Liberty Mutual Insurance
Parent Company: Liberty Mutual Group
Agency Rating:
Best Insurance Reports: A
Best Rating: Liberty Mutual recieves among the best ratings from Best's Insurance Reports and other financial analysts that follow and rate insurance companies.
Coverage Area: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Dist of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, , Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, , Washington, West Virginia, Wisconsin, Wyoming
I own a 3-story house with a 2nd level deck that used to be a sunroom. My house is very old and the main crossboards are the floorboards for the 2nd level. A few weeks ago, the deck buckled and the top 2 levels of my house shifted causing a great deal of damage. The deck needs to be replaced to stop further damage and for safety. It is our only exit except on the first floor and in the current condition, the deck is not useable. From the deck buckling, it has caused the stairs to the 3rd floor (my children’s bedrooms) to separate, caused my overhangs to all shift, several falling off the house. The floors buckled and it is clearly seen right through the carpet in multiple rooms. Even the roof has collapsed in multiple spots, and it has caused water damage and buckled paneling in the first floor. Also, the doors are no longer shutting properly. We called our insurance company (who we have had since we bought the house) and they sent an agent out who says, “Sorry, we will not replace it or take care of any of the damage except replacing the outlet and paneling on one wall in the first floor”. I said, “What if my house continues to shift and collapses? Lives could be lost and the house destroyed.” He says, “Even if that happens, we will not be responsible because you need to secure the deck”. Then what the heck are insurance companies for? My house is collapsing. My children’s lives are at risk just being here and they will not help! This company has no problem taking my money every month and is supposed to protect their customers when problems arise. If a pipe bursts, they will take care of all damage, but my roof is caving in and my house is collapsing and they won’t do anything!