Steps to complete Our 4-step hail claims process
Tell us what happened. Get started on usaa.com or the USAA Mobile App.
Make sure to take steps to prevent more damage, like stopping any water leaks and securing broken doors or windows.
To get updates about your claim faster, turn on text message notifications in your communication settings.
We'll review what happened and check what your policy covers. You can also add more details in My Claims Center.
Before you can start repairs, we'll need to inspect your home and start an estimate. The inspection will help us figure out how much it'll cost to fix the damage and determine what your policy covers.
We may need more details like photos or temporary repair estimates. We'll also address any claims against you.
We'll go over the details and figure out what to pay based on your estimate, coverage and deductible.
It may include the cost of repairing or replacing the roof and siding, depending on the extent of the damage.
We'll reach out if we need more information.
If covered, we'll make a payment to you or a third party. You'll pay your deductible to the repair company after they complete the work.
For example, if the damage costs $2,500 and your deductible is $1,000, you’d pay them $1,000, and we'd pay $1,500 for the repairs.
If they find more damage, your policy may cover the additional damage with a supplement, but it needs to be approved. Before starting those repairs, message your adjuster.
Check out our video to learn more about the supplement process.
Video Duration: 2 minutes 21 seconds
Description of visual information: [What if my repairs will cost more than my estimate? It's not uncommon to need adjustments if you find additional damage or have to meet building code requirements.] End of description.
If you're faced with additional repair costs that weren't covered by your homeowners insurance claim estimate, you will need to submit a supplement. It's not uncommon to need adjustments, and we're here for you until your covered repairs are complete.
Here's how it works.
What's a supplement to your homeowners insurance claim?
It's an estimate or information to explain the need for additional repair or replacement costs that were not included in your original estimate. You might need to submit one if:
You find additional damage during repairs.
We missed something during the inspection process.
Your contractor estimate is higher than your adjuster estimate.
The cost of repairs is higher than anticipated.
Be sure to review your policy details or discuss them with your adjuster before filing a supplement. Some costs may not be covered, such as, but not limited to:
How does the supplement process work? We make it easy to update your claim online in three steps.
One, gather information for your supplement. To help us process your claim quickly, we'll need documents that support your claim, such as:
Two, submit your supplement online.
Once you've gathered documentation, you can submit your supplement online anytime using the USAA Mobile App, Claims Center or your unique claim email address. After we receive your information, it'll take us about 7 to 10 business days to determine whether your supplement should be approved.
Three, get paid, if approved.
Your adjuster will review your supplement details and coverage and may contact you for more information. They'll provide you with an update on your claim as soon as possible.
If your supplement is approved, we'll issue another payment or add the additional amount to your recoverable depreciation to cover the additional repair costs.
We'll send an updated estimate and review the details with you. You can then use the additional funds to complete your home repairs.
Have questions about your coverage?
We may be able to answer them in our Coverage FAQ. You can also message your adjuster using the USAA Mobile App, Claims Center or your unique claim email address.
You can choose to complete the work yourself or hire a contractor.
If you need help finding a contractor, we can give you a list of qualified service providers. Just message your adjuster.
With a USAA-preferred contractor, you get:
You're responsible for paying your deductible directly to the person or company that makes the repairs.
We'll automatically subtract your deductible from your claim payment. You can find your deductible on your homeowners policy.
Your estimate provides a summary that shows what your insurance will pay for repairs. Here's what's included:
For a step-by-step explanation, watch our video on how to read your estimate.
If you can't find the information you need, give us a call at 800-531-USAA (8722).
