted for me. To formerinsurancedjuster: I can only tell you of my experience. My home had been inspected by different insurance adjusters from USAA. The last adjustor after previous adjustors (who never told me) was the one who told me about the roof after there had been several storms and tornados over the years I lived there. To why the other adjustors did not tell me, is a question to them. However, when I talked to Teresa Raymond, Public Relations (1(210)282-1823, I'm not sure that's the same number for her), she was the one after the last adjustor and only adjustor, told me about the roof and she said that that information was internal documentation and that it "was privy" to USAA only and that they do not tell home owners how to maintain their home, they just tell them what they will and will not pay for. When she told me that the roof had been the source of the leaks and they had known that since the first adjustor came to our home over a year and a half ago when this started, it became quite apparent that what the other adjustors told me and what they filed with USAA was two different things. I was out raged. I asked her how can they not tell me what they found the first time around so repairs could have been made. However, they said nothing but to get over it and to move on with my life. None of the insurance adjustors as I recall gave me any paperwork, all information was verbal. As with the representatives, all instructions were verbal. There is a debate to rather the roof was as old as they claimed, I have had several different roofing companies at that time come to the house and they all said that the roof was not as old as USSA said it was (35 years old), and materials that was on my was not 35 years old and no roof would last that long. You see in Georgia, up until recently, roofers did not have to file for a permit with the city to repair your roof, and if it is not filed with the city then it appears that no work has ever been done according to their records. My home had been completely remolded and done by licensed contractors and approved by VA before we could even buy the home.
As to the origins of this horrific ordeal, I had said previously that we had had many bad storms and tornados in my area, which will cause damage and then some. They were never up front and wanted to save money at my family's expense. So, I am suing.
It is about the principle and because my spouse is still military, we have relocated. USAA attorney's scheduled a deposition for me in November 2010. After I spent money on tickets and was in Georgia, the USAA attorneys canceled. While there, because my immune system had been so affected by the mold, I caught a serious cold and became very ill after being in Georgia for only three days. My respiratory system started to shut down on me. I flew back home very ill and had to go to the hospital and was admitted immediately because I could not breathe. I am on two different inhalers, one with steroids, and have to take medications and precautions everyday due to the deterioration of my health. A simple cold will affect my breathing and left unattended my respitory problem becomes unreal. My breathing becomes shallow, my chest tightens up, I can't get enough air into my lungs, and I gasp for air to talk. My doctors just told me that my respitory problem is not under control and different actions have to be taken such as a nebulizer to expand my lungs when I'm not getting enough air. Going outside for six hours leaves me with a mild cold and then I have to stay in the house and nurse myself back to health. My husband when I'm sick stays up at nights to ensure I'm breathing, then he has to go to work and put in 15 or more hours at work as a SGM, and I know that he is tired and I worry about him. Who would have thought that mold can change your life and family's life forever. Each year I get older, the weaker my immune system becomes. My son who is young has had to be rushed to the hospital via ambulance for unknown origin of fever. So please provide me with some information to why they would not give me a report, why they would not inform me when they got the initial report in which they said was the roof, and why they kept telling me different things was the cause of why the house was flooding? We dumped a great deal of our own money chasing different adjustors’ ideas with what was wrong with the house. From air conditioning, to buying equipment they suggested, to plumbers, and replacing piping because it was thought it would help. So please give me some insight. Because I just don't understand why USAA did what they did or why? I did report them at the time to the insurance commissioner's office. However, they are pro insurance and the consumer's voice is never heard unless you scream at the top of your lungs, which I find very difficult to do due to shortness of breath. They never got back to me since I filed.

