Liberty Mutual
A global insurer and one of the largest property and casualty companies in the U.S. Liberty Mutual offers homeowners coverage through both direct channels and independent agents under the Safeco brand.
Headquarters
Boston, Massachusetts
Claims phone
800-225-2467
Website
www.libertymutual.comXactimate
Uses Xactimate for estimates
What Liberty Mutual is known for
- Top-five homeowners insurer nationally
- Owns Safeco (independent agent channel)
- Uses both staff and independent adjusters
Filing a claim with Liberty Mutual
Practical tips for restoration professionals working Liberty Mutual claims.
Liberty Mutual frequently uses virtual inspections for initial assessments. Request an in-person inspection if the damage is complex.
Their supplement process can be thorough but slow. Submit complete documentation on the first pass to avoid back-and-forth.
Liberty Mutual adjusters often miss interior damage related to exterior claims. Document every room affected.
Compare their estimate against current Xactimate pricing. They sometimes use older price lists.
Working with Liberty Mutual in Xactimate
Liberty Mutual adjusters write their property damage estimates in Xactimate. When you receive their scope, you can import it into Xactimate and run a line-by-line comparison against your own estimate. Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades. If you start with a PDF estimate from Liberty Mutual, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.
Common deductible types
Frequently asked questions
Call 800-225-2467 or file online at libertymutual.com. You can also use their mobile app. An adjuster will be assigned, and you will receive a claim number immediately.
Safeco is a subsidiary of Liberty Mutual sold exclusively through independent agents. The claims process is similar, but Safeco policyholders work with their independent agent for policy service.
Coverage depends on the policy terms, roof age, and cause of damage. Most Liberty Mutual homeowners policies cover sudden and accidental damage from covered perils like wind and hail. Check your policy for any cosmetic damage exclusions.
Convert your Liberty Mutual PDF to ESX
Upload a PDF estimate from Liberty Mutual. CapOut processes it and sends it directly to your Xactimate account.
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