Getting screwed by Liberty Mutual insurance after flood

[Edita D.]

Hey there!

All our policies (personal residence, auto and our rentals) are with Liberty Mutual.

We filed a water damage claim at our residence after the flood in our 2 bedroom 1250 sq ft house 1.5 weeks ago, and it's been awful ever since. Our insurance adjuster is completely unresponsive to direct questions, and considers our residence habitable when it is not. When confronted to make a comment on habitability when I bring up all the items that make the hosue inhabitable, she avoids answering.

I chose Liberty Mutual becuase it was very well rated on A.M. Best and other sites rating insurance companies, NOT because it was the cheapest. I am so frustrated with all the time it's taking me to deal with them chanigng their minds, referring and deferring me, and dealing with their vendors who don't deliver on time. The adjuster lies to us over the phone, but we have no proof of it, so yesterday we asked that all communication be via email.

Did anybody have a similar experience with Liberty Mutual? How do you go about negotiations so that both parties walk away satisfied?