SO I SAY TO YOU ALL WHO HAVE DEALT WITH USAA OR DIFFERENT INSURANCE COMPANIES AND HAVE HAD SERIOUS SITUATIONS SUCH AS MINE DON'T END UP LIKE ME. FORCE THE ISSUE; GET IT IN WRITING, TAKE DOWN NAMES, PHONE NUMBERS, AND DATES AND TIMES CONVERSATIONS TAKE PLACE. THEY ARE LIKE ANY OTHER BUSINESS; THEIR PRESENCE HERE IS TO MAKE MONEY AND PROFIT, NO MATTER THE CONSEQUENCES. I'M NOT SAYING THAT ALL INSURANCE COMPANIES ARE BAD, BECAUSE EVERY COMPANY HAS THEIR COMPLAINTS. ALSO, HAD I NOT DOCUMENTED, GOT NAMES AND NUMBERS AND CONVERSATIONS DOWN, I WOULD NOT HAVE ANYTHING FOR MY ATTORNEYS TO FILE SUIT. BE CAREFUL; PROTECT YOUR FAMILY, YOUR HEALTH, AND YOUR ASSETS, ESPECIALLY YOUR CHILDREN; BECAUSE WE STILL DO NOT KNOW ALL THE LONG TERM SIDE AFFECTS THAT MY SON WILL CONTINUE TO EXPERIENCE THROUGHOUT HIS LIFE BECAUSE WE LIVED WITH MOLD INFESTING OUR HOME SO LONG. HE'S WHAT IS IMPORTANT, THE DAMAGE TO MY RESPITORY SYSTEM IS UNDESPUTED; MY CONCERN IS MY SON AND THE ACCOUNTABILITY THAT USAA HAS TO HIM IN THE FUTURE, HENCE THE LAWSUIT. I ALREADY KNOW MY HEALTH IS HORRIB LE AND POSSIBLE THAT LIFE SPAN HAS BEEN CUT SHORT AND THERE IS NOTHING THAT I CAN DO ABOUT IT, I'VE ACCEPTED IT AND NOW HAVE TO ENSURE MY SON IS TAKEN CARE OF. JUST LIKE THAT, USAA CHANGED MY LIFE BECAUSE THEY DIDN'T WANT TO PAY A CLAIM AND BE HONEST. HAD I NOT BEEN SO TRUSTING AND BELIEVED THAT USAA HAD ME AND MY FAMILY'S BE INTEREST AT HEART, AND FOLLOWED ALL THEIR INSTRUCTIONS EACH TIME WITHOUT QUESTIONS, I WOULD BE HEALTHY, NO EMERGENCY ROOM VISITS, CONSULTATIONS WITH DOCTORS OVER MY BREATHING PROBLEMS AND MY SON WOULDN'T HAVE SIDE EFFECTS. LET ME BE THE CAUTIONARY TALE TO QUESTION, ALWAYS QUESTIONS!

I SEE MY ATTORNEYS IN TWO WEEKS, AND I'M NOT LOOKING FORWARDS TO FLYING, OR EXPOSING MYSELF TO A DIFFENT CLIMATE CHANGE THAT CAN MAKE ME ILL, IT'S A RISK TO MY HEALTH, BUT IF I DON'T GO AND FACE USAA, THEY WIN AND THEY HAVE NO ACCOUNTABILITY AND THEY GET TO DO THIS AGAIN AND AGAIN. SO, I'M GOING TO RISK MY HEALTH AND PRAY I DON'T HAVE SEVERE RESPITORY PROBLEMS WHILE AWAY OR UP IN THE AIR ON A PLANE WHERE I CAN’T GET ANY HELP. BUT WHILE I'M THERE, IF ANYONE WANTS ME TO GIVE THEIR NAME AND INFORMATION TO MY ATTORNEYS AND IF A CLASS ACTION LAWSUIT IS POSSIBLE, I WILL GIVE THEM TTHE INFORMATION AND IF THEY HAVE ENOUGH PEOPLE, THEY MAY CONSIDER DOING IT, I DON'T KNOW, BUT ANYTHING IS POSSIBLE. I CAN'T GUARENTEE IT, BUT NONE OF US HAVE ANYTHING TO LOSE. THERE IS MORE STRENGTH IN NUMBERS THAN STANDING ALONE. YOU MAY CONTACT ME AT [email protected]. reference USAA Class Action, Name, Phone Number or email, Situation, and I will pass it on to them to see if they want it or if they can do it. Signing off AND GOOD LUCK EVERYONE, AND AGAIN, BE CAREFUL. THERE ARE PREDITORS OUT THERE. KIM.