Liberty Mutual - Homeowners

I am the owner of TriCounty roofing. I have a contract with Angela ** of ** *** dr. Langcaster, TX to repair her roof. She contacted Liberty Mutual for a meet between my company and the assigned adjuster for Liberty Mutual at the client's home. My supervisor arrived on time to see another roofing company called by the adjuster Jay **. I called Jay and asked him why he had another roofing company at my job site. He stated it was for a ladder assist to get on the roof. I asked him if the customer had told him our company would be there to assist and meet him and he said yes. So I asked him why he called the other company and he said Liberty Mutual wanted him to call them because they didn't want him on roofs. I asked him if my roof getting paid for was determined by my competitor. He said no. He went off my competitor's info but he determined it.

So I asked him if he got on the roof and he said yes. So why did he need another roofing company? Of coarse, the roof was not approved (no surprise there) since my competitor wasn't getting it! I called Hancock Roofing and they knew my customer's claim number which is confidential and they weren't giving permission by the homeowner to have! Hancock said they don't do roofs but their website shows they do. They said they only do the adjusting for the insurance companies. I asked her if their guy was a licensed adjuster and she said not necessarily. I went to the BBB website and couldn't find Hancock Roofing as a member.

So in short, I have been a licensed contractor for 23 years, BBB rated A+. I have licensed adjuster on staff. I even have a public adjuster on staff! But your insurance company calls my competitor and has him show up at my customer's house for a supposed ladder assist when we have a roofer with a ladder there without consulting my customer or me about it. The roofing company they called says they aren't real roofers nor insurance adjusters and help determined whether my customer has enough damage for a roof! I am not happy. Then your adjuster says he doesn't have to discuss what he did at my job site. But he had no problem discussing it with Hancock Roofing! Tomorrow, I'm contacting the insurance board in Austin and filing a complaint then my attorney! If you would like to discuss this, email me **@yahoo.com.

Liberty Mutual canceled my homeowners policy and did not notify me. They said they sent a letter they were canceling Florida policies, but I did not receive one. I had to find out from a co-worker that they were canceling Florida policies and when I checked, it was 3 days expired. I immediately called my escrow company who told me they had sent a letter also and put me on forced placed insurance. I can't even get a good rate on a policy now after 30 years of home owners insurance and never missing a payment due to their lack of caring. No one can come up with a tracking number or sent anything certified mail. My mortgage company Bank of America sent the letter Jan. 9th 2012, 20 days after the policy expired.

A homeowner insurance adjuster came to my home to assess damages. When he sent me the picture he had several pictures of my granddaughters, who are minors, and my 19-year old daughter in their night gowns. He did not ask or inform me that he was photographing us. I feel that our privacy have been violated and now these pictures are out in cyberspace. My granddaughters' mother, who was at work at this time, is now very upset and wants to file a lawsuit. Is this a violation of privacy and civil rights?

We had a flood during Hurricane Irene. We were passed from one agent to another. We waited forever. The agent to come and view the damage finally arrived and took some photos, in his rubber boots in our basement. We tried and called a water mitigation company to come and get the water out of the basement only to have Liberty Mutual tell them to leave. Yup - three months later of phone calls, jumped the agent, conflicting agents, you name it. My favorite tactic of Liberty is not to answer a direct question.

After the basement was dried out, we got no help from Liberty at all. Thanks. They came again for another inspection, and then sent another check for mold mitigation. So, you would think at this point we could hire someone as they keep on telling us to hire (you can use whoever you want and feel comfortable with - Liberty Mutual speaks). Meaning, we just won't pay you for it, even if you provide proof of photos, documents, and all. We decided on a whim to throw you way. So, off we go to finally three months after the fact to remove the rotten carpet, wood, drywall, and all the other smelly, stinking mess of our basement.

I keep in touch with Liberty Mutual. I keep them posted on the problems they are finding when they are ripping out the walls, that they left to sit in water, for three months, and some of the electric issues. I got nothing from Liberty, but I do get the fun time of getting handed off to about 6 different agents, telling me that they will look into it and never hearing back. I would like to point out, the agents themselves at Liberty Mutual when cornered or asked a direct question, will throw the "company" under the bus at any opportunity that they get. So, way to support your company!

They sent out another agent, Scott **. He was a jerk. This was onsite agent number 5 coming to the house. He refused to speak with me but only to the new contractor. We had to fire our old contractor as they never showed up. Mr. Scott was there to bull and harass the construction crew and be a jerk, end of story. He was trying to tell me I shouldn't have done any work at all. I was "What are you talking about? 4 months is a long time to not do anything. You have all the photos." He then demanded the photos. I asked, didn't he review the file before he came over, because it sure seemed like he didn't? We have tons of photos, before, during, and after.

He also kept telling me he wasn't there to speak with me. This is after he cancelled the appointment with me twice. I asked him to tone down his attitude or else he could leave. He was hostile. I called Liberty Mutual and demanded to speak with a supervisor due to the subcontractor since he wasn't a Liberty Mutual agent. I was then told no, he was there to "inspect" the mold damage. I again said that was done two months ago, and "The agent here doesn't want to speak with me." Since it's my house and my claim, he should want to discuss this with me, not my contractor. It seems that Liberty Mutual and Mr. Scott have two different agendas, conflict of interest. Mr. Scott was rude, hostile, and did make his presence known that he was only there to speak with my new contractor.

Liberty stated that Mr. Scott was there to inspect for damage (duh?). Mr. James **, the supervisor, asked us to provide again more photos which we did, and fastpro the mold mitigation company which they can contact. But for Liberty, that would be too easy.

