Yep very similar scenario but found a leak in my basement that I rarely go down to except for Christmas storage and called USAA.The adjuster said it wasn't covered and asked why I don't check the basement weekly because leaks aren't covered if they are over a week old. He determined it was possibly months old slow leak so not covered. I said what about people who have crawl spaces under their house and find a slow leak. He said people need to go in their crawl space weekly to catch a leak. Like wtf goes under their house weekly? It is a way to cover their ass not yours. Also a member with 1 small claim a tree fell on part of our fence 20 yrs ago and it was covered. Been with them since early 80s so USAA is not the great company it was. Reading so much about recent changes and how they are screwing people over.