Honestly? Me.
When we had the wildfires of 2007 rip through our community (look up Westwood and 2007 wildfires), causing damage to my own home, USAA was there the day they lifted the lock down on our community (the one that was on the international news, showing literally rows of homes going up in smoke).
They not only helped us file the claim, but pointed out things we could, and should, claim, aside from the fire damage (lost food in the freezer from the power being shut off, the re-painting of the entire house, not just the corner that got scorched, or the dry wall and garage door that had to be replaced due to it being knocked down by the FD to get at the gas line in the wall that was on fire, professional house cleaning to get all the ash and smoke smell out of the house).
So, yeah, there actually are a lot of people that make claims like this. The problem is no one complains about good service, just when it's bad.