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Liberty Mutual faces suit over alleged denial of hail roof claim
A homeowner alleges Liberty Mutual cited a 365-day reporting requirement, even after its inspection and engineer found storm-consistent roof damage, and it calculated a $2,363.90 pricing gap.
A Colorado homeowner has filed a complaint alleging Liberty Mutual denied his hail damage roof claim despite finding damage during its own inspection and engineering review. The complaint, filed July 2, 2026, says the insurer refused to pay for hail-related roof harm under a homeowners policy that covered hail as a covered cause of loss, with $292,500.00 in dwelling coverage and a $2,500.00 deductible, according to Insurance Business.
The homeowner alleges a hailstorm hit the property on or about July 8, 2023, and that Liberty Mutual materials later showed 1.6-inch hail at the location. The filing says Liberty Mutual listed April 4, 2025 as the first notice of loss, inspected on April 23, 2025, and denied the claim the same day, stating the shingle damage was storm-consistent but denying coverage based on a 365-day reporting requirement for hail claims.
After the homeowner hired a public adjuster, the complaint says Liberty Mutual reinspected on June 4, 2025 and produced an estimate with a replacement cost value of $30,129.71. It then denied the claim again on June 6, 2025, pointing to the reporting gap along with wear and tear, marring and deterioration, Insurance Business reported, and the filing alleges Liberty Mutual characterized the issue’s financial impact as a pricing difference between two estimates.
The lawsuit also describes competing engineering opinions, with a firm Liberty Mutual retained inspecting on July 18, 2025 and, according to the complaint, acknowledging hail struck the home but concluding roof shingles in the roof fields were not hail-damaged. The complaint further alleges that a claims manager told the homeowner on June 10, 2025 that the company still investigates and adjusts late claims even though coverage is occurrence-based, meaning it depends on when the loss happened rather than when it was reported, according to Insurance Business.