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Texas Carrier Complaint Index/Liberty Mutual Personal Insurance Company

Texas Department of Insurance record

Liberty Mutual Personal Insurance Company

Texans filed 272 homeowner complaints against Liberty Mutual Personal Insurance Company between January 1, 2023 and July 15, 2026. The state reviewed them and agreed with the homeowner 43 times. Across all 272, 42 ended with the carrier paying the homeowner more money — 17 of them complaints the state had confirmed.

43
complaints confirmed by TDI
15.8%
of complaints confirmed · 6.1 points below the statewide average.
3.30×
complaints per policy vs. average (2025)
42
of all 272 complaints ended with additional money paid

TDI weighs complaints against business written: 47,655 homeowners policies in force in 2025. This carrier draws more complaints than its size predicts. The index covers that year alone; the complaint counts on this page cover the whole window since 2023.

What these complaints were about

TDI issue tags and confirmed reasons
Issue tags across all 272 complaints
Adjuster's handling168 · 31 confirmed
Water damage122 · 18 confirmed
Roof104 · 20 confirmed
Hail78 · 14 confirmed
Plumbing59 · 8 confirmed
Damage dispute49 · 8 confirmed
Deductible44 · 5 confirmed
Wind35 · 3 confirmed
Tags overlap and TDI records them on about 78% of complaints, so these are floors.
How the 43 confirmed complaints closed
Corrective action taken32 · 74%
Information furnished21 · 49%
Claim settled18 · 42%
Additional monies received17 · 40%
Contract language / legal issue13 · 30%
Question of fact7 · 16%
Additional Payment Expected7 · 16%
Premium Refunded2 · 5%
One complaint can close with several dispositions, so shares overlap. Median time from filing to close: 72 days, against 71 statewide.

By year

Complaints received · 2026 is partial
202370 filed · 10 confirmed
2024104 filed · 17 confirmed
202580 filed · 15 confirmed
202618 filed · 1 confirmed

