BOSTON, MASSACHUSETTS -- Wow, this company is one big rip off. For the past ** amount of years, this company ALWAYS raised my premium. I called the NY State Insurance Agency to complain, I was told it was legitimate because for the past THREE years Liberty Mutual asked for 5% raise and the NY POLITICIANS (Liberty is a donor) approved the request.
I called Liberty Mutual and requested a DECREASE. I was given the shell game answer, "Raise your deductible, and we will lower your premium". I told them why don't they just stay with the economic climate of "no jobs or those to be had have, no living wages" and adjust the rates accordingly. "We cannot do that". Liberty Mutual has FOUR major "philanthropies" that THEY donate to!!!
So, I said to the meekly mouth kid, "Why don't you put me on your philanthropy list and lower my rates?" I am dead serious. I am barely able to afford heat. I am losing my home to HIGH TAXES (I can pay my mortgage, the taxes are the drain). I qualify for philanthropy.
"Those philanthropies are for poor children". "Oh, so you raise my premium so that you can AFFORD to give to charities to feed kids that I did not make? I have no heat in the house, so YOU can appear magnanimous with MY money by redistributing it to IRRESPONSIBLE parents who should not make kids when they can barely feed themselves?" The charity I was talking about was the one in VENEZUELA. That is right, Liberty Mutual is taking your $$$$$ and giving it to Hugo... who cannot feed his own nation.
THE UPSHOT: Liberty Mutual jacks your rates up YEARLY and gives it away in charities, REDUCING YOUR QUALITY OF LIFE and in some cases pushing YOU, the customer, into poverty because you cannot keep up with the rate hikes in relation to the lack of job or low paying jobs to be had here in the States. Liberty Mutual IS IRRESPONSIBLE with the customers here in the UNITED STATES and does not deserve to operate here. They are milking the US citizen and are "using that money" OVERSEAS by giving it away to charities, to people who breed irresponsibly and to governments who abuse their populous.
IF YOU HAVE LIBERTY MUTUAL, send them a strong message: "Take your business elsewhere, we are not here to be milked and abused by your irresponsibility to OUR COMMUNITY by ripping us hardworking taxpayers off". Before you reach out to insurance company, it is worth to pull up their sites and see what they are involved with. Had I know that Liberty Mutual is doing business with Hugo Chavez and MY MONEY is part of this alliance, I would NEVER have been any part of this company.
Please remove me from your mailing lists and maybe save someone who is lured in to buy insurance from this co. a few pennies. When I needed auto insurance I contacted your co. and was pleased with your price. Then after about a year I needed home owners insurance and contacted your co again, this is where your co. proved its worth, and to me is now 0. Because of life's many twists and turns, one cannot always be the perfect consumer.
Because of a personal matter, my home owner's insurance lapsed and when I contacted your co., first I was told that I could not purchase because I did not have home owners insurance. And when I contacted another one, I was told I could purchase double the amount of my simple homes worth, but not what I needed. It seems like your agents at these two places in the same general area either did not want to be bothered in the chill of winter or did not need to meet a quota of sorts for that month. So then I did find a co. that would insure this totally disabled Vietnam veteran.
Now it get funny - then this spring my auto insurance was running out and I was getting letters that I was going to have to pay a fee if I did not renew on time and that you would have to notify the state that I did not have insurance when by this time, I did have insurance for my auto and home but not from your firm. I hope that some time in the future if your co. is threatened from some outside force greater than your ignorance or greed, I hope you can rely on your lazy agents to keep your company free, and not have someone else to do it for you. Yours in anger.
ARLINGTON, TEXAS -- We brought a new home, we needed home owners insurance, so we just stayed with the insurance already on the home. We hired a roofer to walk it to make sure it was OK, because they said it was OK. Well he disagreed; so they went back and forth with him. So they agreed it was a bad roof from a hail storm, of which it should have been replaced. They waited a week and cancelled the policy without notice. We thought they were going to call and let us know that the roof would be replaced. So I say very un-American. THIS IS A VERY BAD, UNETHICAL COMPANY!
