{"id":"liberty-mutual","page":"https://escalate.alexgaoth.com/#/c/liberty-mutual","html":"https://escalate.alexgaoth.com/c/liberty-mutual/","generated":"2026-10-15","company":{"id":"liberty-mutual","name":"Liberty Mutual","aliases":["liberty mutual insurance","liberty mutual group","libertymutual"],"sector":"insurance_property","website":"https://www.libertymutual.com","regulators":[],"channels":[{"id":"claims-phone","type":"phone","label":"Claims support (personal auto and home)","value":"+1-800-225-2467","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Online claim filing and tracking are available 24/7, 365 days a year.","source":"https://www.libertymutual.com/customer-support/claims-support","last_verified":"2026-10-12"},{"id":"customer-service-phone","type":"phone","label":"Policy, billing or other service questions (and cancellations)","value":"+1-800-290-8711","purposes":["bill_increase","billing_error","cancel_service","poor_service"],"notes":"Customers who bought through an agency should contact the agent for extra support.","source":"https://www.libertymutual.com/customer-support","last_verified":"2026-10-12"},{"id":"claims-center","type":"portal","label":"Claims Center (file and track a claim)","value":"https://www.libertymutual.com/claims-center","purposes":["claim_delay","claim_denial"],"source":"https://www.libertymutual.com/customer-support","last_verified":"2026-10-12"},{"id":"small-business-claims-phone","type":"phone","label":"Small business claims (1-844-3-CLAIMS)","value":"+1-844-325-2467","hours":"24/7","source":"https://www.libertymutual.com/customer-support/claims-support","last_verified":"2026-10-12"},{"id":"corporate-contact","type":"mail","label":"Liberty Mutual Insurance headquarters","value":"Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116","purposes":["claim_denial","poor_service"],"notes":"Phone 617-357-9500. The corporate contact page also lists a Complaints link under general information and feedback.","source":"https://www.libertymutualgroup.com/about-lm/corporate-information/contact-us","last_verified":"2026-10-12"}],"escalation":[{"rung":"frontline","channel":"claims-phone","note":"Or the assigned claims representative."},{"rung":"supervisor","note":"Ask for the claims representative's manager."},{"rung":"written_complaint","channel":"corporate-contact","note":"Use the Complaints link on the corporate contact page, or write to headquarters. Ask for the denial and the policy language it relies on, in writing."},{"rung":"state_agency","agency_kind":"insurance_department","note":"Liberty Mutual's state claim disclosures name the state insurance department for settlement disagreements."},{"rung":"arbitration","note":"Liberty Mutual says an insured who disagrees with its determination of the amount of loss can use the policy's appraisal provision."},{"rung":"small_claims"}],"playbooks":[{"issue":"claim_denial","summary":"Ask for the itemized valuation, dispute in writing, use appraisal for an amount dispute, then complain to the state.","evidence":["claim number","denial or settlement letter","itemized valuation","policy and declarations page","photos","estimates","comparable vehicle listings"],"steps":[{"do":"For a total loss, ask for the itemization of the evaluation. Read your state's claims disclosure on the Liberty Mutual site.","channel":"claims-center"},{"do":"Call claims support. Ask for the reason and the policy language in writing, and give your evidence.","channel":"claims-phone"},{"do":"If you disagree only about the amount of the loss, invoke the appraisal provision of the policy."},{"do":"File a complaint with your state insurance department."}],"facts":[{"kind":"policy","claim":"Liberty Mutual says that if you are its insured and disagree with its determination of the amount of loss, you are entitled to exercise the appraisal provision of your policy.","issues":["claim_denial"],"source":"https://www.libertymutual.com/claims-center/claims-third-party-faqs","last_verified":"2026-10-12"},{"kind":"deadline","claim":"In New Hampshire, if you disagree with a total-loss value, you can present evidence from 2 reliable sources within 15 days of receipt of the settlement payment that the vehicle had a higher cash value.","issues":["claim_denial"],"source":"https://www.libertymutual.com/claims-center/claims-faq/auto-claims-disclosures","last_verified":"2026-10-12"},{"kind":"contact","claim":"Liberty Mutual's property claims disclosures list the Texas Department of Insurance (800-252-3439) for Texas property claims.","issues":["claim_denial","claim_delay"],"source":"https://www.libertymutual.com/claims-center/claims-faq/property-claims-disclosures","last_verified":"2026-10-12"}]},{"issue":"claim_delay","summary":"Track the claim online, call claims support, then the state insurance department.","evidence":["claim number","dates of each contact","documents sent"],"steps":[{"do":"Track the claim online and send what is missing.","channel":"claims-center"},{"do":"Call claims support and ask for the representative's manager if there is no progress.","channel":"claims-phone"},{"do":"File a complaint with your state insurance department."