Friday 5th of August 2016 04:33:26 AM
We have had Liberty Mutual Insurance for 10 years, both homeowner and car, for a while we had renters - renter and owners. We have had several claims. Claim #1 found out the upstairs bathtub drain was not connected to the drain pipe, flooded the ceiling and part fell down - with renters in the house. We were out of state, and had a $1,000 deductible. Called Liberty Mutual to report the claim, they had the mitigation company out the next day. They orchestrated the plumber for the plumbing repairs and all of the ceiling/ wall repairs and paint. The total came to $1017 so we decided to just cover out of pocket - but they got everything done for us in less than 2 weeks the house was completely put back together.Claim # 2 My husband was T boned driving down the road, he was not at fault but they had an appointment to have the vehicle assessed by the next day, it ended up being totaled out and we received the check within the week, with the reimbursement for our deductible from the at fault's insurance arriving within 2 weeks.Claim # 3 Freak hail storm damaged several neighborhoods in our city. It was declared a natural disaster as so much damage was incurred. the adjuster took a week to come out and tried to pull "these shingles were recalled so you need to contact the builder." Contacted the company with proof that the entire neighborhood had roof claims and proof of the hail damage. In response a new adjuster was sent out and she reviewed all information and granted our claim, we had a $500 deductible which the roofing company agreed to waive for a yard sign. This repair took 4 months due to weather as it was mid fall when the damage occurred, a patch was done and when the ice was gone a new roof was installed.Claim # 4 My suburban was T boned driving down the road, the adjuster had the car in for inspection the next day. Overnighted us a check for the car seats so we could buy new ones. The Suburban was totaled out and we were given the option of a check from Liberty Mutual less our $500 deductible or for them to orchestrate payment from the at fault driver's insurance, we decided to wait and the check came within 2 weeks.Claim #5 The drain pipe from the upstairs bathtub came loose and there was a slow drip. I have no idea how long it lasted, but I noticed a mushroom in the corner of the ceiling. So I put in a claim. The next day the pipe fully broke loose and flooded upstairs and downstairs (impacted 8 rooms). The pressure was raised that week by the water company and it blew our water heater and all valves (toilet, shower, bathtubs, and sinks). They just adjusted the claim to cover all affected rooms. The entire house ended up needing new floors, we needed 3 new bathroom vanities, several walls and the master shower to be ripped out to repair the damage. It was over a $20,000 claim. We were given checks as the work progressed to pay the variety of contractors. We did elect to do some upgrades, and those were at our personal expense (less the amount the insurance would cover for the original quality/ materials). We were told when all the work had been completed and the paperwork filed we would receive the depreciation check - for several thousand dollars. It never came, I tried for months before I gave up as I did not have the time to put into all of the follow up.Claim # 6 Husband was rear ended by a semi truck. We filed the claim the same day, we tried reaching out to the adjuster several times and never received a response back. She closed the case and now we are working to reopen it, with a new adjuster to get his repairs done (likely the car will be totaled). It has been 3 months since the accident.Claim # 7 - This week the upstairs toilet (new house) clogged and flooded the bathroom, a bedroom, hallway, staircase and the garage ceiling started falling down. I filed the claim on Tuesday night, mitigation was here Wednesday morning. Adjuster arrived Thursday morning, I was handed a check right then for the repairs. Because it was fecal water that flooded the house, Liberty Mutual is covering in full the mitigation/ clean up - it induced mold in 2 days in the garage due to the hot humid conditions. We have a $1,000 deductible and a check to cover the rest of the repairs already in hand. Overall, we have had pretty good fast resolutions. It seems to depend on the adjuster what happens and how fast. What I have found is if you have an adjuster that is not cooperating speak up, or try to get a new one assigned.