I insured my home with Liberty Mutual/ Geico Insurance Agency back in December 2010 and my Escrow company paid the premium through December 2011. I received a letter in the mail stating my policy had been canceled due to lack of payment. After calling my mortgage lender, I confirmed that they did in fact pay the policy through the end of this year, and that there must be a different explanation. Upon calling Geico/Liberty Mutual, I discovered that an additional $482 was added to my policy for earthquake coverage based on a letter they claim to have sent out. They said that they sent a letter giving me the option to "opt out" of earthquake coverage, and that by not responding or returning the letter, I was opting in. I never received such a letter, nor did my mortgage lender, who paid the policy to begin with.

I never requested, authorized, or received any notification about earthquake insurance, so it's absolutely absurd of them to take the money I paid to cover the insurance in full for a year, and use it at their own will. I spent over 7 hours today making phone calls back and fourth to Geico/Liberty Mutual trying to resolve this matter, and was told that since I didn't return the letter the coverage is automatically valid. After expressing my frustrations numerous times I was told that if I signed the letter now, opting out, they would send it to Liberty Mutual's underwriters and get it rolled back and my policy could be re-instated. I sent the letter back promptly via fax, only to be told that they for sure sent the letter back in February and they could not assist me any further as they were not willing to roll the insurance back.

I have never been treated with such disregard and disrespect by a company in my life. They also told me that if I could prove I had earthquake insurance through another company that they would consider reinstating my policy. They did confirm that they did not receive authorization from me, however not returning the letter was "authorization enough". They basically stole $500 from me for coverage I did not request or authorize. And now I am left without coverage, and re-instating coverage is set to cost me $500 out of my Escrow account, which of course raises my mortgage payment to cover the lost.

My policy got cancelled, the "full year payment" I made to Geico/Liberty Mutual was used in 6 months by them adding on coverage i did not authorize. I had to pay another company nearly twice as much to get new homeowner's insurance. I contacted the Washington State Office of Insurance Commissioner and presented all the evidence (the discrepancies, lies, and downright disregard) and they determined there was nothing they could do. My husband and I are in the mindset to now pursue them legally.

I applied for home owners insurance with Liberty Mutual because my rate with Farmers was up for renewal and Liberty Mutual offered a lower rate. Liberty Mutual intercepted my home owners insurance impound monies from Chase Mortgage. Next, Liberty Mutual denied the home owners insurance right after they intercepted the money. The reasons for denial were bogus. Liberty Mutual stated that the paint was chipping on our house and that we had vicious dogs on the premises. Firstly, our two dogs collectively weigh less than 15 pounds. One is a miniature long-haired dachshund and the other is a little Havanese poodle who is skinnier than the mini-dachshund! Next, our home is made out of stucco. We have a small dent in the stucco from moving furniture. I polled several competing insurance companies and each one stated that denial of a insurance policies based on chipped paint seems odd. One insurance company went on to say that sometimes when an insurance company doesn't want to write a policy in an area where there have been a lot of foreclosures, they come up with bogus denial reasons.

The consequences of Liberty Mutual's denial of our homeowners insurance has resulted in "red flag" so that whenever we try to obtain new coverage it appears like we have done something wrong or that we are an insurance "risk."

To make matters worse, Liberty Mutual's interception of the impound account money, created a gap in our home's coverage. We have an impound account that Liberty Mutual cleaned out. They sent us a check but it is less than what we need to come up with to pay for a different home owners policy. We are still trying to obtain new home owners insurance. I would never recommend Liberty Mutual. They are sneaky.

On August 28, 2011, hurricane Irene caused wind and rain to penetrate the roof of my condo causing damage to the living room wall and carpeting. The condo insurance paid for repair of the roof but Liberty Mutual has claimed, despite a great deal of evidence, that my homeowners does not cover this claim. In fact, the policy clearly states I am covered.

My condo had its roof penetrated during Hurricane Irene, causing damage to the living room wall and carpeting. The condo insurance took care of the roof, and Liberty Mutual should take care of the interior, for which I am insured. There is about $4000-5000 worth of damage, and I have never had a claim in 22 years. It was clear that the roof was fine until the hurricane, and then water poured in, down the vaulted ceiling, ruining a wall and causing mold in the carpet.

Liberty Mutual has denied the claim and passed me from one employee to another. The adjustor was incompetent, and even though I sent them all the necessary paper work, they keep denying, despite the fact that they should pay for the interior damage. They are trying to wiggle out of this one, and refuse to let me speak with anyone in a supervisory capacity at the company. I have written numerous letters, provided all they require, and even the condo management company has been more than cooperative. This company is a sham. They take money and provide nothing in return.

My upstairs neighbor left his washing machine on and unattended last Monday, and the water ran for several hours and completely flooded my condo (living room, family room, sun room, entry hall, laundry room, and a part of the dining room). The hardwood floor, ceilings and walls in these rooms were all damaged, so were some of my furniture. I was called at late afternoon, at work, to come home. It was such an unbelievable mess! Water just comes down from the ceiling like rain!

My condo association group insurance covers the structure damage but not the property damage. Since I just bought the condo not long ago, I had not bought property insurance yet. My downstairs neighbor (since her condo underneath me was also flooded) and I contacted the Liberty Mutual agent Randy ** who was in charge of our upstairs neighbor's claim. He was exceedingly rude and told me that Liberty Mutual was not going to pay any damage to me ("it is your own insurance that pays for these", he said). When my lawyer contacted Liberty Mutual, they admitted that their client had liability to pay and gave him the claim number. However, when I called Liberty Mutual with the number, the agent (Ashley **) once again tried to deny me the claim. She said she'd investigate the case and unless the upstairs person is "negligent", they are not going to pay anything at all. Leaving his water running on for several hours is not negligent? She also refused to come to make an assessment (one week after the damage) and it took me 4 phone calls in three days to get this woman on the phone, and she was completely insensitive and very rude. Liberty Mutual should be investigated for insurance fraud like this; they'd do anything to avoid their responsibility. There was also racial discrimination by these agents, they only answer to a lawyer.

