I filed a claim with Liberty Mutual on May 21, 2019 for an waste flooding in my home on May 17th, 2019. The insurance adjuster never came to my house, never saw the damages but received loads of pictures and e-mails. He quickly honored an invoice for a plumber with no contract, no estimate and no proposal for over $7, 000.00. The plumber did about $800.00 in work and provided about $20.00 in material, never correcting the back up problem. The insurance company disputes estimates from four reputable contractors to rebuild my space that their mitigation team demolished over three weeks ago. I pay my insurance and my mortgage on time and promptly for 16 years. Liberty Mutual 's Claims adjuster has been stalling for weeks now while my home has bare walls torn down to the studs and a toilet hole with the toilet sitting in the middle of the floor. It's a nightmare. I have called and written to their corporate office and was referred to a claims manager who referred me back to the claims adjuster who is maliciously and deceptively stalling the payment of this claim. I have paid more than $700.00 in out of pocket expenses have had over $1, 000.00 in personal losses and when their water mitigation crew inadvertently disconnected my deep freezer all of the food in it was spoiled. This is now going into the third weekend and the claims adjuster will send a text message (stalling) he is working on it (stalling) he needs to talk to my contractors (stalling) In the meantime I still pay my mortgage pay all my insurance polices and my home is a living nightmare with photographs and documentation. The adjuster who denies or minimizes the value of the claim has never seen the space and sent only a water and clean up crew. The walls are gone, the floor is gone the damages by the average contractor exceeds $10, 000.00 but the claims adjuster is still (working on it). It's bad enough that unprofessional contractors scam and lie to seniors, minorities or individuals so situation that they can't just make unrealistic changes but when an insurance company holds on to the money for a claim like it's coming out of his pocket and even tried to suggest paying less than 1/3 of what four different contractors proposed is unethical. I went to corporate as stated, the office sent me to his supervisor a claims manager who sent me back to the adjuster. I have over 45 e-mails and 40 pictures to document and confirm my claim. It is demeaning and horrific that I have been forced to live in these conditions while the claims adjuster stalls completing the claim so the contractors can get to work. He sent his mitigation team in the next day to dry my basement, rip out my floors and walls and run electrical equipment for five days. They've been gone for two weeks or more and the adjuster is still "working on it". This is a typical stall tactic of adjusters I have talked to an attorney and I am filing with the Consumer Protection Bureau. OMG This is a nightmare.