Complain about a product or service

Liberty Mutual - Homeowners

Richard of Miami FL (05/17/08)
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.

Melvin of Lathrup Village MI (03/08/08)
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.

Cindy of Worcester MA (02/20/08)
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.

Nicole of Phoenix AZ (06/04/07)
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.

Patricia of Chelmsford MA (11/10/05)
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.

Sherri of Ashville NY (12/13/03)
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.

Angela of Sanger CA (04/08/02)
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.

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