I have liberty mutual homeowner insurance for many years. I had leak in my foyer and called my association ( I live in townhouse and homeowner association responsible for damages cause by any repair outside that cause damage inside. I called homeowner association and they found out that when they installed siding in 2019 they did not cover widows correctly and I got leak in foyer that damaged my ceiling. I made video when it was leaking during storm . Sent to homeowner association and they will fix it . I opened claim and adjuster came of and review damages. Unfortunately they told me that they will apply 1000$ deductible even I told them that its is not my fault and insurance should go after my home owner association. All of this was ignored and they issue check. I will go to small claim court and file complaint against liberty mutual.