My wife and I recently bought a new townhouse. We acquired homeowners insurance through Liberty Mutual. In the spring of 2011, a severe hail storm damaged our roof. After agreeing that we needed a new roof, they refused to accept a reasonable estimate to replace the roof. They sent us a check that was less than any roofer would accept.

We are at a loss, as to what to do. We are both retired and I am disabled as well. We have a limited fixed income. We are still trying to find a reputable roofer. LM's agent claimed that we waited too long to negotiate. There are over 70 town homes that need their roof replaced. 20% of these are still waiting replacement.

We had an earthquake, tornado and a severe storm at the end of August 2011. We were without power for five days. We lost over $500.00 in food. Our entire downstairs was covered in water and our heat pump/AC stopped working. I found out that all of my neighbors on my side of the street had flooded also. I called in a claim, I was given a temporary number and was told that an agent would be in touch with me. After several days, a gentleman by the name of Bryant **, from Texas came out to look at the damage.

The smell was terrible. I am disabled and my husband had a stroke two years ago, so there was not a lot we could do about it. I was strongly encouraged to use ServiceMaster, who they are contracted with. They removed a 10x12 area rug, threw out things that were wet, boxed up a few things, took the loose baseboards, turned on fans and a humidifier, removed the insulation from all the concrete bricks on the unfinished side and the laundry room. It was like living in a wind tunnel for a few days but we just wanted it over. I was shifted around from one person to another at Liberty Mutual and couldn't really get any straight answers about what was going on. All of a sudden, they have put a $10,000 cap on the whole claim. They paid ServiceMaster over $6000 and I got the leftovers. Now, how am I supposed to restore the downstairs with $4,000 and get a heating unit?

While my husband and I were on vacation, our refrigerator leaked and ruined our laminate flooring which was put in less than a year. I contacted a certified refrigerator repairman and after he repaired it, he suggested I replace it if it leaks again. The refrigerator had just reached the 4-year mark and we can not afford to just go out and replace an appliance. We had been assured each time it was repaired that the problem was fixed. We contacted Liberty Mutual and they said we should file a claim.

After doing so, they contacted us and notified us that they were sending a company to assess the damage and start working on the problem. When they came, they started tearing out the flooring. They not only tore out the flooring, but the sub-flooring as well. They discovered the plywood decking was gone under the refrigerator, it had damaged our base cabinets and said that everything would have to come out. When they contacted Liberty Mutual with the information, Liberty Mutual said they were sending an adjuster out which never showed up. After calling and leaving messages for a week, Liberty Mutual called us and informed us they were denying the claim. The kitchen is not usable and this is the state they are leaving it in. The refrigerator manufacturer offered $250 towards the deductible; which is not acceptable.

My next door neighbor flooded my basement by leaving his water hose on for a week. I contacted Liberty Mutual on May 19, 2011 and I spoke to claim adjustor Karl **. I asked him for help because I didn't know what to do. His response was, "Get me an estimate and send it to me along with pictures." I did everything he requested by June 5. Because of the holiday, I received appointment dates for two different companies. I sent in two estimates and pictures of the damages.

I didn't hear back from Liberty Mutual until July. Mr. Karl ** wasn't satisfied with the estimates I sent in so he wanted to send in their own company. I continued calling them because I was getting angry with the smell and I'm cleaning every week to stop the mold and mildew. Finally, Mr. Karl ** sent his company out in the last week of July. However, the guy sent out by Mr. Karl ** was just the floor specialist so he had no experience with mold.

In the middle of July, they sent out a hygienist who told them that the mold was traveling throughout my house, through the vents, and growing on the floor and wall. They sent me a bogus estimate for $8,300.00 because the estimate was not of anything dealing with my basement.

I then talked to Mr. Karl **'s manager but she didn't understand me. She called the construction company and they told her that the initial estimate was just for the mold damage. So they sent me another estimate for $6,393.00 in the last week of July.

In August 2, 2011, they sent out a check for $6,393.00. I still questioned the amount they sent out for repairs. The construction company would not send me a copy of the estimate so I had to take the one Liberty Mutual emailed me. Now, they are telling me that the mold is not included in the homeowner policy. They have to send it to their legal team to get the approval.

If Mr. ** had sent out his team from day one, there would not have been mold damage. He is trying to make it my fault. He said that I should have done something so the mold would not occur. I told him that I already spent everything I had to clean, buy fans and borrow dehumidifier. As of August 24, 2011, they still haven't said anything about the mold damages. I'm having repairs done but I don't have the funds for mold and mildew cleaning.

I would like to impart some general experience I gained after my house burned down on 09/2009.

If you are not satisfied, then contact your state insurance commissioner. The way Citizens dealt with my claim was like day to night. In 3 days, they had been contacted by the Florida Insurance Regulation department. I was reassigned to the supervisor of claims adjuster. If I gave proper documentation, I was given the money. Citizens was my HO insurance provider. My claim began much like the stories read on this site. I was unemployed also at the time. This ended up being a good thing. I decided to educate myself and manage this claim.

Over the course of 18 months, I learned how to deal with not just Citizens. I learned how to deal with the contractor, city building department, restoration company and many other people eager to get in on collecting as much of the money the insurance was paying as possible. The general attitude is "Hey, we can over charge, do sloppy work, steal personal items, Play Station, TVs, stereo equipment and entire bedroom suites". If you confront them, they will all say, "Hey it's no skin off your back, since the insurance company is paying." Well it's skin off my back, because every dollar you cannot spend will go into your pocket. I have put all my experience into a report that will save people 1000's of dollars, hours of frustration and a road map to recovering from a catastrophic occurrence. You can read more at **.

