Liberty Mutual
Deck Buckled and House Shifting, Insurer Refuses Coverage

I own a 3 story house with a 2nd level deck that used to be a sunroom. My house is very old and the main cross boards are the floorboards for the 2nd level. A few weeks ago the deck buckled and the top 2 levels of my house shifted causing a great deal of damage. The deck needs to be replaced to stop further damage and for safety. It is our only exit except on the first floor and in the current condition the deck is not useable. From the deck buckling it has caused the stairs to the 3rd floor (my children's bedrooms) to separate, caused my overhangs to all shift several falling off the house, the floors buckled and it is clearly seen right thru the carpet in multiple rooms, even the roof has collapsed in multiple spots,
, and it has caused water damage and buckled paneling in the first floor. Also doors are no longer shutting properly. We called our insurance company? (who we have had since we bought the house) and they sent an agent out who says sorry we will not replace it or take care of any of the damage except replacing the outlet and paneling on 1 wall in the first floor. I said what if my house continues to shift and collapses, lives could be lost and the house destroyed, he says even if that happens we will not be responsible because you need to secure the deck. Then what the heck are insurance companies for? My house is collapsing, my children's lives are at risk just being here and they will not help! This company has no problem taking my money every month and is supposed to protect their customers when problems arise. If a pipe burst they will take care of all damage, but my roof is caving in and my house is collapsing and they won't do anything!

Company: Liberty Mutual
Country: USA
State: Massachusetts
City: Boston
ZIP: 02116
Address: 175 Berkeley Street
Phone: 6173579500
Site: libertymutual.com

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