}]},{"issue":"bill_increase","summary":"Review the policy online, then ask service or the agent what changed.","evidence":["prior declarations page","renewal declarations page","billing transaction history"],"steps":[{"do":"Log in online and review the policy and Billing > Transaction History."},{"do":"Call service, or the agent for agency policies, to ask why the premium changed and which discounts apply.","channel":"customer-service-phone"}]}],"facts":[{"kind":"policy","claim":"Liberty Mutual says cancellation fees and process depend on your state's rules, and you can call 800-290-8711 anytime about cancelling.","issues":["cancel_service"],"source":"https://www.libertymutual.com/cancelling-your-policy","last_verified":"2026-10-12"}],"known_blockers":["libertymutual.com returned 403 to automated page readers on 2026-10-12; values come from official-domain search results.","Policy and claim tracking need sign-in.","Agency-sold policies are serviced through the agent."],"notes":"Liberty Mutual sells personal auto and home insurance directly and through agents. Claims disclosures and appraisal rules differ by state.","official_domains":["libertymutual.com","libertymutualgroup.com"]},"playbooks":{"claim_denial":{"company":{"id":"liberty-mutual","name":"Liberty Mutual","sector":"insurance_property","website":"https://www.libertymutual.com","account_url":null},"issue":{"id":"claim_denial","name":"Insurance claim denied"},"playbook_source":"company","summary":"Ask for the itemized valuation, dispute in writing, use appraisal for an amount dispute, then complain to the state.","evidence":["claim number","denial or settlement letter","itemized valuation","policy and declarations page","photos","estimates","comparable vehicle listings"],"steps":[{"do":"For a total loss, ask for the itemization of the evaluation. Read your state's claims disclosure on the Liberty Mutual site.","channel":{"id":"claims-center","type":"portal","label":"Claims Center (file and track a claim)","value":"https://www.libertymutual.com/claims-center","purposes":["claim_delay","claim_denial"],"source":"https://www.libertymutual.com/customer-support","last_verified":"2026-10-12"}},{"do":"Call claims support. Ask for the reason and the policy language in writing, and give your evidence.","channel":{"id":"claims-phone","type":"phone","label":"Claims support (personal auto and home)","value":"+1-800-225-2467","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Online claim filing and tracking are available 24/7, 365 days a year.","source":"https://www.libertymutual.com/customer-support/claims-support","last_verified":"2026-10-12"}},{"do":"If you disagree only about the amount of the loss, invoke the appraisal provision of the policy."},{"do":"File a complaint with your state insurance department."}],"channels":[{"id":"claims-phone","type":"phone","label":"Claims support (personal auto and home)","value":"+1-800-225-2467","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Online claim filing and tracking are available 24/7, 365 days a year.","source":"https://www.libertymutual.com/customer-support/claims-support","last_verified":"2026-10-12"},{"id":"claims-center","type":"portal","label":"Claims Center (file and track a claim)","value":"https://www.libertymutual.com/claims-center","purposes":["claim_delay","claim_denial"],"source":"https://www.libertymutual.com/customer-support","last_verified":"2026-10-12"},{"id":"small-business-claims-phone","type":"phone","label":"Small business claims (1-844-3-CLAIMS)","value":"+1-844-325-2467","hours":"24/7","source":"https://www.libertymutual.com/customer-support/claims-support","last_verified":"2026-10-12"},{"id":"corporate-contact","type":"mail","label":"Liberty Mutual Insurance headquarters","value":"Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116","purposes":["claim_denial","poor_service"],"notes":"Phone 617-357-9500. The corporate contact page also lists a Complaints link under general information and feedback.","source":"https://www.libertymutualgroup.com/about-lm/corporate-information/contact-us","last_verified":"2026-10-12"}],"facts":[{"kind":"policy","claim":"Liberty Mutual says that if you are its insured and disagree with its determination of the amount of loss, you are entitled to exercise the appraisal provision of your policy.","issues":["claim_denial"],"source":"https://www.libertymutual.com/claims-center/claims-third-party-faqs","last_verified":"2026-10-12"},{"kind":"deadline","claim":"In New Hampshire, if you disagree with a total-loss