If you have a Liberty Mutual policy and a water, fire, mold, or storm loss, we are the restoration company that documents the full damage in Xactimate and advocates for the full covered scope.
The Liberty Mutual claim process
- Call Liberty Mutual at 1-800-225-2467 or use the Liberty Mutual mobile app. Get your claim number.
- Liberty Mutual assigns a field adjuster, typically within 24-72 hours.
- We begin emergency mitigation immediately.
- Documentation: photos, thermal imaging, moisture readings, soft-goods inventory.
- We attend the adjuster walk-through with you.
- Xactimate scope submitted; differences negotiated line by line.
- Final scope, payment, work proceeds.
- Final walkthrough.
Liberty Mutual claim right now?
Call (317) 764-2375.
What Liberty Mutual typically covers
Sudden water damage — yes (HO-3 standard).
Sump pump backups — only with the water/sewer backup endorsement.
Mold — typically capped at $5,000-$10,000 for mold caused by a covered loss.
Fire — yes.
Storm/wind/hail — yes.
Related carriers
FAQs
How do I file a Liberty Mutual claim?
Call 1-800-225-2467 or use the app. Then call us.
Does Liberty Mutual cover sump pump backups?
Only with the water/sewer backup endorsement.
Do I need claim approval before you start?
No. We begin emergency mitigation immediately.