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USAA / diamond replacement

United States, Florida, Tampa Review updated:
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I have a personal property insurance policy on my engagement ring. It was appraised and is insured with USAA for $9830. I have been paying premiums on this policy for 10-years. Recently, I chipped the ring and brought it back to the jeweler from whom it was purchased. They verified the chip and so I contacted USAA. I faxed them the AGS certification for the diamond which provided all the specifications for the diamond. They said that they would replace my diamond for $5300! I asked them to show me the AGS documentation for this new replacement diamond and they could not or would not. They said that I would need to mail my diamond to their lab for further verification. Are they kidding?? The AGS document is a certified document. What more do they require, other than to swindle me out of my premiums on a $9830 diamond and replace it with a lesser valued stone!! IF YOU ARE THINKING ABOUT PERSONAL PROPERTY INSURANCE WITH USAA PLEASE DON'T!! USAA is ripping off it's members.


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N  8th of Dec, 2009 by 
Agree Disagree 0 Votes
Please report them to the BBB
N  24th of Mar, 2010 by 
Agree Disagree 0 Votes
So you are saying that your jeweler is the only one who is actually honest? We all know the appraisals we get at purchase are inflated at least 200%. So yes your jeweler will tell you a higher price then the insurance company that can actually replace it for the real price. stop believing your jeweler, they work off commission.

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USAA (United Services Automobile Association) Logo USAA (United Services Automobile Association)
Customer Service
9800 Fredericksburg Road
San Antonio
United States - 78288
+1 800 531 8722
+1 800 531 8877
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