A little less than a year ago, July 21, 2008 to be exact, our home burned down due to what the fire department claimed as a faulty stove. My husband contacted USAA not long after the fire to report the claim on our insurance. Since then our fight has just been a down hill spiral. We had 3 different adjusters at first, 2 of which were extremely helpful and basically felt our pain of losing everything. The other one, the cause and casualty adjuster could not have been worse. He looked at me and my husband like we were rats. About a month after the house burned down we got a call from our first adjuster telling us that the insurance would be paid out and we would be getting a check within a week. The next day he called to let us know that the check would have to wait as I had not given my statement to the cause and casualty adjuster to date. A week later, I gave my statement only to hear that it could be 4-6 weeks before everything was processed again. 2 months went by and we hadn't heard a word from the insurance company, by this time, we've bought new furniture and settled into a rental house, but now we have, not only our old bills but new rent and furniture bills as well. Our bills started piling up. We got behind on our rent, due to the insurance not paying on time and eventually had to move out of this house because the landlord could not wait any longer on them. We moved into a rinky dink duplex and lived there for a month while having the same problems, the insurance would not pay out. By this time, 5 1/2 months have passed and we have barely seen a dime from the insurance company and we have yet to hear a word from them. Christmas was coming up and my husband and I were to the point of filing bankruptcy due to the fact that we could not make ends meet because of all the bills piling up. We had to take out cash advances to buy our son anything for Christmas. And all this time, we're still fighting with the insurance company. One day we'd hear that it was the stove's fault, they were going to sue GE for a faulty stove, the next we'd hear that they had never said that and that they would continue investigating. We had even contacted an attorney for assistance, we wrote the insurance commissioner, we did everything we could thing of. Right after Christmas, the owner's of the duplex we were living in sold the property and the new owners decided to evict everyone so they could remodel and raise the rent. So now, our third time moving, we rented another house on a short term lease as the insurance company has told us that it should only be a few more weeks and we will be receiving a check. Those few weeks pass by only to be followed by a few more weeks until finally our lease runs out and our landlord has all ready rented the property to someone else. By thsi time, we've gotten mixed statements from our NEW (by this time our 5th) adjuster who says to my husband one day the decision was made to pay out and then 2 days later tells me that my husband is a liar and she never said that and to think any different then I am crazy. Here we are not, almost a year to date since our house has burned down and I got a phone from Stephanie, our adjuster, who rudely stated in a voicemail to me that our claim has been denied and we will be receiving a letter in the mail. One year, a year of fighting, and suffering and we won't see a dime. After being insulted, called liars, and told that we are stupid by customer service, treated like criminals during the whole investigation, no assistance, and no caring. We just lost everything, our entire lives were in that house and they show no compassion. What kind of business can do that?