value, you can present evidence from 2 reliable sources within 15 days of receipt of the settlement payment that the vehicle had a higher cash value.","issues":["claim_denial"],"source":"https://www.libertymutual.com/claims-center/claims-faq/auto-claims-disclosures","last_verified":"2026-10-12"},{"kind":"contact","claim":"Liberty Mutual's property claims disclosures list the Texas Department of Insurance (800-252-3439) for Texas property claims.","issues":["claim_denial","claim_delay"],"source":"https://www.libertymutual.com/claims-center/claims-faq/property-claims-disclosures","last_verified":"2026-10-12"}],"rules":{"in_force":[],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","note":"Or the assigned claims representative.","channel":{"id":"claims-phone","type":"phone","label":"Claims support (personal auto and home)","value":"+1-800-225-2467","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Online claim filing and tracking are available 24/7, 365 days a year.","source":"https://www.libertymutual.com/customer-support/claims-support","last_verified":"2026-10-12"}},{"index":1,"rung":"supervisor","note":"Ask for the claims representative's manager.","candidate_channels":[]},{"index":2,"rung":"written_complaint","note":"Use the Complaints link on the corporate contact page, or write to headquarters. Ask for the denial and the policy language it relies on, in writing.","channel":{"id":"corporate-contact","type":"mail","label":"Liberty Mutual Insurance headquarters","value":"Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116","purposes":["claim_denial","poor_service"],"notes":"Phone 617-357-9500. The corporate contact page also lists a Complaints link under general information and feedback.","source":"https://www.libertymutualgroup.com/about-lm/corporate-information/contact-us","last_verified":"2026-10-12"}},{"index":3,"rung":"state_agency","note":"Liberty Mutual's state claim disclosures name the state insurance department for settlement disagreements.","agency_kind":"insurance_department","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"arbitration","note":"Liberty Mutual says an insured who disagrees with its determination of the amount of loss can use the policy's appraisal provision."},{"index":5,"rung":"small_claims"}],"known_blockers":["libertymutual.com returned 403 to automated page readers on 2026-10-12; values come from official-domain search results.","Policy and claim tracking need sign-in.","Agency-sold policies are serviced through the agent."],"security":{"official_domains":["libertymutual.com","libertymutualgroup.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"B","primary_share":1.0,"sources":{"primary":9},"verified_from":{"page":9},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade B (good: mostly official pages; check the flagged values before relying on them). 100% of 9 sources are the organization's own pages or government sites; only 9 sourced values, so the entry is thin.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Liberty Mutual sells personal auto and home insurance directly and through agents. Claims disclosures and appraisal rules differ by state.","warnings":[]},"claim_delay":{"company":{"id":"liberty-mutual","name":"Liberty Mutual","sector":"insurance_property","website":"https://www.libertymutual.com","account_url":null},"issue":{"id":"claim_delay","name":"Insurance claim delayed"},"playbook_source":"company","summary":"Track the claim online, call claims support, then the state insurance department.","evidence":["claim number","dates of each contact","documents sent"],"steps":[{"do":"Track the claim online and send what is missing.","channel":{"id":"claims-center","type":"portal","label":"Claims Center (file and track a claim)","value":"https://www.libertymutual.com/claims-center","purposes":["claim_delay","claim_denial"],"source":"https://www.libertymutual.com/customer-support","last_verified":"2026-10-12"}},{"do":"Call claims support and ask for the representative's manager if there is no progress.","channel":{"id":"claims-phone","type":"phone","label":"Claims support (personal auto and home)","value":"+1-800-225-2467","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Online claim filing and tracking are available 24/7, 365 days a year.","source":"https://www.libertymutual.com/customer-support/claims-support","last_verified":"2026-10-12"}},{"do":"File a complaint with your state insurance department."