Our goal is to pay claims as quickly as possible once we've determined what we owe you based on your coverage.

Payments may be issued to you, the mortgage company or the repair company, among others. If the payment is eligible to be issued in your name only, it will be based on the payment information you provided, such as by paper check or electronic funds transfer.

The mortgage company requires their name to be listed on claim payments issued by USAA. The check must be given to them to endorse before submitting it to your bank for payment. Checks that aren't properly endorsed will be returned without payment.

Please contact your mortgage company for endorsement instructions. If your mortgage company requests an adjuster worksheet or report, give them your repair estimate.

If there's an issue with your payment, contact your adjuster. You can call them or reach out through the Claim Communication Center.

The deductible is the specified amount you elected to pay out of pocket in the event of a claim. We'll automatically subtract your deductible from your claim payment. You're responsible for paying your deductible directly to the party repairing your property.

You can review your policy and deductible on your "Account Summary" page under "My Accounts" on usaa.com or the USAA Mobile App.

Most insurance companies typically make two payments for a covered loss. The first payment is for the depreciated value of the covered damage at the time of your loss.

A second payment is sometimes made once all the covered damages are repaired. This additional payment is often referred to as recoverable depreciation, or "holdback."

For example, if there's damage to your 10-year-old roof, the first payment may reflect the value of a roof that's 10 years old. Once the roof is replaced, you may be reimbursed for the remaining cost of a new roof of similar kind and quality.

Send us copy of receipts or invoices for repair or replacement of your damaged property through the Claims Communication Center on usaa.com or the USAA Mobile App. You can also use the email address associated with your claim. Your adjuster will review the material to see if you qualify for a payment for recoverable depreciation.

Any additional payments issued from USAA will account for prior payments and your deductible.