I received a notice about 6 months ago, saying my premium was going up due to the 2 accidents on 3/17/09. I had many things going on, as I just moved back into my house that burned down on 9/2009. Anyway, I recently looked at my premium. I saw it had just about doubled. I saw that the accident is not even listed on their website. I saw that I did not have 2 accidents on 03/17/09, just one. I talked to someone in claims. They said I was not being held for two 03/17/09 incidents, but that only one caused an 85% increase.

So now I heard a different story from the person I talked to. The website is giving contradicting information. And the notice is stating even another version. I get the feeling nobody really knows what is going on. And as long as I am paying, who cares other than me? So, what is the correct way to find out the truth about what I am getting credit for and caused the increase? Why would it take 2 1/2 years on the 11/11/2008 accident and over 3 years on the 08/27/2007 incident for your company to decide to raise my premium? Also, one is marked open and the other closed. I really get the feeling the right hand has no clue what the left hand is doing. And it is the insured customer that pays the price for a company that looks to be all confused. What would you think if you were getting this type of information? Can you point me in the correct direction as to who I need to contact?

Kim gave me the wrong account to cancel my homeowners insurance and I found out that the corner house was cancelled instead of the house across the street. I had three insurance (renters) covered through Liberty Mutual and Kim was the worst agent I have ever had to deal with. I made phone payments with her and my account doesn't show payments were made so I am wondering if she kept my money.

I need someone to help me show proof of insurance for one of my houses on January to February of 2011. My payments were paid by phone with Kim.

My mortgage charged my account and I need proof of payments that were issued to Liberty Mutual so I can get my money returned. I cancelled all my policies so I need someone to research my situation.

When I signed up for my home owners' insurance policy, the agent assured me that it covered "pretty much anything." Apparently, it does not. The adjustor was rude when I talked to her on the phone, came to my house a week later, spent less than five minutes, and then explained that Liberty Mutual doesn't cover our pipes leaking. I am very disappointed, especially because the repairman fully expected it to be covered.

This is my only experience with liberty mutual. The employee was rude in both of my interactions with her--practically accusing me of letting my pipes leak so that I could replace my cabinets. And they have collected a good deal of money for absolutely no work.

This company was our homeowner insurance until they refused to live up to their policies. We had hail damage to our roof, air conditioner, and awning. They said we had hail damage but not to the roof. The awning did have a damage, and it is attached to the roof. We had four air conditioning people check our AC unit, and they said it could not be fixed. Liberty Mutual sent someone to check it, and they said it could be "combed out". We were paid for the awning and the roof on the guest house, but not for the roof or AC unit to be "fixed", that came from our own pocket. They disallowed insurance for the roof because they said it was already "old". Also, Mr. ** accused me of insurance fraud and said I got up on the roof and "beat up" the AC unit. Of course, he denies this. So we changed insurance companies, so that if we have something that will happen to our home again, we will be covered. There is no use to pay insurance premiums if it is not going to cover anything. We are senior citizens, and it is not easy for us to come up with money for repairs for things we already paid insurance for.

This ** called my private home and then talked to me like I was dog manure. I will have absolutely nothing to do with Liberty Mutual in any case whatsoever if that is the kind of people you have working for you. Totally unprofessional. If I treated people that way with my job the way he treated me, I would be looking for a job.

Home Owner Insurance Police Yearly Premium increased 30%. It was $1638 and increased to $2192, with no claim filed. How and why can this insurance company increase the premium?

On November 11, 2008, I paid Liberty Mutual Insurance $1,309.00 for home insurance for a colleague Miss G. of xxx ave., Los Angeles 90068 (this being the insured property). Liberty Mutual (LM) records (and my financial records) will show that LM received payment from me from my UK American Express account. Thereafter, due to some concerns regarding the roof and consequently the policy, Liberty Mutual cancelled the policy and refunded most of the money paid. This refund was, I believe, in the form of a check for the amount of $1,282.74 made out to Miss G. and presented to her Bank of America account on or about 20 March 2009.

My concern is that I, the payor, have never received a cent of this refund and yet it was my money which paid for the insurance. I am incredulous as to what sort of system takes money from one person and refunds it to another. In short, Liberty Mutual made the decision to refund $1,282.74 to a person who had never paid this money in the first place. Notwithstanding any contract between Liberty Mutual and Miss G., the financial transaction existed between Liberty Mutual and me. Therefore, I believe the refund of any money should have been made to me alone. Essentially Liberty Mutual has given money to Miss G. to which she was not entitled.

Don't you just love those Liberty Mutual commercials about 'being responsible'. I have been with Liberty Mutual for over 23 years. I have ALL my insurance needs fulfilled by them. It has been wonderful sending money to them monthly for that many years - until this week when I finally needed them.

On April 3rd of this year, a transformer behind my house exploded and the pole caught fire. The fire trucks came and SCE worked all night to restore power to the grid. About noon on Easter Sunday, when my power was not restored, I discovered that the huge power surge had burnt my electrical panel and fried all the electrical wiring in my house. I am told that I am fortunate that my house did not catch fire. SCE told me to submit a claim.

So I called my insurance company, Liberty Mutual, and 3 days later I was begrudgingly moved into a hotel. The work started on my house about April 16th. On May 2nd, I submitted a list of damaged personal property for Liberty Mutual to review and determine if I was eligible for reimbursement. On May 14, I was informed that I was assigned a new Claims Adjuster, so I forwarded all the emails I had previously sent to my previous Claims Adjuster. I have been sending this new adjuster emails saying please give my claim some attention.

How is this being responsible? There is much more to the story than I have included here. I am clearly caught at the mercy of this huge conglomerate in a hotel with my children for the past 50 days.

