All claims on this website are supported by documentation. Review the evidence and legal disclaimers below.
This website documents a personal consumer experience with Brothers Heating & Air, Liberty Mutual Insurance, and Lowe's. All factual claims are supported by documentation including service records, professional environmental reports, email correspondence, and regulatory filings.
The information presented on this website consists of:
Where opinions are expressed, they are clearly identified as the opinions of the website author based on their personal experience. Opinions include:
Nothing on this website constitutes legal advice. If you are facing a similar situation with a contractor or insurance company, consult with a licensed attorney in your jurisdiction.
The website author has made every effort to ensure the accuracy of all information presented. All documents referenced are available for review. If any party believes information on this site is inaccurate, they may contact the site administrator with specific corrections and supporting documentation.
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Quotes from company communications and professional reports are reproduced under fair use for purposes of consumer advocacy, criticism, and commentary.
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The following documents support the claims made on this website. Click to download.
Professional environmental assessment dated November 11, 2025 documenting Category 3 contamination and identifying cause as improper installation.
Download PDFChronological summary of all events from installation through regulatory complaints.
Download PDFInvoice from the original HVAC installation through Lowe's.
Download ImageService invoice documenting Brothers' acknowledgment of the issue.
Download ImageNC Court of Appeals decision showing pattern of similar conduct. Case No. COA 17-1203.
View Court RecordAll available documentation compiled into a single downloadable archive.
Download AllIf you're experiencing similar issues with HVAC contractors or insurance companies in North Carolina, here are the regulatory bodies that can help.
For: Insurance company complaints, bad faith claims handling
Website: ncdoi.gov
Phone: 1-855-408-1212
File Complaint: Online Form
For: HVAC contractor licensing complaints
Website: nclicensing.org
Phone: (919) 875-3612
File Complaint: Submit in writing with documentation
For: Consumer protection, unfair trade practices
Website: ncdoj.gov
Phone: (919) 716-6000
File Complaint: Online Form
For: Business complaints, public record of issues
Website: bbb.org
File Complaint: Online Form