"First a bit of background". I moved to San Diego in June of 07' in search of a new life. Upon arriving here I had my things scattered between where I lived and in another rental storage place. By October things were not working like I needed them to and I was forced to find a storage place that was big enough for my car, motorcycle and all my belonging's, so I rented a Garage from a Private owner and placed Renters Insurance from USAA on my garage. I left town and was not going to return for some time. I had no residence because the company I worked for paid for my accomodations.
I kept all my thing in this garage until August of this year, "2008". I was in my garage on 8/10/08 and things were fine and normal. I left town on business and returned on 8/15/08. Upon arriving I noticed my Garage had been broken into however the weird thing was that my Master Locks were still hanging from the garage door but they were open. Obviously a burglary. They wiped me out. Computer, T.V, DVD's, Bike, Surfboard, Guitars & Equipment, you name it and if it was worth anything, it was gone. Even a loaded firearm. So I called the police. They show up to do the report. I only gave the cop 2 or 3 items that were missing at the time. He told me to submit a list of them when I came up with it and gave me the case #.
So I filed a claim with USAA. Time goes on... They send the Private Investigator out who questions me, my girlfriend, and my other 2 friends who had keys to my place. "They are a nice couple who I've known for years." By the time I see the investigator it's Mid-November 2008. I cooperated. USAA refused to update me or return my phone calls. I continued to bother them. No responses. I cancelled my Renters Policy. What's the point of having it? Here today, , , December 23rd I finally got a phone call from them. They are requesting I do a Examination Under Oath with their attorney. I am refusing. I have cooperated with them thus far and have done research online and basically they are trying to avoid paying my claim. I am going to hire an attorney and file suit against them.
Like the other gentleman that posted, , , , , I was victimized and my privacy was invaded by a Robber or more than one... Who knows how long my garage door was opened for??? Then when i had faith about having Renters insurance USAA Turns around and victimizes me again. I have been with USAA Since 1995 and this is the treatment I get? If you want renters insurance, think about it twice... They want reciepts and pictures of all your items otherwise they won't pay. And when everything you own is in one place and the burglars take boxes that had paperwork like receipts in them, then you're just out of luck according to them. I am in search of an attorney and will not allow them to intimidate me with their lawyers. I have a loss of over 30k worth of things. I have no words to describe how I feel. Merry Christmas!!!