We've been using Liberty Mutual for our home insurance for almost 8 years ever since we bought our current house. When it started, the premium was $380. Last year it reached $900+ and this year, they wanted another $200 more. I called them and they said there was a 3% annual increase to adjust for insurance. When I said the increase was more than 20%, the representative then said they increased my coverage every year. It turned out the coverage increase from last year to this year was only $2,000. So they wanted to charge $200 more for $2,000, outrageous. I got a quote from Allstate for only $580 on the same coverage. I overpaid for the last 5 or 6 years for at least $1,000. This will be my last time dealing with Liberty Mutual.

On Easter Sunday my deck collapsed with ten people. But who got the brut me. Thank God no one got hurt but me. The point is that the person Mr. ** took a few days, wrote a check to me with an underestimates, under $5000.00 dollars. He said that the insurance don't cover wet rot nor dry rot! I ask him why, no answer.

I also asked to speak to the supervisor, he wasn't in like yesterday, the deck needs to go! A new one with repairs to the plates and every thing else. To boot, I have in the very back yard a swamp! No one told me I brought a house in wet lands. I feel so stupid! I spend a lot of monies to bring this house to a home nothing has been done to this home since the mid 1980s.I fix it up repaired it and modernized it.

One of the icesings on the cake is a fracture sacrume in my lower back! Because of the pain, I have to be sadated for the longest, the bills, the frustion is driving me mad, all they can say is so sorry. I have to leave for now, I have an appiontment with a back surgeon!

I purchased my homeowners, boat, and auto insurance from Liberty Mutual. I was told all of my boats were covered including a $25,000 racing sailboat, a $5000 rigid inflatable, and three Lasers. The inflatable was stolen, and Liberty Mutual said they were only required to pay $1000 for the inflatable less the deductible of $1000, or in other words, zero!

After dozens of calls, Liberty Mutual could not find the person who sold us the policy. Liberty Mutual said the "taped" phone call when we purchased the policy where the sales man had said all boats were "fully covered" mysteriously disappeared. Liberty Mutual eventually gave us $1000 but then immediately raised our premiums $1500 for the next year. We dropped Liberty Mutual like a hot potato.

In July 2009, my house was hit by a lightning and after 7 months of bad faith and long delay from Liberty Mutual, I have been offered $3,464 for a $55,000 claim. This without any explanation apart that 3 years ago I had display my house has a display house in a Home Automation business. So they considered it as a business expense even if the business has been sold for over 3 years and I only have audio and home theater in my house and security system. Completely bogus explanation and they really try hard to delay and reduce payment of claim. Definitely, I advise not to use Liberty Mutual as a homeowner insurance.

Received a junk text message from them on 10/22/09 about a FHA Fixed Rate mortgage. My number is also on the do not call registry

I called Liberty Mutual on August 15th to ask them to proceed with the activation of my new policy request for our second home. As the representative proceeded with our new policy request, she regretted that they would not be able to give us insurance coverage for this house. The reason for this denial was that their researched showed that there was no fire hydrant in our neighborhood and that there was no fire department within five miles of our home. Mapquest is their method of research for determining distances. I assured them that not only was there a fire hydrant within our subdivision, but that the neighborhood fire hydrant is located on our property line on the street. In addition, I told them I was sure that the fire station was within five miles though I had never confirmed this. The representatives response was that they would research my claims and get back to me later that day.

When the representative called back, they confirmed their claims were true that their Mapquest research showed our home was 6.1 miles from the nearest fire station. But they said since I was a long time customer, they would ask their underwriter for a special request to provide insurance for our new home.

I received another call back with news that the under writer gave special approval but they would have to charge me a higher premium. In addition to the higher premium, our coverage would be limited compared to the previous quote we received in early July. I told them I disagreed but conceded to the higher rate and reduced coverage since this process had already consumed several hours of my time.

The following week-end, August 22nd, I took it upon myself to measure the distance from my home to the fire department. It turns out that we have two fire departments near our new home one is located 4.0 miles away and the other (which also has an EMS) is located 4.5 miles away. As soon as I returned home, I called Liberty Mutual and asked for the Manager on duty so that I could report my findings. I was passed off to an escalator since the managers were too busy. Though I was upset, I calmly gave the escalator the names, addresses, phone numbers of the two fire departments and the measured distances from our new home. I also re-voiced my insistence that there is a fire hydrant on my property line. The escalator apologized and said she would report this to the underwriter and resolve this as soon as possible. She said she would call me no later than Wednesday, August 26th with the proper resolution.

After hearing nothing from Liberty Mutual, I called again on August 29th. Since they could not reach the previous escalator, I was told a manager would call me back. After no response for several hours, I called again and was connected with another escalator. I had to start all over again and explain the entire situation to this second escalator. After another hour on the phone, I was again assured the situation would be resolved.

To my amazement, much later that evening the original escalator from the previous week left a message on my voice-mail stating that the underwriter again confirmed through Mapquest that the distance from my home to the nearest fire station is 6.1 miles and that I must have used some type of back woods short cut to measure the distance from my home to the fire department and that this route would not be acceptable.

All of Liberty Mutuals claims are absurd. The fact is there are two fire departments less than five miles away from our new home. And the fact is that my subdivision is located directly on the same highway that both fire departments are located one fire department in one direction and the other in the opposite direction. And there is only one possible route to my home for each fire department. In addition there is not a single stop light, stop sign, or yield sign on the way of each route and there is only one turn for each route. And finally, I have confirmed the distances in Mapquest and called both fire departments and confirmed the distances with each of them. Every one of these efforts have proven the 4.0 mile route and the 4.5 mile route.

