Lucky you. I have filed two claims for real property following weather damage and neither of the two were paid. So I paid all repair expenses AND year's worth of annual premiums. 

I asked in both instances that they prepare a written denial, but USAA does not do that apparently. In my experience they do not want to provide anything in writing that can be challenged. The only thing I received both were telephone calls that reflected significant and unexplained logical errors and obtuse reasoning. AND I found it impossible to address my concerns up the "chain of command" as they refused to provide requested names and telephone numbers.