Liberty Mutual Insurance Co. Complaint - Homeowners Claim From Town Shade Tree Uprooting And Falling On Our Home
NUTLEY, NEW JERSEY -- On June 10, 2008,a storm swept through our town and destroyed our home. We contacted Liberty Mutual hours later. Your adjustor, came to assess the damages a few days later. He sent the insurance contractor to come and do an assessment of damages. Damages were to much for the insurance contractor to make an assessment by therefore, asked for a structural engineer to come in. Engineers came in for Liberty Mutual. The report was written up leaving a lot of damages out. At our request, we asked that the engineer come back with our builder to point out more damages that were not in the report. The structural engineer for Liberty Mutual came back the second time, and said that he stands by his original report. This forced us to hire a public adjuster, Liberty Mutual's adjusters stood by engineering report and wanted us to go through arbitration at this time, which we refused due to the fact that our contractor felt the damages were far beyond what the adjuster had originally claimed. Based on the engineering report, the insurance contractor had to write up an estimate for repairs based on their engineering report. We had to at this time we were compelled to hire our own engineer due to the fact that we were beginning to sense we were being treated unfairly.
Our Engineering associates came in to assess the damages at our expense and wrote up an engineering report enumerating damages that were totally silent in Liberty Mutual's report. This report was submitted to Liberty Mutual through our Public Adjustor. After 6 months from the date of initial claim, Liberty's adjusters acknowledge by stating that they will be sending a different engineering firm to assess that there was more damage than originally recorded in their original engineer report. We are now going into the 7th month of this claim.
We ask for your assistance to get this claim adjudicated and settled as soon as possible. We would expect that Liberty Mutual would live up to its obligations as promised in their insurance contract and that is, to settle this claim as expeditiously and as fairly as possible. It is getting to the point where we feel that Liberty Mutual and their claims department is not honoring their obligations under the contract and is not settling in good faith. Please if you insure with LIBERTY MUTUAL cancel your HOMEOWNERS POLICY NOW BEFORE IT HAPPENS TO YOUR FAMILY.
To whom it may concern, Below is another attempt to deal with your adjustor ,Since this claim was opened on 6/10/09 Your adjustor has done everything possible not to settle this claim in good faith and to make me and my family suffer and fight to settle a claim which is your responsibility to settle in good faith .It started with an engineering report from Atlantic that I had proven through hiring my own engineering firm that there was so much more damage to our home and when we were waiting for Mr. M---e to do the right thing and give us an offer that was just and fair, to find out yesterday that He was up to his old tricks again and in His spiteful ways offered a mere fraction of what we are entitled to. We gave the proof you needed to settle this claim through our very professional engineering report not like the one Atlantic did for Liberty Mutual why can't this be settled fairly?
Liberty Mutual Insurance Company is continuing with the investigation into the reported tree damage sustained at our residence, which is insured under policy number H32----------- with effective dates of 10/15/2007 through 10/15/2008. This letter was prepared to inform you why the claim has not yet settled.Although you state that our Public adjustor never returns your calls,
and your doing everything possible to settle this claim,The way I see it is that Liberty Mutual stood by Atlantic Engineering Structural Report I received dated 6/27/08.which left out a lot of damage not in the report and I had to at this time hire Metro PA services and Retain my own Engineering firm and furnish
my own report dated 10/17/08 showing all the damage to the residence including pictures and architectural drawings
We are now into our 8th month on this claim of which 4 months were wasted on a engineering report that was not a fair and true, evaluation of the damages even with Atlantic coming to look at the residence twice. I am asking for at this time is for Liberty Mutual to get this claim settled and own up to their RESPONSIBILITY thru the policy and settle in good faith.
More to come I will keep all posted until we reach a fair outcome.