The records

120 most recent of 272 · confirmed rows shaded
ReceivedClosedTDI verdictWhat the complaint was aboutHow it closed
Jul 7, 2026Jul 24, 2026
17 days		Not confirmed
Claim service & handlingDelay — claims handlingPolicy ExclusionUnsatisfactory settlement or offerRoofAppraisalAdjuster's handling
Company position upheldInformation furnishedContract language / legal issue
Jun 17, 2026Jul 7, 2026
20 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialAdjuster's handling
Contract language / legal issue
Jun 15, 2026Jul 24, 2026
39 days		Not confirmed
Refund of premium
Information furnishedPremium Refunded
Jun 12, 2026Jun 26, 2026
14 days		Confirmed
Delay — claims handlingAdjuster's handling
Claim settledCorrective action taken
May 28, 2026Jun 12, 2026
15 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageLoss of useAdjuster's handling
Contract language / legal issueAdditional monies receivedInformation furnished
May 19, 2026Jun 9, 2026
21 days		Not confirmed
Claim denialWater damagePlumbing
Company position upheldContract language / legal issueInformation furnished
May 8, 2026Jun 11, 2026
34 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingLoss of useAdjuster's handling
Company position upheldClaim settledQuestion of fact
Apr 30, 2026May 13, 2026
13 days		Not confirmed
Claim denialWater damageDamage disputePlumbingMoldAdjuster's handling
Company position upheldContract language / legal issueInformation furnished
Apr 29, 2026May 19, 2026
20 days		Not confirmed
Policyholder serviceRefund of premium
Corrective action takenQuestion of factInformation furnished
Apr 14, 2026Apr 29, 2026
15 days		Not confirmed
Claim service & handlingDelay — claims handlingEndorsement / RiderPolicy ExclusionUnsatisfactory settlement or offerWater damageMoldAdjuster's handling
Contract language / legal issueCompany position upheldClaim settled
Apr 14, 2026May 7, 2026
23 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingFoundationAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
Apr 10, 2026Apr 29, 2026
19 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageWindAdjuster's handling
Contract language / legal issueQuestion of factAdditional monies received
Mar 18, 2026Apr 20, 2026
33 days		Not confirmed
Claim service & handlingDelay — claims handlingPrompt PayAppraisalLoss of use
Additional monies receivedInformation furnished
Mar 13, 2026Apr 13, 2026
31 days		Not confirmed
Claim denialWater damagePlumbingFoundationAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
Feb 24, 2026Mar 26, 2026
30 days		Not confirmed
Claim service & handlingDelay — claims handlingPrompt PayUnsatisfactory settlement or offerRoofDamage disputeAppraisalAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Feb 19, 2026Mar 23, 2026
32 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbing
Question of factInformation furnishedCompany position upheld
Feb 18, 2026Mar 12, 2026
22 days		Not confirmed
Claim denialWater damageFoundationAdjuster's handling
Contract language / legal issueCompany position upheld
Jan 29, 2026Feb 20, 2026
22 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damagePlumbingMoldAdjuster's handling
Company position upheldQuestion of factContract language / legal issue
Dec 29, 2025Feb 19, 2026
52 days		Not confirmed
Claim service & handlingClaim denialPolicy ExclusionRoofHailWater damageWindDamage disputeAdjuster's handling
Information furnishedCompany position upheldQuestion of fact
Dec 18, 2025Feb 26, 2026
70 days		Not confirmed
Claim service & handlingPolicyholder serviceDelay — claims handlingClaim denialWater damagePlumbingLoss of useMoldFoundation
Information furnishedCompany position upheldQuestion of fact
Dec 8, 2025Jan 7, 2026
30 days		Not confirmed
Unsatisfactory settlement or offerRoofDepreciationAdjuster's handling
Contract language / legal issueInformation furnishedAdditional monies received
Dec 8, 2025Dec 30, 2025
22 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailWater damageDepreciationAdjuster's handling
Question of factCorrective action takenClaim settled
Nov 25, 2025Feb 13, 2026
80 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of use
Contract language / legal issueQuestion of factCompany position upheld
Nov 21, 2025Dec 16, 2025
25 days		Not confirmed
Policyholder serviceUnsatisfactory settlement or offerHailDeductibleDepreciation
Company position upheldAdditional monies receivedContract language / legal issue
Nov 20, 2025Jan 27, 2026
68 days		Not confirmed
Delay — claims handlingClaim denialHailWindDamage disputeAdjuster's handling
Contract language / legal issueCompany position upheld
Nov 17, 2025Feb 5, 2026
80 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offer
Company position upheldContract language / legal issue
Nov 12, 2025Dec 22, 2025
40 days		Not confirmed
Policyholder service
Contract language / legal issueQuestion of fact
Nov 6, 2025Dec 3, 2025
27 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Information furnishedQuestion of factContract language / legal issue
Oct 31, 2025Jan 9, 2026
70 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailWater damage
Contract language / legal issueCompany position upheld
Oct 22, 2025Jan 30, 2026
100 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Oct 21, 2025Jan 8, 2026
79 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWindDamage disputeLoss of useAdjuster's handling
Contract language / legal issueCompany position upheldCorrective action taken
Oct 6, 2025Oct 29, 2025
23 days		Not confirmed
Claim service & handlingClaim denialRoofHailWindAdjuster's handling
Information furnishedContract language / legal issueQuestion of fact
