USAA review: Insurance homeowner

August 22, 2023, reported water leaking into home from roof top over upstairs bathroom from night thunderstorm. Went into attic found a water leaked into insulations and a cracked board in roof top, fixed area above to roof top stop leak. Ceiling cave into bathroom tub area drywall plaster and sheet rock along with wet insulation. Insurance company sent out inspector which only look at bathroom and roof top never went into attic or finished basement below. I submitted pictures showing where water had gone into and staining ceiling below & walls. Gotten quotes for damages, and to open areas to repair, Insurance company wanting more break down contractors cannot nor do that just giving price to repair damage area. Garrison feels it a remodel, but I have no bathroom ceiling in upstairs bathroom, Kitchen wall paint has riffle and peeling upstairs rooms smell musty. Grandchildren live in home which their father is an active 16 years in Navy stationed in Jacksonville Florida. Barely get any contact from insurance company they insist it below my deductible and refused contractor bids presently, no emails either are being sent to us. No one cares it seem they say need more information than they need to come back how many months does it take? It seems you pay for nothing when getting insurance coverage. Poor pitiful service.