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Liberty Mutual Insurance - Unamerican Company
Home Owners Insurance - Complaint
Review by chesmyshepard on 2012-05-10
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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 unAmerican. THIS IS A VERY BAD, UNETHICAL COMPANY!
Comments:
Posted by ok4now on 2012-05-11:
Here's the problem with staying with the insurance that is already on the home. There is a previous claim history. You have no knowledge of what that is but Liberty Mutual does. Even though you are the new homeowner they look at it as preexisting problems. I would dump them and shop for a new company.
This creates another problem. All previous claims on this property are on the CLUE report. This is a database that all insurance companies use to share claim history. You can't suddenly file a claim for roof damage when it has been previously reported. Your between a rock and a hard place on this one buddy. Again shop around and explain the situation. Good luck.
This creates another problem. All previous claims on this property are on the CLUE report. This is a database that all insurance companies use to share claim history. You can't suddenly file a claim for roof damage when it has been previously reported. Your between a rock and a hard place on this one buddy. Again shop around and explain the situation. Good luck.
Posted by Nohandle on 2012-05-11:
I'm curious as to why a claim was not filed when the hail damage occurred and the roof replaced at that time. Also, am curious as to why a home inspection was not done before the purchase. Most real estate companies will guarantee a home for a certain period of time after purchase, usually a year unless it's stated: As Is. If purchasing from an individual I guess you are on your own.
Excellent information OK and food for thought. My 94 year old aunt is furious as the pounding goes on atop her roof. She's out right now $11K and her insurance won't pay a penny but claim it was due to poor workmanship replacing the prior roof about 8 years ago. I guess she signed off it was fine at the time. Oh my.
Excellent information OK and food for thought. My 94 year old aunt is furious as the pounding goes on atop her roof. She's out right now $11K and her insurance won't pay a penny but claim it was due to poor workmanship replacing the prior roof about 8 years ago. I guess she signed off it was fine at the time. Oh my.
Posted by CowboyFan on 2012-05-11:
You do not technically "take over" homeowners insurance, but have your own policy. Unless there was a pending claim for the roof at the time the house was sold, the insurance company is right that any such claims were waived by the prior owner not making a claim at the time of the incident.
If there was a ding in a used car one purchased, could the new owner file a claim under the prior owner's policy for collision coverage-probably not, even if their insurance companies were the same.
If there was a ding in a used car one purchased, could the new owner file a claim under the prior owner's policy for collision coverage-probably not, even if their insurance companies were the same.
Posted by Frank D. on 2013-02-20:
Liberty Mutual Ins SUCK's the screwed me too on a broken pipe. In my 6th week trying to get paid from them and repair the damage. A pathetic insurance company , don't buy it
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