Sep 22, 2025Jan 30, 2026
130 days		Not confirmed
Claim service & handlingClaim denialPost-Claim UnderwritingPremium & ratingRoofHail
Contract language / legal issueCompany position upheldQuestion of fact
Sep 19, 2025Nov 14, 2025
56 days		Not confirmed
Claim service & handlingRoofHailDamage disputeAdjuster's handling
Appraisal Process InvokedClaim settledContract language / legal issue
Sep 18, 2025Jan 9, 2026
113 days		Not confirmed
Unsatisfactory settlement or offerWater damagePlumbingDeductibleDepreciationFoundationAdjuster's handling
Company position upheldContract language / legal issueInformation furnished
Sep 4, 2025Jan 9, 2026
127 days		Not confirmed
Policyholder servicePremium & ratingRefund of premiumUse Of Clue ReportsWater damageFoundation
Information furnishedCompany position upheldContract language / legal issue
Sep 2, 2025Dec 15, 2025
104 days		Not confirmed
Claim service & handlingDelay — claims handlingWindAdjuster's handling
Information furnishedAdditional monies receivedContract language / legal issue
Aug 22, 2025Dec 29, 2025
129 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingDepreciationLoss of useFoundation
Company position upheldAdditional monies receivedQuestion of fact
Aug 21, 2025Nov 13, 2025
84 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageDamage disputeAdjuster's handling
Additional monies receivedCorrective action takenClaim settled
Aug 8, 2025Sep 17, 2025
40 days		Not confirmed
Claim service & handlingWater damagePlumbingMoldAdjuster's handling
Question of factInformation furnishedContract language / legal issue
Aug 6, 2025Sep 8, 2025
33 days		Not confirmed
Claim denialRoofHailAdjuster's handling
Question of factInformation furnishedContract language / legal issue
Jul 31, 2025Sep 4, 2025
35 days		Not confirmed
Claim service & handlingClaim denialEndorsement / RiderPolicy ExclusionWater damageAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Jul 28, 2025Dec 17, 2025
142 days		Confirmed
Unsatisfactory settlement or offerWater damageDamage disputePlumbingAdjuster's handling
Contract language / legal issueCorrective action takenAdditional Payment Expected
Jul 28, 2025Dec 16, 2025
141 days		Confirmed
Policyholder service
Information furnishedCorrective action taken
Jul 25, 2025Nov 14, 2025
112 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialPolicy ExclusionWater damageWindDeductibleAdjuster's handling
Question of factContract language / legal issue
Jul 14, 2025Aug 19, 2025
36 days		Confirmed
Claim service & handlingDelay — claims handlingRoofAdjuster's handling
Information furnishedQuestion of fact
Jul 9, 2025Sep 24, 2025
77 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damageLoss of use
Information furnishedAppraisal Process InvokedClaim settled
Jul 2, 2025Oct 30, 2025
120 days		Not confirmed
Delay — claims handlingDepreciation
Company position upheldContract language / legal issueQuestion of fact
Jul 2, 2025Sep 18, 2025
78 days		Not confirmed
Unsatisfactory settlement or offerWater damage
Contract language / legal issueInformation furnishedCompany position upheld
Jun 25, 2025Oct 20, 2025
117 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageLoss of useMoldAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
Jun 25, 2025Sep 24, 2025
91 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Corrective action takenClaim settledInformation furnished
Jun 20, 2025Aug 19, 2025
60 days		Not confirmed
Premium & rating
Information furnishedCompany position upheldContract language / legal issue
Jun 17, 2025Jul 14, 2025
27 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Company position upheldContract language / legal issue
Jun 17, 2025Oct 17, 2025
122 days		Not confirmed
Claim denialNon-RenewalPremium & ratingUnsatisfactory settlement or offerUse Of Clue ReportsRoofHailDeductible
Company position upheldContract language / legal issueMediation Paid Amount
Jun 16, 2025Aug 13, 2025
58 days		Not confirmed
Claim service & handlingPremium & ratingRoofDeductibleAdjuster's handling
Contract language / legal issueCompany position upheld
Jun 12, 2025Jul 1, 2025
19 days		Not confirmed
Claim service & handlingClaim denialRoofHailAdjuster's handling
Contract language / legal issueInformation furnishedQuestion of fact
Jun 11, 2025Oct 8, 2025
119 days		Not confirmed
Claim denialWater damagePlumbingMold
Company position upheldContract language / legal issueInformation furnished
Jun 11, 2025Aug 25, 2025
75 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWindDeductibleAdjuster's handling
Information furnishedQuestion of factContract language / legal issue
Jun 6, 2025Oct 13, 2025
129 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerLoss of use
Contract language / legal issueQuestion of factAdditional Payment Expected
Jun 2, 2025Aug 13, 2025
72 days		Not confirmed
Claim service & handlingDelay — claims handling
Claim settledContract language / legal issueCompany position upheld
May 30, 2025Sep 18, 2025
111 days		Not confirmed
Claim service & handlingDelay — claims handlingDepreciationAdjuster's handling
Claim settledInformation furnished
May 27, 2025Oct 1, 2025
127 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeMoldAdjuster's handling
Question of factCompany position upheldContract language / legal issue
May 22, 2025Jul 7, 2025
46 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damageDamage disputeMoldFoundationAdjuster's handling
Company position upheldContract language / legal issueQuestion of fact
May 13, 2025Aug 14, 2025
93 days		Not confirmed
Claim service & handlingClaim denialUnsatisfactory settlement or offerRoofHailWindDamage dispute
