Liberty Mutual Insurance Denied Clearly Defined Insurance Claim TX Plano

I hired someone to power wash my house. The solution he used must have been far too strong because I could not only smell it in my house with the windows closed, it damaged the acrylic finish on my brand-new slab and destroyed plants that became spotted like they were sprayed with a chemical. They died off.

I found out who his insurance company was and submitted a claim. No adjuster came out. They took all of the pictures that I submitted where it showed the tread marks of his power washing machine etched into the finish of the slab. I provided before and after photos.

The power washing guy told Liberty Mutual that he didn't cause any damage and that the finish was defective and therefore he was not responsible. The finish was acrylic, and a strong bleach solution would cause damage. That does not deem it defective. In fact, if what they claim is true, then the grill I had sitting on the slab would have caused the same damage, but it didn’t cause any.

Liberty Mutual denied the claim and took his side. Their position was "we will uphold the policy holder's position because they are the one that pays us". So, it doesn't matter if the policy holder caused the damage if they have a "reason" not to pay the claim.

My past personal experience with Liberty Mutual was horrible and it's the reason I would never use them nor would ever recommend them. They denied the majority of my homeowner's claim from a burst pipe in my home. They proceeded to ask the contract to hand chisel the mud flooring to save the mud walls in the bathroom so they wouldn't have to pay to have a complete renovation.

The adjuster priced that work being paid out 2 cents per square foot. Manual labor at 2 cents a square foot! Liberty Mutual is in business to make money and not pay out claims. That much is clear. They will do whatever it takes to avoid playing out a claim no matter the amount of evidence you have that they should.

State Farm is the exact opposite. They are very accommodating. NEVER GO WITH LIBERTY MUTUAL. You've been warned that they are thieves.