}],"channels":[{"id":"claims-phone","type":"phone","label":"Claims support (personal auto and home)","value":"+1-800-225-2467","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Online claim filing and tracking are available 24/7, 365 days a year.","source":"https://www.libertymutual.com/customer-support/claims-support","last_verified":"2026-10-12"},{"id":"claims-center","type":"portal","label":"Claims Center (file and track a claim)","value":"https://www.libertymutual.com/claims-center","purposes":["claim_delay","claim_denial"],"source":"https://www.libertymutual.com/customer-support","last_verified":"2026-10-12"},{"id":"small-business-claims-phone","type":"phone","label":"Small business claims (1-844-3-CLAIMS)","value":"+1-844-325-2467","hours":"24/7","source":"https://www.libertymutual.com/customer-support/claims-support","last_verified":"2026-10-12"}],"facts":[],"rules":{"in_force":[],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","note":"Or the assigned claims representative.","channel":{"id":"claims-phone","type":"phone","label":"Claims support (personal auto and home)","value":"+1-800-225-2467","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Online claim filing and tracking are available 24/7, 365 days a year.","source":"https://www.libertymutual.com/customer-support/claims-support","last_verified":"2026-10-12"}},{"index":1,"rung":"supervisor","note":"Ask for the claims representative's manager.","candidate_channels":[]},{"index":2,"rung":"written_complaint","note":"Use the Complaints link on the corporate contact page, or write to headquarters. Ask for the denial and the policy language it relies on, in writing.","channel":{"id":"corporate-contact","type":"mail","label":"Liberty Mutual Insurance headquarters","value":"Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116","purposes":["claim_denial","poor_service"],"notes":"Phone 617-357-9500. The corporate contact page also lists a Complaints link under general information and feedback.","source":"https://www.libertymutualgroup.com/about-lm/corporate-information/contact-us","last_verified":"2026-10-12"}},{"index":3,"rung":"state_agency","note":"Liberty Mutual's state claim disclosures name the state insurance department for settlement disagreements.","agency_kind":"insurance_department","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"arbitration","note":"Liberty Mutual says an insured who disagrees with its determination of the amount of loss can use the policy's appraisal provision."},{"index":5,"rung":"small_claims"}],"known_blockers":["libertymutual.com returned 403 to automated page readers on 2026-10-12; values come from official-domain search results.","Policy and claim tracking need sign-in.","Agency-sold policies are serviced through the agent."],"security":{"official_domains":["libertymutual.com","libertymutualgroup.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"B","primary_share":1.0,"sources":{"primary":9},"verified_from":{"page":9},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade B (good: mostly official pages; check the flagged values before relying on them). 100% of 9 sources are the organization's own pages or government sites; only 9 sourced values, so the entry is thin.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Liberty Mutual sells personal auto and home insurance directly and through agents. Claims disclosures and appraisal rules differ by state.","warnings":[]},"bill_increase":{"company":{"id":"liberty-mutual","name":"Liberty Mutual","sector":"insurance_property","website":"https://www.libertymutual.com","account_url":null},"issue":{"id":"bill_increase","name":"Bill went up"},"playbook_source":"company","summary":"Review the policy online, then ask service or the agent what changed.","evidence":["prior declarations page","renewal declarations page","billing transaction history"],"steps":[{"do":"Log in online and review the policy and Billing > Transaction History."},{"do":"Call service, or the agent for agency policies, to ask why the premium changed and which discounts apply.","channel":{"id":"customer-service-phone","type":"phone","label":"Policy, billing or other service questions (and cancellations)","value":"+1-800-290-8711","purposes":["bill_increase","billing_error","cancel_service","poor_service"],"notes":"Customers who bought through an agency should contact the agent for extra support.","source":"https://www.libertymutual.com/customer-support","last_verified":"2026-10-12"}}],"channels":[{"id":"customer-service-phone","type":"phone","label":"Policy, billing or other service questions (and cancellations)","value":"+1-800-290-8711","purposes":["bill_increase","billing_error","cancel_service","poor_service"],"notes":"Customers who bought through an agency should contact the agent for extra support.","source":"https://www.libertymutual.com/customer-support","last_verified":"2026-10-12"},{"id":"small-business-claims-phone","type":"phone","label":"Small business claims (1-844-3-CLAIMS)","value":"+1-844-325-2467","hours":"24/7","source":"https://www.libertymutual.com/customer-support/claims-support","last_verified":"2026-10-12"}],"facts":[],"rules":{"in_force":[],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","note":"Or the