Liberty Mutual covers homeowners in the Los Angeles area.
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Liberty Mutual has been around for over 100 years, offering homeowners insurance coverage for various types of property damage, including fire, smoke, mold, and water-related issues. If your home sustains any of these forms of damage, your policy may help cover the costs of the professional services we provide at Onsite Pro Restoration.
However, coverage varies by state and policy details. This page outlines what a standard Liberty Mutual homeowners insurance policy typically covers in California. If you’re wondering what your policy includes, let’s review your policy together.
Does Liberty Mutual Cover Water Damage?
Yes, Liberty Mutual’s insurance covers water damage caused by sudden and accidental events like a burst pipe or dishwasher malfunction.
This means you may be covered for services like:
- Water removal and drying out the area to prevent further damage
- Structural repairs if your floors, walls, or ceilings are affected
- Personal property replacement for damaged furniture, electronics, and other belongings.
However, similar to Liberty Mutual’s position on mold coverage, standard policies do not cover damage caused by floods, slow water leaks, sewer backups, or sump pump failures.
For such events, they offer an additional protection policy called the Water Backup or Overflow Coverage, depending on your state.
Review your Liberty Mutual homeowners policy with us.
Fire and Smoke Damage: What’s Covered?
Liberty Mutual’s insurance cover can help you rebuild after a fire of any size.
Coverage generally includes:
- Structural repairs to restore your home’s integrity
- Smoke and soot cleanup to remove lingering odors and stains
- Replacement of damaged personal property
- Temporary housing expenses if your home is unlivable during repairs
However, their standard homeowners policy does not cover weather hazards like storms or fires. For that, you need Home Hazard Insurance.
We can help you determine if your Liberty Mutual policy covers fire, water damage, and other catastrophes.
Liberty Mutual Mold Coverage: What’s Included?
Mold remediation is typically covered only if the mold results from a covered water damage event.
For example, if a pipe bursts and leads to mold growth, you may be eligible for coverage. However, mold caused by long-term moisture issues or poor ventilation is not covered.
If you’ve discovered mold in your home, don’t wait! Acting fast will prevent further damage and health risks. Contact Onsite Pro Restoration today for a professional assessment and help navigating your Liberty Mutual mold coverage claim.
Filing a Claim with Liberty Mutual
Liberty Mutual makes it easy to file home claims online 24/7. Once submitted, you can track your claim’s progress through your online account or call for updates.
Remember that every policy is different, so reviewing your coverage options beforehand is essential.
To ensure a smooth claims process, follow these steps:
- Document the damage with photos and videos. Also, write down a comprehensive account of what happened.
- If you’re unsure of how to go about step one, call Onsite Pro Restoration for immediate assistance. We will assess the damage and provide professional documentation to strengthen your claim.
- File your claim for Liberty Mutual mold, fire, or water damage coverage online or call their 24/7 claims line.
- Be present for the adjuster’s visit, with a restoration expert from our team on-site to ensure a fair assessment.
- Once coverage is confirmed, we will begin restoring your home immediately.
We can also start work as soon as you give the go-ahead, whether your claim is approved or not.
Let’s Review Your Policy Together
Understanding your insurance coverage is the first step in protecting your home. Onsite Pro Restoration has years of experience working with Liberty Mutual and other insurance providers. We can help you navigate the claims process and get the restoration services you need.
Mold is usually only covered if it results directly from a sudden and accidental covered loss, like a burst pipe. Liberty Mutual policies often include limits or require a mold endorsement.
Yes, fire and smoke are typically covered perils in Liberty Mutual policies, including damage to the structure and belongings, minus your deductible.
Sudden and accidental water damage (such as a pipe burst) is usually covered. Flooding from outside sources requires separate flood insurance.