rental car insurance hawaii

has anyone ever had problems getting a claim paid usaa insurance in hawaii?

my soldier daughter lives in hawaii, there was a flood, her car was water damaged, her insurance is usaa, an internet insurance company, they gave her a rent a car, asked her to get an estimate, now, 4 weeks later they told her to return the rental car and they are not going to pay the damage to the car because my daughter took too long, is this legal? my daughter did let them know and they said they would call her back, what should i tell my child to do?

Get an estimate and send it to the internet insurance Company. They do not have an agent to look at the car.
If they refused to pay then she can take then to small claim court. Most court require 3 estimate. You take the numbers off the highest one.