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My parents and I use USAA out of San Antonio. A few years ago, their house caught on fire. I found out about it through a phone call from the neighbor who had also called the fire department. When I arrived, my dad was just driving up and saw 3 fire trucks in front of his house. There was about $100,000 in damage done to the home. He was understandably in shock. I asked him for him member number and called USAA by cell phone. They had an adjuster there within an hour. The fire department wasn't even out of the house yet. He had a check for $5,000 in hand within 2 hours after the fire just for incidentals. I have always had great customer service with them.
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