I have been on short term disability since Feb of 2011 my knee started bothering me and i went to the dr he took me out of work till tests came back. They found i needed therapy and so forth well finally in april i had surgery on my knee and still unable to return to work yet. I have had nothing but problems with them im not getting my checks on time today i sit here and i am 3 weeks behind on my checks my needs inspected and my rent is due and i call them to talk to someone higher up and they refused to let me talk to anyone. They are blamming it on my dr for not reicieving my records but i know for a fact that my dr sent them to them i have proof. Also, When i need to talk to my case worker she is always on vacation or out of the office hmmm.. go figure. I told them they cant reach me until after 4 well they are closed around 4 or 5. so i told them i give permission for them to call my mom and give them the info they said they cant because i need to sign a written agreement or a verbal agreement. I said i just gave u verbal permission on the phone duh! Well she said that dont count. So anyways, this company is threw my work soo i have no choice but to go threw them. I am suppose to be relaxed and letting my knee heel but it can not heal propery if im under all this stress. I need some advice i was about to call BBB on them.

I was currently on workers compensation and unfortunately my workers comp insurance company was Liberty Mutual.My adjuster was never in her office, she constantly send me the wrong amount that was owed to me.My attorney tried to get her supervisor, but was not succesful.This company has made my time out of work a living hell!!I did not ask to get hurt at work.They lie and cheat you out of your money that is owed to you!!!I'm still fighting for the money that is owed to me, which is rediculous!!!

Sloppiest job I ever saw...door panel left hanging with arm rest not screwed on...mirror adustment handle broken...I will notify Liberty Mutual

of this poor workmanship you are purposely making it hard to file a complaint I dont need 100 words.if you insist here goes ...you stink your

workmanship is poor. my insurance company will get a copy of this trick

to make me not file. i am really upset with these practices and will never

use you services. I will let anyone I speak to see this and tell them to be aware of these games

I’m trying to help my fellow home-owning friends avoid being scammed for $1000s of extra in insurance premiums by their home insurer, as I was. Simple step: Ask your home insurance company for a copy of the detailed report they used to calculate your home’s replacement value.
Please also email me if you have had this same problem.


For Liberty Mutual customers, it’s called a XactValue report, and is about 3-4 pages in length. If your agent won’t give you the report, tries to give you their one page report, or says one doesn’t exist, they’re lying, and most likely you are being overcharged premiums on a bigger or more luxurious home than you actually own. I was overcharged over $1, 200 over a 3 year period.

If you find that you were overcharged based on the fictitious values the insurance company used to describe your house to calculate the premiums, please contact me, as I’m pursing a personal lawsuit against Liberty Mutual Insurance, a complaint with the State Attorney’s office, Insurance commissioner, as well as class action lawsuit possibilities. I was subject to an insurance scam, and I’m sure the way Liberty Mutual runs this, there are others out there.


Background:

When I bought my home, I called my insurance company for 10 years, Liberty Mutual. I talked with an agent, Tom Holt, who asked me a series of questions about my house, such as the number of rooms, amenities, etc. He then told me my home replacement value was and the associated premium, and began insuring my home.


It wasn’t until this year when Liberty increased my premiums by 35% (I had not had any claims since Liberty insured me), I decided to shop around with other insurers on their rates. I found that the other insurers had my home replacement value calculated at less than ½ the value that Liberty had calculated, with an associated much lower premium. When I asked Liberty why they had my home replacement value so high, they initially tried to give reasons like material costs have gone down or my mortgage company probably required it. I checked around and found that these were not true. When I confronted my agent, he avoided my questions. Liberty’s only response was basically tough luck; you signed the application, so you agreed with the premium. Note that there is absolutely no information on my application about the characteristics of my home. They even stated that I must have asked for this higher level of coverage, which wasn’t true. Recently I found that it is illegal for an insurance company in Minnesota to knowingly insure your home for more than its replacement value.


It is only when I filed a lawsuit against Liberty that their attorney provided me with a detailed XactValue report, which showed that Tom Holt, the insurance agent, had put in the report that I had four extra rooms (that didn’t exist), had solid marble sinks and countertops, marble Jacuzzi tubs, and brass fixtures in EVERY bathroom (I have none of these in any of my bathrooms), skylights, crown moldings, French doors, built in speakers and bookcases, chair rails, etc., none of which are in my home. Most astonishingly, he said I had cathedral ceilings in EVERY bedroom, even a cathedral ceiling in the basement! Again, I wasn’t told or didn’t know that such a XactValue report existed when I insured my home. No wonder my replacement value was so high, which drove my high premiums.

And what’s Liberty’s response when I confronted them with this report? They stated I must have told them all these specifications on my home when I took the policy, so it was my fault!


Caveat Emptor, my friends.


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I hurt my back working as an EMT/Firefighter moving a patient. i filled a workers comp claim with liberty mutual my rep their was Dori Dyson. She done every thing she could to stop me from getting help i lost 2 disks and bulged 4 others i have spinal cord narrowing and a host of other issiues that were caused by my work injurie. they paid for one perscription and every time i went to an appoment with the surgen and or the doctor she would cancel it when i gopt their it is very hard for me to get around and she new that this went on for a year after that time she informed me that since i haven:t seen a dr in a year that they did not have to pay for my medical any more and that was all i asked was to help me get back to normal i didn't want any money. After they denied my medical because of the year time limit i decided to go get a lawer and found out that the year time limit also apllied to any law suit. It is my belief she stonewalled me for that year on purpose just to save liberty mutial a few thousad dollars after my fire department paid several thousand every 3 mounths. But i see comercials all the time where they are putting on these large fireworks displays and sponsering football and just about every other sport that you cam think of. I am still messed up very bad i have exxtream pain and mobility issues and now that the pain has been so bad for so long my heart has started to show the stress with hi blood presser chest pain and tacacardia. WHAT EVER YOU DO DO NOT DEPEND ON LIBERTY MUTIAL THEY WOULD RUTHER YOU BE DEAD IF IT WILL SAVE THEM A BUCK.
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