USAA Insurance Reconstruction: What Policyholders Need to Know

When disaster strikes—whether it’s water damage, fire, hail, or a fallen tree—USAA members trust their insurance policy to protect their homes and rebuild their lives. But when the claim is filed and the real work begins, who’s rebuilding the house?

That’s where Specialty Contractors comes in. As a preferred reconstruction contractor with over 40 years of experience, we’ve helped thousands of USAA members throughout Dallas–Fort Worth and beyond restore their homes with confidence, transparency, and quality.

In this guide, we’re sharing everything you need to know about working with USAA on reconstruction claims, and how to ensure your home is not just repaired—but rebuilt better.

🔑 What is USAA Reconstruction?

USAA Reconstruction refers to the structural repair and rebuilding process following a covered loss under a USAA homeowners policy. This often follows:

Water damage (burst pipes, roof leaks, slab leaks)

Fire and smoke damage

Storm or hail damage

Vehicle impacts or fallen trees

Vandalism or other insured perils

Unlike mitigation (emergency response), reconstruction is the second phase—where skilled trades rebuild walls, floors, roofs, cabinets, paint, and everything that makes your house a home again.

🏠 Why Specialty Contractors is a Trusted USAA Reconstruction Partner

At Specialty Contractors, we’ve worked hand-in-hand with USAA for decades. As a preferred vendor, we don’t just show up with tools—we bring:

✅ Insurance fluency – We speak Xactimate, understand scopes, supplements, and USAA’s documentation standards.

✅ Accountability – We’re held to strict USAA performance metrics, including response time, communication, and quality.

✅ Experience – Our project managers are veteran estimators and builders—many with over 20+ years in residential construction.

✅ Peace of Mind – USAA policyholders trust that when we’re assigned the job, it will get done right, on time, and on budget.

⚒️ Step-by-Step: How Reconstruction Works After a USAA Claim

1. Mitigation is completed

USAA will first dispatch or approve a mitigation company to dry out or secure your home. This is handled by their emergency services partners.

2. You get referred to a reconstruction contractor

If Specialty Contractors is selected, we contact you within hours of the assignment.

“We reach out the same day we’re assigned the claim. We know how urgent it is for families to get their homes back.”

– Specialty Contractors Project Manager

3. Site inspection and estimate

We’ll visit your home to assess damage, take measurements, and build an Xactimate estimate matching USAA’s pricing standards. We'll explain what’s covered—and what upgrades or options are available.

4. Scope approval

We work with your USAA adjuster to get the repair scope approved fast—usually within 24–48 hours. No surprise costs, no red tape.

5. Scheduling and reconstruction begins

Once you give the green light, we schedule trades, order materials, and manage the full build-back process from start to finish.

🧠 What Sets Specialty Contractors Apart in the Reconstruction Process

We’re not just general contractors. We’re problem-solvers, educators, and advocates. Here’s how we deliver value where others fall short:

1. Design & Upgrades

Want to upgrade from builder-grade carpet to luxury vinyl plank? We help you make smart, affordable upgrades during reconstruction that increase value.

2. Turnkey Project Management

From flooring to roofing to cabinetry, you deal with one project manager, not 10 subs.

3. Fast-Tracked Permits

Need city permits? We’ve pulled thousands across DFW and can expedite the process.

4. Licensed, Bonded & Insured

You’re not just hiring a handyman—you’re partnering with a licensed contractor that’s trusted by over 35 insurance carriers nationwide.

📍 Local Expertise Matters

We serve USAA members across the Dallas–Fort Worth metroplex, including:

Frisco

McKinney

Prosper

Plano

Highland Park

Garland

Rockwall

Colleyville

Southlake

Arlington

Flower Mound

and surrounding areas

When policyholders search for “USAA reconstruction contractor near me”, we show up—because we’ve earned that trust.

💡 Real Questions from USAA Policyholders (And Our Answers)

Q: Do I have to use USAA’s preferred contractors?

A: No—but using a trusted partner like Specialty Contractors ensures faster approvals, guaranteed workmanship, and direct billing. You can still choose your own, but you may be on the hook for quality issues or coordination headaches.

Q: Can I make upgrades during the repair?

A: Absolutely. If insurance covers basic replacements, we’ll show you upgrade options at discounted rates so you can get more out of the process.

Q: What if I already have an estimate?

A: We’ll review it line by line. If your current contractor missed items or isn’t using Xactimate, USAA may reject their pricing. We know exactly how to scope the job correctly.

Q: Will my home look the same?

A: It can—or it can look better. Many clients take this opportunity to upgrade materials, open walls, or modernize layouts.

💬 40 Years of Lessons: Insights from a Veteran USAA Contractor

Lesson #1: "It's not just construction—it’s peace of mind."

“After a fire or water loss, families are shaken. They need someone who doesn't just build, but listens, communicates, and shows up every day. That's our culture.”

Lesson #2: “Don't fight your adjuster—partner with your contractor.”

“Many homeowners think they have to go to battle with the insurance company. When you work with a contractor who knows USAA’s process, you actually get more done, faster.”

Lesson #3: “Cheap contractors cost you more.”

“Every year, we’re called to fix what others didn’t do right. Cut corners, bad subs, incomplete scopes—those delays drag out your life. We finish strong.”

📝 Ready to Start Your USAA Reconstruction Project?

Whether your project is large or small, our team at Specialty Contractors is ready to rebuild with care, speed, and professionalism. We’re proud to have served thousands of USAA policyholders over the last 40 years—and we’d be honored to serve you.

📞 Call us today at (214) 389-5130

🌐 Or visit www.callspecialty.com

✍️ Closing Thought:

"When you trust Specialty, you're not just hiring a contractor. You're restoring your home with a team who’s stood behind USAA families for over four decades. We build it like it’s ours—because in a way, it is."

–Owner, Specialty Contractors