I again called Liberty Mutual and insisted on speaking to a manager (not an escalator) to again explain there are two fire departments within five miles from my new home. After spending another hour with this manager, it became quite clear that all she could do was again send the issue to the underwriter and that the results would be the same - Mapquest would show 6.1 miles from my house to the nearest fire department. It is also became clear that this is most likely routine procedure for Liberty Mutual - to ignore a request and then deny the request by misrepresenting their coverage research. Neither Liberty Mutual nor the under writer are even remotely interested in resolving this issue. I can only imagine how many other customers either never check their findings or simply give up trying to negotiate with them. And I can only imagine how much additional revenue is generated from these methods.

We had a water pipe break in our home sometime during the night, 8-13-09. We discovered it first thing in the morning. The insurance company was immediately called, and they dispatched a company out of Vallejo, called Rainbow International. This company is owned by Cannady Construction, one of the approved vendors used by Liberty Mutual. Initially we were happy with the response and cleanup. We were uneasy about the fact that even though the carpets were completely soaked, neither the carpet or pads were removed. Special equipment was brought in to "top dry" (method) our home.

We met with adjuster A. Shaffer on 8-17-09. She walked the home with the owner or Rainbow International (Cannady Construction). At first we were comfortable in using the company's suggestion of Cannady Construction, however during the walk thru of the damage, we became uneasy because of what we observed. Basically, it was the adjuster's opinion that much of the damage did not have to be removed, even though there was obvious staining in the sheetrock of water damage. Grout in the newly installed tile floor in the upstairs bathroom (source of the water leak) was missing, and the floor was slightly raised.

Cannaday Construction was telling the adjuster what work would need to be done, which included his opinion that the floor would have to come up. The adjuster immediately said they were not replacing the floor, and indicated the floor needed to be re-grouted.

This scenario continued into the downstairs where obvious sheetrock damage was "just going to painted over", and only a small portion of the sheetrock was going to be replaced. There was obvious bubbling in the paper, so we were confused by the unwillingness of the adjuster to replace what we felt need to be replaced. The adjuster was only willing to paint a portion of the front room, even after we explained that we no longer had that paint to just touch it up.

I conducted extensive research on the internet, and talked with several restoration companies and contractors. I had two contractors (actually 3 when you include the air conditioning contractor) come in, and all agreed that the carpets should have been pulled, the pads removed, and that ALL the water damaged areas should be pulled. Apparently just because the house was dried, does not mean there is not moisture present in the inner walls where meters do not accurate read.

The adjuster returned to our property on 8-28-09, this time with her manager accompanying her. From the onset, it was apparent they were here to prove their initial evaluation of the 1st appraisal. Thank God we had the contractor present that we have chosen to do the work, because other than changing their opinion on some painting to the living room, they were not going to change their stance. When we sell our home we have to disclose that we suffered a loss -- how can we sell our home at a later time it we just allow the insurance company to paint over the damage, and cover up what happened?

We are outraged by the treatment we have received. From the research we have done it appears what Liberty Mutual is doing is called "low balling", in an attempt to get us to accept inferior repairs to our home so they do not have to pay for the needed repairs. Their claim that this is merely the investigative and negotiating phase of the claim does not set well with us. We feel they are basically trying to intimidate us into accepting inferior repairs to our home, and we are outraged.

We have filed a complaint with the Calif Dept. of Insurance, but have reservations as to how well that will be investigated given all the budget cutbacks that have occured in California. Any suggestions? The dollar amount of the claim is estimated between $20,000 and $25,000. I expect an additional offer, but so far Liberty Mutual has wanted to pay only $5,000 toward the claim.

Our house burned down in a burglary/arson in august 2008. Liberty Mutual saw the house one time and wrote an initial estimate, they refused to come back for a supplemental estimate and I had to use their contractor to get one. The estimate was still incomplete and again Liberty refused to negotiate, look at or deal with our claim. They demanded appraisal about 3 months post loss and they continue to thwart the appraisal process and drag the claim out longer and longer. while we are stuck in a rental house paying 3k a month on a mortgage for a house that is sitting in ruins. They have the worst customer service I have ever seen. I would not recommend Liberty Mutual to anyone.

Home owners insurance not renewable. A claim was made 4 months after house was purchased due to the city breaking a private sewer line that connects my house and 4 others to the city sewage line while installing a gas main line. the sewage backed into my house damaging the bathroom floor. The insurance company paid for the bathroom to be repaired then one month before the end of the year policy told me they would not renew because of water damage that I had found under and unrelated window in a bedroom. I told them I was not going to put a claim in for that damage and paid a waterproofing company to repair the damage it found in cash. I sent Liberty Mutual all of the documentation adn photos to show the repairs but they asked for an inspection. I had an inspection, then they asked for a letter from the waterproofing company to state that the house is habitable and in good condition now only 2 days remaining in this policy.

My insurance will go up $250 regardless if I stay with Liberty Mutual or go to another company. i am a disabled veteran and I live alone and feel that I'm being bullied and I'm fearful that I will lose my home if I cannot get any insurance coverage or what coverage I can get will be worthless.

We had an ice and snow storm early Febuary. I had damage to my house as well as a tree that took out part of my fence. The tree itself was blocking my way to my back yard. The power also got pulled down. Lucky for me the power company cut most of the damage away. I have a dog that goes in my backyard and due to the fact that my fence ( gate ) is damaged I can not let her go out without supervision. I have gutter that was pulled away from the house due to the ice. I have a down spout that is no longer attached to the gutter. It was the entire top of the tree. Some fell on my side and the other landed on my neighbors roof. When he had a company come out and take the tree off of his house everything was put over in my yard.

I have been in contact with Liberty Mutual. It seems as no one is or has been working on my claim. I found out today that my claim had been CLOSED. I used to work for a regulated company and I know about mean time to repair and this is why my claim was closed with no resolution. I was also told today to get a contractor out ( it would be more than one - one for the gutter and one for the tree and possible one for the gate ) this is totally unacceptable.