We had a huge storm here in town and it took out power lines, tore up trees, ripped up many a table umbrella and we had people actually killed from fallen tree limbs and trees. I had a tree that was 10 ft. from our home break in half and surprisingly get caught up in the tree next to it slightly so it had not hit our deck, slider, and home yet. I called to see file a claim so they could have the tree cut down and they said "sorry, no can do. You have to pay your full deductible and if you don't take care of it and it damages your home, then we won't pay you anything for the damage because it would be your negligence." Go figure that one.
So of course here we are sitting with this massive tree dangling and it could fall at any type of wind gust and we have to try to find the money to pay someone to come get it cut down. This is our 4th time being brushed off by our Liberty Insurance people and it will be our last. We are switching asap to an insurance company who actually pays for repairs instead of taking our money and spending it on other things except us.
WEBSTER, TEXAS -- Hurricane Ike hit Texas Sept. 13, 2008. As of February 1, 2009 I have not received payment on my claims from hurricane Ike. Liberty didn't follow their policy on "duties of Liberty Mutual" which is clearly written. They deliberately practice the policy to deny a claim which is clearly written in the policy. When you change them on it, they change their mind when forced to do so. This practice is against Texas state statue. This is a real problem. The amounts of money they are dealing with are not huge. I am considering an attorney at this time.
The contents of the policy they write leaves a lot to be desired. I bought the policy by recommendation of my ex-insurance agent. I would not buy any Liberty Mutual products, American First Lloyd's policies. I am still fighting, and will not give up. By the way I have been unable to find a customer service representative or site to file complaints. Check your policy prior to purchasing.
COOPERSVILLE, MICHIGAN -- You will find that Liberty Mutual will always be the most reasonable insurance company. There is a reason for that; try to make a claim against them. Our experience with them was we had a house fire, and we paid extra for full replacement cost of our contents. The clothes dryer caught fire.
Well all our clothing was ruined by smoke damage. When we complained that the clothing still had a smoke smell from the fire after they dry cleaned them, they sent all my suits to the cleaners and had them wash in a washing machine along with three of my leather coats to remove the smoke smell. After that they told me that they didn't have smoke smell any more go ahead and wear them, of course these suits and leather coats were completely ruined. Then they laugh at us.
They did the same to my wife's clothing and two daughters. We had a computer that was sprayed by the fire department, they told me that it would be OK they would be kind enough to have it cleaned up. It was completely ruined. Of course the computer was on and it shorted out. Remember when a top-of-the-line 486 computers cost $4000.00. The computer was only 6 months old at the time. After this, Liberty Mutual sued the dryer company and collect their monies from them. I was even stupid enough to help them carry the dryer out of the basement.
If I told you all the hoops they made us jump through, you would run from that company. All the lies they told us. Finally they said they wanted to get us off their books 5 years later. So we set up an appointment with their attorney - no one from Liberty Mutual came. Mr. **, who was the representative of Liberty Mutual all this time, was on the speaker phone - he did not have the guts to face my family.
Well we finally agreed to a pittance of a settlement. We signed the papers in front the attorney. Mr. ** promise a check would be in the mail the next day; it was another two years before we received that check. Please go ahead and use this company, if you are looking a cheap price. We found that the insurance laws of the State of Michigan are all wrote by the insurance companies. Would you believe that the State of Michigan is happy about this? You have no recourse when you turn in a claim against any insurance company. You are at their mercy. If you have had an experience like mine, please e-mail me (**).
SACRAMENTO, CALIFORNIA -- After the City of Sacramento changed their flood zones, my home no longer needed flood insurance. I called Liberty Mutual to inform them; of course they never took care of it, though they said that they did. I had already thrown out the letter from whatever agency (I no longer remembered who they were) when Liberty Mutual called to tell me that they needed the letter faxed to them (they waited 2 weeks to discern this). The woman I originally spoke with told me she had taken care of the problem. So, I had to contact my mortgage company to get another copy of the letter.
So far, I've faxed this to Liberty Mutual 3 times since February (it's now 5/30). No response, but they sure are still charging me for flood insurance (which costs as much as regular house insurance). I will probably be buying another house next year, at which time I'll be switching to another insurance company. Since I also have this nightmare excuse for a business for my car insurance as well, I may just do the extra work now to transfer out of Liberty Mutual's rat's nest.
It *only* took them 6 months (for which I ended up paying over $350 for flood insurance that I didn't need) to finally take me off their books. "Resolved" is one way of putting it, if "resolved" means that I was cheated out of $350.