My house was burglarized on 5 May. I had just taken out the renter's policy a week prior when I called to get insurance for my bike. The policy paperwork hadn't even arrived in the mail when it happened(for me to see I didn't have the additional firearms coverage even though they didn't mention it over the phone).
My roommate also had a claim (with USAA) and his adjuster has already paid his claim. Instead of using a bit of deductive reasoning and seeing that if it's a legit claim for him, it's also for me, they've sent it to investigation. The customer service is atrocious. My adjuster is completely out to lunch, and this "investigator" is dragging her feet and completely treating me like a criminal.
I've been a USAA member since 01, but when this is all said and done, I intend to cancel my membership as well. Their adjusters are below average, and their customer service is horrible. I had a similar experience with my homeowner's insurance with them post-Hurricane Katrina. Slow response times, an unreachable adjuster, and poor service.