They are really nice before you sign up. Good luck getting a claim through. No local adjusters. You take photos and email them. Of course they don't ask for specifics so the estimate is wrong. You get a check quick but in the wrong amount. It's been over 5 weeks since my claim and I still don't have the work scheduled. It took them 3 1/2 weeks to approve the estimate. And this is using their preferred contractor. Now my emails and phone messages aren't getting returned by Liberty Mutual. Stay clear of this company. I would give them -100 stars if I could.