My family got bad mold (which we documented in our claim including photos) in the kitchen at our house. We discovered it on Saturday since a family member has severe asthma and I have bad allergies and we were having trouble breathing. We never had this breathing issue in our kitchen before. We were lucky to have a friend who pulled up tiles on the floor and after a few tiles he said the floor was wet and soft with mold. The source was the area of the refrigerator. Prior to this we recently accidentally dropped a large package of frozen hamburger meat on the granite tile which caused cracks we were hoping to fix and not have to deal with an insurance claim. Perhaps the refrigerator malfunctioned or something else was happening in the floor. First they had me dealing with one person. He said I needed to have a mold remediation place come over but he didn't have any recommendations for me. I called and had a mold remediation place come. When I got off the phone and set up the visit from the mold remediation company, they had me dealing with another person. Two days ago, the other person said he would have everything taken care of in my claim after he spoke with the mold remediation company. Yesterday he said he needs to know the source of the problem to see if I even have coverage for it. He said we need to hire a plumber at our expense (after repeatedly telling him there is no waterline connected to the fridge or in the area) and someone to move the fridge to see the source of the problem. Liberty Mutual doesn't want to address my claim and instead is simply sending a letter summarizing my conversation with them today via mail. When I called the adjusted today to discuss, he was as nasty as always and refused to honor the coverage for the cracked floor which insurance companies cover on homeowners insurance or the water/mold damage. On top of this, I can tell you from personal experience their auto insurance rates are always at least double what I currently pay. I found out how high their auto rates were when I switched. Every so often a Liberty Mutual salesperson offers to quote our auto coverage and they don't know what to say when I mention how high their rates are. Liberty Mutual will probably send a canned answer they are addressing my claim which won't be true.