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Warranty Denied ยท Liberty Home Guard

Liberty Home Guard denied my claim: how the appeal works

Liberty Home Guard is part of Liberty Home Guard LLC, based in Brooklyn, New York. This page is about the process its published contracts set out and the regulator that licenses it. Your own plan controls; read its dispute section before you send anything.

The appeal

Request the technician's report and the plan section relied on. Written appeal to the claims department with photos and maintenance records; ask specifically whether the denial is a coverage exclusion or a coverage cap, since the two are argued differently.

Arbitration, small claims, and the home-state regulator

Arbitration clause with a small-claims exception. New York-based, so the New York Department of Financial Services takes complaints as the home-state regulator.

The ladder, for this company

  1. Written appeal by certified mail within 30 days of the denial, with the claim number, asking for the technician's report and the clause relied on.
  2. Complaint to your state's regulator (find it) and, if different, the company's home-state regulator named above.
  3. Public complaint through the Better Business Bureau, which the company answers in public.
  4. Small claims for the gap if it fits under your state's cap; otherwise the arbitration named in the plan.

Run the free check with Liberty Home Guard selected

The paperwork, done

The Warranty Denied kit, $19 writes the appeal to your denial reason, the regulator complaint for your state, the timeline, and the arbitration-or-small-claims page. What's in it.

Written 2026-09-07 from the company's published plan terms and general complaint patterns. Not affiliated with Liberty Home Guard. Company names are used to identify the company only. If you are the company and something here is wrong, email jon@homestillworks.com and it will be corrected.