Liberty claims has not worked with me at all and I want this matter taken seriously ( as the tree is now leaning ) and could possibly come down in a bad storm and it would do way more damage to my house. It would take out at least 1/4 of my roof and trusses. I want Liberty to resolve the claim by April 3rd.

I have been with Liberty Mutual for about 15 years. When I turned 25, my previous insurance company failed to drop my rate so I called them. They told me they had to no problem dropping my rate, I just had to call to ask. Well, since I had to call to ask, I figured I would call everyone to get the best rate. At that time, the best rate I found was at Liberty Mutual. When I signed with them, the agent I had came to my house to fill out the paper work. In fact, every time I needed to make a policy change he would come to my house and take care of me in person. I could not be any more happy with them at the time.

Then my agent moved up in the company and I got a new agent. I stuck with them another 8 years or so, but noticed that each year my premiums would go up a little, even though I never file a claim, have excellent credit, and no tickets or accidents. So this year, I got fed up with the rates going up every year and decided to call around. I found that I was able to get the same coverage through other reputable companies for up to 40% LESS! That is a huge savings for me!

Well, Liberty Mutual just lost a long time customer. Also, my friends and family that I recommended Liberty Mutual to so many years ago will find out about this, will likely call around, and will likely be leaving them as well.

Our air conditioner's compressor broke. When it did the water from our air conditioning unit "flooded" our basement. causing damage to our tile floor, carpet, walls, dryer, and some other items. Liberty Mutual sent an independent insurance adjuster, Rick S. He denied our first claim because we weren't available for him to come. Then he denied our second claim (which we didn't even know it was our second claim), because he said he talked to the people that fixed our air conditioner and according to them they said there was not enough water in the unit to cause the damage.

When I had a very heated discussion with Brokaw Air Conditioning, the lady was very sure that there was not enough water that Rick described. She called a manufacturer and found out that the unit on a typical day would pull 12 gallons, which I responded that is plenty of water to cause the damage to our basement, and she said that would not cause 6 inches of water. then I replied there was never 6 inches of water in our basement. Then she told me that Rick S. called and asked if there was enough water in the unit to cause 6 inches of water throughout the entire basement, and of course she said no. I have no idea where he got that there was 6 inches of water in our basement. When he came to my house he would not even discuss the basement with me. He sent me upstairs when I tried to explain to him what happened. When he took pictures of our stuff he kept saying I have never claimed, a futon, a coat, comic books... I don't even know how I am going to do that. On top of that he said he doesn't think he can file more than 10 items, so I stopped writing down what was damaged.

Before we knew that Rick lied to the air conditioner people my husband called and was basically told there was nothing they could because it had been denied, again we didn't even know about the first time. we were told to get a letter from some air conditioner place saying that there is enough water to cause that damage. We tried calling Brokaw but the man who owns it doesn't understand what we are talking about he can't understand why Liberty Mutual is handling this because he works for our home warranty place (he sounded very old I think that is why his wife handles a lot of the phone conversations, but she isn't "qualified" to write anything). Oddly enough when my husband called Liberty Mutual the lady that took the claim said the same thing happened in her basement 3 times because one of her kids kicked off the condensation line, and everything was replaced, no problem 3 times. which my husband can't remember her name but I am sure the conversation should have been recorded.

The lady who is handling our claim, Deborah S., told me there is no way for water to damage 3 rooms. She said I could get Brokaw to send them a letter and she would review it. Then later reiterated that there is no way for it to cause that much damage. She said there was bad rains in the area at the same time. which we did not have anymore problems with water until the unit was fixed like 3 weeks later and then I went down stairs and there was a bunch of water covering the floor, which is why we called a second time because we knew where the water was now officially coming from. before we did not know. We had an electrician come out and check to see if there was something wrong with our box and maybe our sump pump went out. He said that other than some loose wires nothing was wrong with our electrical or the sump pump. all the water in our basement was clean and clear. So it was not ground water. we checked all our pipes leading to out sink and washer and everything is fine. There has only been water in our basement from the condensation line, and since they fixed that last week we have had no water.

It rained a lot in June and there was no water in our house until the air was fixed and back on. I have a hard time believing our case will get a fair review, when deborah S. keeps telling me that there is not enough water to cause the damage. Also, If Rick S. lied about the amount of water in our basement I don't know what else he lied about in the report. I filed a fraudulent case against Rick S. with the commisioners Insurance something something, but guess who handles it when it gets to liberty mutual...Deborah S. I can only imageine how that will go. I am waiting to get a hold of a manager at Liberty Mutual, when I called their system was down and I could not get a name or number to go with our case.

I have contacted Brokaw again and I am waiting a call back. Hopefully I can talk to someone that understands what we are saying. My other concern is that if Rick S. lied about our basement, how many other claims were denied or is this common practice at Liberty Mutual and not limited to just Rick S.. it has been extremely frustrating and this is the reason we have insurance, so when things like this happen then we are covered. Hopefully I didn't forget anything else.

Walls, carpet, tile, dryer, dehumidifier (which was not in use it was for our condo), and misc. stuff that was on the floor in the basement. we pay for full replacement through liberty mutual we had to pay to have all our laundry and other some other stuff that got wet at a laundry mat, because our dryer was not working at all, it works better now, but grinds now.

Recently we were dropped along with 3000 other Florida homeowners from Liberty Mutual. I asked what the criteria for being selected were and received general responses about being in a risk area for storm damage. When I asked for more specific criteria they sent 5 and we do not meet any of those five listed. In addition, my next door neighbor was not dropped and so area seems to be an irelevent issue.