assigned claims representative.","channel":{"id":"claims-phone","type":"phone","label":"Claims support (personal auto and home)","value":"+1-800-225-2467","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Online claim filing and tracking are available 24/7, 365 days a year.","source":"https://www.libertymutual.com/customer-support/claims-support","last_verified":"2026-10-12"}},{"index":1,"rung":"supervisor","note":"Ask for the claims representative's manager.","candidate_channels":[]},{"index":2,"rung":"written_complaint","note":"Use the Complaints link on the corporate contact page, or write to headquarters. Ask for the denial and the policy language it relies on, in writing.","channel":{"id":"corporate-contact","type":"mail","label":"Liberty Mutual Insurance headquarters","value":"Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116","purposes":["claim_denial","poor_service"],"notes":"Phone 617-357-9500. The corporate contact page also lists a Complaints link under general information and feedback.","source":"https://www.libertymutualgroup.com/about-lm/corporate-information/contact-us","last_verified":"2026-10-12"}},{"index":3,"rung":"state_agency","note":"Liberty Mutual's state claim disclosures name the state insurance department for settlement disagreements.","agency_kind":"insurance_department","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"arbitration","note":"Liberty Mutual says an insured who disagrees with its determination of the amount of loss can use the policy's appraisal provision."},{"index":5,"rung":"small_claims"}],"known_blockers":["libertymutual.com returned 403 to automated page readers on 2026-10-12; values come from official-domain search results.","Policy and claim tracking need sign-in.","Agency-sold policies are serviced through the agent."],"security":{"official_domains":["libertymutual.com","libertymutualgroup.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"B","primary_share":1.0,"sources":{"primary":9},"verified_from":{"page":9},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade B (good: mostly official pages; check the flagged values before relying on them). 100% of 9 sources are the organization's own pages or government sites; only 9 sourced values, so the entry is thin.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Liberty Mutual sells personal auto and home insurance directly and through agents. Claims disclosures and appraisal rules differ by state.","warnings":[]}},"escalation":[{"index":0,"rung":"frontline","note":"Or the assigned claims representative.","channel":{"id":"claims-phone","type":"phone","label":"Claims support (personal auto and home)","value":"+1-800-225-2467","purposes":["claim_denial","claim_delay"],"access":"open","notes":"Online claim filing and tracking are available 24/7, 365 days a year.","source":"https://www.libertymutual.com/customer-support/claims-support","last_verified":"2026-10-12"}},{"index":1,"rung":"supervisor","note":"Ask for the claims representative's manager.","candidate_channels":[]},{"index":2,"rung":"written_complaint","note":"Use the Complaints link on the corporate contact page, or write to headquarters. Ask for the denial and the policy language it relies on, in writing.","channel":{"id":"corporate-contact","type":"mail","label":"Liberty Mutual Insurance headquarters","value":"Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116","purposes":["claim_denial","poor_service"],"notes":"Phone 617-357-9500. The corporate contact page also lists a Complaints link under general information and feedback.","source":"https://www.libertymutualgroup.com/about-lm/corporate-information/contact-us","last_verified":"2026-10-12"}},{"index":3,"rung":"state_agency","note":"Liberty Mutual's state claim disclosures name the state insurance department for settlement disagreements.","agency_kind":"insurance_department","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"arbitration","note":"Liberty Mutual says an insured who disagrees with its determination of the amount of loss can use the policy's appraisal provision."},{"index":5,"rung":"small_claims"}],"security":{"official_domains":["libertymutual.com","libertymutualgroup.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"B","primary_share":1.0,"sources":{"primary":9},"verified_from":{"page":9},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade B (good: mostly official pages; check the flagged values before relying on them). 100% of 9 sources are the organization's own pages or government sites; only 9 sourced values, so the entry is thin.","dossier_last_verified":null},"dossier":null,"guide":{"key":"insurance_property","title":"Auto, home and renters insurance — how complaints work","last_verified":"2026-10-12","file":"guides/insurance_property.md","page":"https://escalate.alexgaoth.com/#/guides/insurance_property"}}