I just filed a complaint with the Utah State Insurance Commissioner's office against them. They are the insurer for a contracting company that I hired nearly two years ago for renovations in a Utah property. Contractor clipped pipe, flooded my place, $10k+ of damage. And no, even though the contractor was installing washer/dryer and working with water pipes, they didn't shut the water off which even amateurs know to do. Company apologizes vehemently, accepts responsibility, and claims they are fully insured and it will be taken care of.
Liberty Mutual, without ever seeing the material used, denied the company's claim to pay me based on "age of the building and/or inadequate material." The building was less than 10 years old, and the piping used for the water that was clipped is standard and widely used CPVC. More, Liberty Mutual never saw the material, never received pictures of it, etc., so they just automatically denied the claim and waited for a suit to be filed so they could try settling for less than the damage amount.
Suddenly, after my complaint to the state, they have a "new agent looking into it" who wants to waste even more of my time for receipts for everything, etc.