- Report: #1487358
Complaint Review: Liberty Mutual Insurance - TX Plano
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Liberty Mutual Insurance
TX, Plano, United States
Phone:
469-997-5543
Web:
www.libertymutual.com
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Liberty Mutual Insurance Denied Clearly Defined Insurance Claim TX Plano
I hired someone to power wash my house. The solution he used must have been far too strong because I could not only smell it in my house with the windows closed, it damaged the acrylic finish on my brand-new slab and destroyed plants that became spotted like they were sprayed with a chemical. They died off.
I found out who his insurance company was and submitted a claim. No adjuster came out. They took all of the pictures that I submitted where it showed the tread marks of his power washing machine etched into the finish of the slab. I provided before and after photos.
The power washing guy told Liberty Mutual that he didn't cause any damage and that the finish was defective and therefore he was not responsible. The finish was acrylic, and a strong bleach solution would cause damage. That does not deem it defective. In fact, if what they claim is true, then the grill I had sitting on the slab would have caused the same damage, but it didn’t cause any.
Liberty Mutual denied the claim and took his side. Their position was "we will uphold the policy holder's position because they are the one that pays us". So, it doesn't matter if the policy holder caused the damage if they have a "reason" not to pay the claim.
My past personal experience with Liberty Mutual was horrible and it's the reason I would never use them nor would ever recommend them. They denied the majority of my homeowner's claim from a burst pipe in my home. They proceeded to ask the contract to hand chisel the mud flooring to save the mud walls in the bathroom so they wouldn't have to pay to have a complete renovation.
The adjuster priced that work being paid out 2 cents per square foot. Manual labor at 2 cents a square foot! Liberty Mutual is in business to make money and not pay out claims. That much is clear. They will do whatever it takes to avoid playing out a claim no matter the amount of evidence you have that they should.
State Farm is the exact opposite. They are very accommodating. NEVER GO WITH LIBERTY MUTUAL. You've been warned that they are thieves.
3 Updates & Rebuttals
Eyerish
Greenville,South Carolina,
United States
Jimbo
#2Author of original report
Thu, November 07, 2019
The claims agent, Andrew Fraley, did in fact state exactly what I've posted on the phone. Naturally, they would never put that in writing. But, they have no legitimate reason for denying the claim other than they don't want to pay it. No one wanted to come out to review the damage. No one wanted to put his powerwasher on the slab to show the treads came form his machine.
In fact, he even denies using any chemical what so ever which is false because the day he was here he told me it was an expensive chemical he used. Their stance is that the seal on the slab was defective. If that was the case, everything I had on the slab would have cause damage. It did not. It was in pristine condition prior to him power washing.
I'm well aware of how insurance companies work. They bank on the fact that, in most instances, they deny the claim and bet against being sued. It's cheaper that way. That is true for any insurance company.
Kevin
Dothan,Alabama,
United States
File a small claims action against power washer guy
#3Consumer Suggestion
Thu, November 07, 2019
In most states it is under 100.00 to file it and his insurance will have to pay to defend him
So your claim will be paid at that point
Jim
Beverly Hills,United States
All Are Thieves
#4Consumer Comment
Wed, November 06, 2019
Liberty Mutual denied the claim and took his side. Their position was "we will uphold the policy holder's position because they are the one that pays us". So, it doesn't matter if the policy holder caused the damage if they have a "reason" not to pay the claim. Hilarious. Obviously, that wasn't what the letter said, but the conclusion you wrote is 100% correct. They denied the claim because you aren't paying the premiums. A lot of insurance companies, including State Farm, pretty much do the same. That is their job.
They denied the majority of my homeowner's claim from a burst pipe in my home. They proceeded to ask the contract to hand chisel the mud flooring to save the mud walls in the bathroom so they wouldn't have to pay to have a complete renovation. Well, in that case, they paid the claim you submitted to them - just not to the extent you had hoped. Again, that's their job.
All insurance companies are thieves. Not just one. ALL...
