Complaint Review: Liberty Mutual Insurance - Dover NH

On or around July of 2019 we had major weather events out here in the Nevada desert that caused debris to tear open a hole in our home's wall and roof.

Shortly afterwards, we noticed bees that built a hive in the eves of the space in the roof.

We reported the claim to Liberty Mutual shortly after and it was rejected due to the Liberty Mutuals claim that bees (animals) are not covered under the insurance.

From our understanding, the damage was caused by a hive built by the bees, structures or damages secondary, under Nevada law, are covered. However we did not dispute that at first.

We pointed out that claim contained a part of weather/wind event damage to the roof/walls.

Liberty Mutual initially responded to that reopening of the claim as "normal wear and tear, that people walking on the roof and rubbing against it caused the wear and holes".

We pointed out that there are no easy pedestrian access to that section of roof and wall and virtually no one has access or rubbed against the wall. The rep responded with "oh wait, um, did I say wear? I ment that the bees ate through the wall".

We pointed out that the wall was constructed of stucco, cinderblock, metal sheeting, and other materials bees are not capable of chewing through.

The rep still denied our claim.

We had a contractor and expert evaluate and confirm the damage to the hole in the roof and wall as wind/weather related, not animal/bee caused.

"Based upon my experience, this type of opening would be caused by  strong wind forces ripping roof tiles off and/or an extremely heavy, windborne object that landed on the roof and gouged it."

However, Liberty Mutual's offical implicit response:

"We have reviewed and re-evaluated all claims filed by Ms. Lee and our

determination and stance has not changed. The claimed damages to the

roofing tiles, dormers, soffits, fascia and siding on the right elevation above

the garage are caused by wear and tear, marring or deterioration and/or

damage caused by bees."

Which is in direct contradiction to the causes determined by the contractor and experts.

We have paid Libert Mutual Over $3200 in premiums over the past two years and also over $20000 to repair the damage to the wall and roof (excluding remediation for the bee hive removal and repair which is not covered).

Liberty Mutual seems to insist that people were walking on a 45 degree stone pitched roof and rubbing against a wall that is extremely perilous for the average pedestrian to reach and walk on and also claim bees caused the damage to the wall and roof despite the fact bees have never been known to be able to penetrate stone, stuacco, metal sheeting, cinderblock, etc and an expert contractor had already examined the damage and determined it to be wind/weather event related (not animal, bee, or humans rubbing against it).

Liberty Mutual seems to go to great lengths to implicitly narriate their determinations and place themselves as omnipoence of events that occured in order to deny coverage. We feel this is malicious, illegal, and in bad faith.