Company position upheldContract language / legal issue
May 13, 2025Aug 4, 2025
83 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerDepreciationAdjuster's handling
Additional monies receivedInformation furnishedQuestion of fact
Apr 17, 2025Aug 22, 2025
127 days		Not confirmed
Claim denialRoofHailWater damageWindDamage disputeDeductibleMoldAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Apr 17, 2025Jul 31, 2025
105 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofWindDamage disputeAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Apr 14, 2025Jun 11, 2025
58 days		Confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Corrective action takenContract language / legal issueAdditional Payment Expected
Apr 10, 2025Jun 11, 2025
62 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWindAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
Apr 10, 2025Jul 3, 2025
84 days		Not confirmed
Claim denialRoofAdjuster's handling
Contract language / legal issueQuestion of fact
Apr 9, 2025Jun 10, 2025
62 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Company position upheldContract language / legal issueAdditional monies received
Apr 7, 2025Jul 29, 2025
113 days		Not confirmed
Claim denialWater damageWindDamage disputeLoss of useAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Apr 7, 2025May 29, 2025
52 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Contract language / legal issueQuestion of factInformation furnished
Apr 2, 2025Jul 25, 2025
114 days		Not confirmed
Claim service & handlingClaim denialUnsatisfactory settlement or offerWater damagePlumbingLoss of useMoldAdjuster's handling
Company position upheldContract language / legal issueClaim settled
Mar 31, 2025Jul 24, 2025
115 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeAdjuster's handling
Information furnishedQuestion of fact
Mar 31, 2025Jul 23, 2025
114 days		Confirmed
Unsatisfactory settlement or offerRoofHailDamage disputeAdjuster's handling
Claim settledCorrective action takenQuestion of fact
Mar 25, 2025Jul 30, 2025
127 days		Not confirmed
Claim service & handlingDelay — claims handlingHailWater damageDamage disputeAppraisalDepreciation
Contract language / legal issueAdditional monies received
Mar 11, 2025Jun 13, 2025
94 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofAdjuster's handling
Claim settledCompany position upheldContract language / legal issue
Mar 10, 2025Jun 19, 2025
101 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeAppraisalAdjuster's handling
Question of factContract language / legal issueClaim settled
Mar 7, 2025Jun 11, 2025
96 days		Confirmed
Claim service & handlingDelay — claims handlingClaim denialAppraisalAdjuster's handling
Corrective action takenClaim settledContract language / legal issue
Mar 6, 2025Apr 2, 2025
27 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Contract language / legal issueClaim settledCompany position upheld
Mar 5, 2025Sep 3, 2025
182 days		Not confirmed
Delay — claims handlingClaim denialPremium & ratingUnfair Discrim-Clms HandlingWindDamage disputeDeductible
Contract language / legal issueCompany position upheldClaim settled
Mar 4, 2025Jun 30, 2025
118 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailWindAppraisal
Contract language / legal issueAdditional monies receivedInformation furnished
Feb 28, 2025Jul 15, 2025
137 days		Not confirmed
Delay — claims handlingPremium & ratingUse Of Clue ReportsWater damageWindDamage disputePlumbingDeductible
Information furnishedCompany position upheld
Feb 28, 2025Jun 9, 2025
101 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialRoofHailWater damageWindAdjuster's handling
Company position upheldContract language / legal issueInformation furnished
Feb 27, 2025Apr 1, 2025
33 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerDepreciationAdjuster's handling
Contract language / legal issueInformation furnishedClaim settled
Feb 26, 2025Jul 10, 2025
134 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingDeductibleMold
Question of factAdditional monies receivedContract language / legal issue
Feb 25, 2025Jun 9, 2025
104 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Contract language / legal issueCompany position upheldClaim settled
Feb 19, 2025May 6, 2025
76 days		Confirmed
Claim service & handlingDelay — claims handlingClaim denialRoofWater damageDamage disputeAdjuster's handling
Corrective action takenAdditional Payment ExpectedInformation furnished
Feb 13, 2025Jul 10, 2025
147 days		Confirmed
Claim service & handlingClaim denialRoofHailDeductibleDepreciationAdjuster's handling
Additional Payment ExpectedInformation furnishedCorrective action taken
Feb 12, 2025Jun 27, 2025
135 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerAdjuster's handling
Company position upheldInformation furnishedQuestion of fact
Feb 6, 2025Jun 25, 2025
139 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWindDeductibleAdjuster's handling
Contract language / legal issueInformation furnishedCompany position upheld
Jan 29, 2025Mar 17, 2025
47 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindMoldAdjuster's handling
Additional Payment ExpectedContract language / legal issueCorrective action taken
Jan 27, 2025Jun 23, 2025
147 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofDamage disputeAppraisalAdjuster's handling
Company position upheldQuestion of factAdditional Payment Expected
Jan 13, 2025May 28, 2025
135 days		Confirmed
Policyholder serviceRefund of premium
Corrective action takenPremium RefundedInformation furnished
Jan 10, 2025Feb 3, 2025
24 days		Not confirmed