I have received several letters from Liberty Mutual, the last one from Ms Fifield, stating that the company's non-renewal program does not violate any florida laws. We have had homeowners insurance with LIberty Mutual for 20 years and feel we have been dropped because of previous valid hurricane damage and relatively lower yearly premiums. My neighbor has made no claims. In the last three years we have stormed proffed our home with a new roof, window shutters, and new windows according to Florida code. We have these certified by a licensed home inspector which we sent to Liberty Mutual.

We have contacted the Florida State Insurance Office and while they are investigating nothing is happening to inform us of the specific criteria for our being non renewed. We feel that they are just stonewalling until August when our policy is over and due for renewal. Any suggestions?

Our insurance rates will significantly increase for our home.

I filed the claim last Tuesday 3/4/08 because several sanitary sewer lines are busted and separated under my house foundation, causing backup. I just had a new partial sewer line put in the back yard of my home. I also am having a new bathroom put in my basement. I have a state licensed plumber that working on my basement; he made a video tape for the insurance adjuster to see the extent of damage to the sewer system. The state license plumber told me to provide the adjuster with a copy of the video, and the plumber faxed over a detailed quote to Liberty Mutual for replacing the damaged sewer lines. The insurance adjuster told me the quote was too high for replacing the damaged sewer lines. The adjuster will not look at the tape to see the detail of the damage. Now it is Saturday (3/8/2008) night, and I have family coming from out state for a family funeral. I told the adjuster I needed to get this done right away. I even asked the insurance adjuster to get someone else, and he didn't. If any of my family members get sick as a result of their adjuster refusing to take any action concerning this matter, I am going to the local TV channel and retaining an attorney on Monday 3/10/2008.

The plumber told me that he has never paid over $2,000.00 dollars for this repair even though he has not looked at the extent of damage to the system or even recommending another plumber for the job. I have called the insurance adjuster, and he refused to take my calls for the last couple of days. I am filing a formal complaint with the insurance commission in Lansing, MI. This is my second claim in eighteen years of coverage with their company, and this is how I am being treated.

My family could get sick because Liberty Mutual refuses to respond to me to resolve this matter.

On February 10, I received a letter from my mortgage company stating that they attempted to pay my hazard insurance renewal premium, but they were unable to obtain the policy information from my agent. The letter stated, please provide us with your policy renewal information to prevent a lapse in coverage. I called Liberty Mutual, who stated that I had no insurance coverage for a year and a half! They explained that Chase Mortgage had payed them late in January of 06, so they canceled the policy, cashed the check from Chase and sent me a check (they always send it to the customer).

I called Chase, and they paid the bill again. Apparently, Liberty mutual again, cashed the check and said that they sent me a check for the amt. paid. They are now saying that I am uninsurable because of a year and a half lapse in coverage stating that if you didn't insure your property for a year and a half, you probably don't take care of your property! First of all, if I had received a check from Liberty Mutual, I would have notified someone, because this happened to me about 6 years ago, I cashed the check because it said refund (without any type of cancellation notice) and I got canceled and mandated by my mortgage co (who was Washington Mutual at the time). So, I know that I would not cash a check from Liberty Mutual without investigating why I got it in the first place. Secondly, What happened in 2007? If I didn't have any homeowners insurance for the year, why wouldn't Chase mandate me or even notify me? I am now without homeowners insurance after using Liberty Mutual for eight years in a row, paid for in full each year from my mortgage escrow. Any suggestions?

I have no homeowners insurance and am having difficulty obtaining insurance because of the lapse. My mortgage co. (Chase) stated they'll give me a few days to obtain insurance.

My husband and I had 2 homes, 2 autos, and 2 life insurance policies with Liberty Mutual for more than 5 years. We had a small fire in one of our homes during our last policy effective dates. The claim is still open, however we have already been notified that our homeowners policies will not be renewed. Apparently, any claim or loss that is greater than $15,000.00 results in a non-renewal! Live and learn, ask your carrier what the underwriting standards are in the event of a claim. The last thing you want to be doing when you're dealing with fire clean-up, and construction crews is finding last-minute insurance! I'm pretty sure the Liberty Mutual commercial ends a little differently than this.

My Condo Home Owner’s insurance with Liberty Mutual was canceled when I sold my condo and purchased a new home In April 2004. At this time Liberty Mutual was notified of the cancellation and Commerce Insurance became my new insurance carrier for auto and home. Liberty Mutual continues to send me bills on the police with a term date of 1-10-2005 thru 1-10-2006 for the condo that I sold in April of 2004!

I have contacted Liberty Mutual repeatedly regarding this issue. Commerce Insurance tells me that they have repeatedly resolved this issue. In fact Liberty Mutual owes me money from 2004! Despite efforts by me and Commerce Insurance this is still not resolved. I now receive threatening calls and notices from Credit Collection Services. I am horrified that my otherwise perfect credit history is now tarnished. I consider Liberty Mutual actions to be threatening and clear harassment.

We had a fire in our garage ond they are claiming the structure is not part of my residence and is not covered because I ran a small business from it, so my contents are not covered.

Mr. Landon called me on or about March 26,2002. He stated that my homeowners insurance was to be cancelled because I had failed to disclose that my home had a shake roof. He asked if whether my husband and I were planning on getting a new roof done anytime soon. I told Mr. Landon that a new roof was beyond our means at this time. We were planning on getting a new roof next year (2003). Mr. Landon said that sometimes a good kick in the pants is what's needed. When I first approached Mr. Landon regarding homeowners insurance I stated my home had been built in 1971 and that there had been no major renovations done to my home. He did not ask me about my roof. His company insured my home and four of our cars.

I have been searching for homeowners insurance and have been unsuccessful. No one wants to insure our home because of the cancellation. I have been on an emotional rollercoaster since I was first was notified of the cancellation. I have trouble sleeping. I have been very distressed. If I do find insurance the premium will be much higher than it was.