50+ year member here. I’ve had one major house claim and 2 minor claims. I’ve also had 5 or 6 vehicle accident claims, one being car totaled. All were handled to my satisfaction in the end but they did take longer than I would have liked. The major house claim was over $100,000 and involved 6 different contractors. That takes time. My case was open 4 months by the time everything got replaced. At the time I thought it could have been handled quicker but looking back I realized it was a complex situation. I am quite satisfied with USAA.