Premium & ratingRefund of premium
Company position upheldContract language / legal issue
Jan 3, 2025Jan 28, 2025
25 days		Confirmed
Claim service & handlingDelay — claims handlingWater damageDeductibleLoss of use
Information furnishedClaim settled
Jan 2, 2025May 16, 2025
134 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailWater damageWindAppraisal
Contract language / legal issueInformation furnishedAdditional monies received
Dec 27, 2024Mar 4, 2025
67 days		Not confirmed
Claim service & handlingClaim denialWater damageMoldAdjuster's handling
Information furnishedCompany position upheldContract language / legal issue
Dec 20, 2024Apr 30, 2025
131 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputeDeductibleDepreciation
Company position upheldAdditional monies receivedContract language / legal issue
Dec 11, 2024Mar 31, 2025
110 days		Not confirmed
Claim service & handlingClaim denialRoofLoss of useAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Dec 6, 2024Apr 15, 2025
130 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useMold
Question of factContract language / legal issueCompany position upheld
Nov 25, 2024May 6, 2025
162 days		Not confirmed
Policyholder serviceDelay — policyholder serviceRefund of premiumUnsatisfactory settlement or offer
Information furnishedPremium RefundedContract language / legal issue
Nov 19, 2024Apr 25, 2025
157 days		Not confirmed
Claim service & handlingDelay — claims handlingAppraisalAdjuster's handling
Information furnishedAdditional Payment Expected
Nov 18, 2024Mar 25, 2025
127 days		Confirmed
Policyholder serviceRefund of premium
Corrective action takenInformation furnishedPremium Refunded
Nov 13, 2024Mar 14, 2025
121 days		Not confirmed
Claim service & handlingClaim denialRoofHailAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
Nov 8, 2024Mar 13, 2025
125 days		Not confirmed
Claim service & handlingClaim denialWater damagePlumbingFoundationAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Nov 8, 2024Dec 3, 2024
25 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageDepreciationMoldAdjuster's handling
Additional monies receivedAdditional Payment ExpectedInformation furnished
Oct 30, 2024Apr 14, 2025
166 days		Not confirmed
Claim service & handlingClaim denialDamage disputeAdjuster's handling
Additional Payment ExpectedInformation furnishedContract language / legal issue
Oct 29, 2024Apr 8, 2025
161 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Corrective action takenInformation furnishedAdditional monies received
Oct 25, 2024Apr 24, 2025
181 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerPlumbingDepreciationLoss of useAdjuster's handling
Additional monies receivedCorrective action takenInformation furnished
Oct 24, 2024Nov 12, 2024
19 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageWind
Company position upheldContract language / legal issueQuestion of fact
Oct 24, 2024Apr 22, 2025
180 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingDepreciationLoss of useMoldFoundationAdjuster's handling
Contract language / legal issueAdditional Payment ExpectedQuestion of fact
Oct 22, 2024Mar 28, 2025
157 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageDamage disputeAdjuster's handling
Additional Payment ExpectedContract language / legal issueCompany position upheld
Oct 18, 2024Mar 7, 2025
140 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerHailWater damageDeductibleAppraisalAdjuster's handling
Information furnishedQuestion of factCompany position upheld
Oct 9, 2024Apr 25, 2025
198 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailDamage disputeAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Oct 8, 2024Jan 31, 2025
115 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialRoofHailWindAdjuster's handling
Contract language / legal issueInformation furnishedCompany position upheld
Oct 7, 2024Feb 19, 2025
135 days		Confirmed
Cancellation
Information furnishedPolicy Issued/RestoredCorrective action taken
Sep 27, 2024Jan 31, 2025
126 days		Not confirmed
Use Of Clue ReportsDeductible
Company position upheldQuestion of factContract language / legal issue
Sep 23, 2024Jan 27, 2025
126 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeDeductibleDepreciationAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld

These are the rows TDI publishes, unedited. Complaint records are already de-identified at source — no complainant name, address, or dollar figure is published, and none is shown here. This table shows the 120 most recent of 272 records; the counts everywhere else on this page cover all 272. The full set is downloadable from the Texas Open Data Portal.

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About this record

Source: Texas Department of Insurance, “Insurance complaints: All data”, homeowners coverage, complaints received on or after January 1, 2023 where Liberty Mutual Personal Insurance Company is named as an organizational respondent. Snapshot pulled July 28, 2026.

A confirmed complaint is one TDI reviewed and found had merit. It is not a finding of bad faith, a court judgment, or a regulatory sanction. Complaint volume tracks how much business a carrier writes, which is why the complaints-per-policy index above matters more than the raw count. Legally distinct affiliates file separately and are not combined here. Full method on the index methodology.

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Data: Texas Department of Insurance open data portal · Analysis: claimOS · This page reports public regulatory records and draws no legal conclusions about Liberty Mutual Personal Insurance Company.