Coverage Status: Coverage Varies
It depends on the details of the incident. Liberty Mutual's coverage for earthquake damagevaries based on your specific policy terms, coverage types, and how the incident occurred.
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I had earthquake damage and filed a claim with Liberty Mutual.
Met all policy requirements and submitted proper documentation.
Liberty Mutual reviewed my earthquake damage claim last year.
Some aspects were covered, but I had a high deductible to meet first.
Experienced earthquake damage and contacted Liberty Mutual immediately.
Quick response and proper coverage in my policy made the process smooth.
Every Liberty Mutual policy is different. Upload your policy documents to get a personalized analysis of whether your specific coverage includes earthquake damage.
Contact Liberty Mutual's claims department immediately through their 24/7 hotline, mobile app, or website. Have your policy number and incident details ready.
You'll typically need photos of damage, police reports (if applicable), receipts for damaged items, and any relevant incident reports. Your claims adjuster will specify exact requirements.
Most claims are processed within 1-4 weeks, but complex cases may take longer. Emergency situations often receive expedited processing.
Premium increases depend on your claims history, the severity of the incident, and whether you were at fault. First-time claims for covered perils may not affect rates.
You can appeal the decision by providing additional documentation, requesting a second review, or contacting your state's insurance commissioner if you believe the denial was unfair.