Mercury Insurance Arvostelua 

Made a claim on my mercury home insurance August 12 and still to this day I have not got a estimate or settlement on my damages call the adjuster several times says she will get it done but still nothing how long does it take to get my settlement and fix my roof is it the mercury insurance it self or the adjuster not doing her job
Don’t get me wrong good prices but claims I’m worried

Please read before buying homeowner’s insurance from Mercury. My husband’s 91 yo dad lives in NJ (we live in WI). FIL’s house flooded on July 4, 2026. Mercury responded to my husband calling and immediately sent out a mitigation company. However, amidst industrial fans set up through the house, torn up flooring and drywall, Mercury called the company and told them to stop the work immediately. The company left and nobody contacted my FIL or husband (who had left his info for contact). FIL is rightfully upset as a week passed with nobody returning and he had been living in a very unsafe situation. He called us to say nobody is doing anything, there’s debris and fan cords everywhere, and gave us contractor info. Fortunately, the contractor is really helpful (and felt really bad about leaving FIL in these conditions). We get ahold of him and he said Mercury told them to leave the place immediately and nobody there will respond. He gave us the adjuster’s name to contact. She didn’t return messages to us, either. Finally leave message for a supervisor and adjuster miraculously calls. Read her the riot act about not notifying us about the situation so we could have helped him sooner. She lied and said they’d been calling but nobody answered at FIL’s house. He always answers, but he’s very difficult to communicate with due to hearing loss (which is why we left our contact info initially). Anyhow, only at that point - us tracking her down via the contractor - did she start organizing a field adjuster to go out. This has now gone on over two months where they don’t put through the reports for approval, they don’t respond to the contractor, and there’s still all of FIL’s flooring torn up, most drywall is now up, and personal belongings are strewn everywhere. I finally found a supervisor’s name and left voicemail. Waited a few hours for a callback - this is two months now in crisis mode due to the unsafe and very uncomfortable living conditions - and then file a complaint with NJ dept of Banking & Insurance. Now approvals are flying, payments are being made (and yet intentionally delayed, as I told the adjuster initially FIL has a flip phone, he can’t do online banking and acceptance of any payments). Of course they send him a message on his phone that he has to accept payment via text - so another sign of either incompetence or operating in bad faith - equally bad causes.
We shall see if they can wrap it up. I do feel they owe FIL compensation for their neglect and causing him to live in very dangerous set up. Their opinion is WE DIDN’T ASK for temporary housing. Um….we also didn’t realize how inept you were, initially, ir that you’d intentionally drag this out so long. I have pics. It was so bad the first month with the equipment everywhere and a 91 yo having to navigate it with a walker. Never did the adjuster mention temporary housing option even though I repeatedly told her it was unsafe at the home MANY times.
We will see if they can now finish it up, since the State will
Investigate. Anyhow, strongly recommend a different insurer.

Smooth and easy transaction

It was easy, quick and headache free.

Disliked the late notices and being passed off to different people for the requested information they asked me to provide.

Great experience overall. Super nice and did not pressure us or rush me on our call.

I worked with two people. First one regarding the quote and the second for paying. They both were knowlegable but the second lady was sooo slow.

The agent was patient, understanding, and welcoming. I have been driving for 45 years and have never felt safer than I do now with Mercury insurance.

I had a great experience switching to Mercury Insurance. My representative Erika couldn't have been nicer and made it all so easy. She was very thorough to make sure I received every discount and I am now paying a lower rate than with my previous insurer, in addition to receiving great service.

I live in an area where it is extremely difficult to get homeowner's insurance outside of the FAIR Plan and I am forever grateful to Mercury Insurance for writing us a new policy and saving us money.

The representatives I dealt with were all well-informed, responsive and professional. They followed up as promised and explained every step of the process in a way that was easily understandable.

I can't thank Mercury Insurance enough for the high-quality service they have provided.

Excellent service and also always pleasant and answered my questions for now .

My agent was very informative and helpful with setting up the insurance. Also provided me on great tips to conserve on my bill when I asked.

i don't know why it took 6+ weeks to get renters insurance for a one bedroom, with just me and my wife. it was an insanely difficult process, and mercury seemed to be the culprit. the price also increased 30% because it took so long to complete the process.

The insurance salesman was very knowledgeable. He explained things well and helped me compare coverages.

I wish I could give Mercury zero stars. My experience handling a claim with them was unbelievably frustrating from beginning to end.

After an accident on August 3, I immediately reported that the car needed to be moved urgently because it had damaged a gas line and PG&E could not complete repairs until it was removed. Despite explaining the emergency, I ultimately had to coordinate and escalate the towing situation myself.

Communication after that was somehow worse. I repeatedly asked Mercury whether my vehicle was going to be repaired or totaled because I did NOT have rental coverage and was paying for a rental entirely out of pocket. Instead of giving me an answer, Mercury authorized repairs, the body shop gave me an August 31 completion date, and I continued receiving updates for more than two weeks saying repairs were underway. On the MORNING of August 26, the shop told me my car was “nearing completion.” That afternoon, Mercury suddenly called and told me the vehicle was a total loss.

By that point, I had spent more than $3,200 on rental cars while reasonably believing I was simply waiting for my repaired vehicle to be returned. Had Mercury communicated properly, I could have put that money toward replacing the car weeks earlier.

The problems continued even after the total-loss decision. I had to chase people down regarding reimbursement for my daughter’s car seat, figure out which department was responsible for different pieces of the claim, and I even had to catch and report that Mercury put the WRONG VIN on my DMV transfer paperwork.

Eventually, after I formally complained and escalated the situation, I finally started getting help with some of these issues. But a customer should not have to send formal complaints, cite their rights, repeatedly follow up, and escalate to supervisors just to get an insurance company to properly manage a claim.

The accident itself was stressful enough. Mercury’s disorganization, lack of communication, and repeated mistakes made the entire experience dramatically worse. I would absolutely not recommend them.

Easy to complete online clear options without difficulty

Quick and easy.

VERY NICE AND HELPFUL