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Texas public adjusters · Mercury claims
Mercury denied your Texas home claim or paid less than the repairs cost? We review the decision against the policy you had on the date of loss, inspect the damage and tell you for free whether there is a realistic path to more.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Mercury Insurance Company of Texas (formerly American Mercury Lloyds Insurance Company), a Mercury General company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Mercury’s Texas homeowners policies were written by American Mercury Lloyds Insurance Company, a Mercury General Corporation company. According to Mercury General’s 2025 annual report, American Mercury Lloyds converted from a Lloyd’s plan to a stock company effective August 13, 2025 and changed its name to Mercury Insurance Company of Texas.
On the Texas Department of Insurance’s 2024 company-level homeowners list, American Mercury Lloyd’s Insurance Company is 22nd, with 1.00% of direct written premium.
General reasons Texas homeowners report for denied or short-paid claims, with any carrier (not a description of Mercury’s internal rules):
Dents in metal roofing, gutters or siding are sometimes treated as cosmetic, and some Texas and Colorado policies carry endorsements that limit cosmetic hail damage to certain roof types. Read the endorsement, then document functional damage such as fractured shingle mats, granule loss and cracked tiles.
Many policies use a wind and hail deductible set as a percentage of the dwelling limit. Put every damaged item in the estimate, including fences, gutters, screens and interior water damage, before judging whether the loss clears it.
Freeze claims often turn on whether heat was maintained and where the pipe broke. Keep utility bills, thermostat records and the plumber’s written report on the cause.
Many policies cover sudden water damage but exclude repeated seepage or leakage over time. A plumber’s written report on the cause and timing of a leak can make the difference.
Replacing a few shingles or siding panels that no longer match can leave a visible patchwork. How matching is handled depends on your policy wording, so ask how the insurer applied it.
Write down every call, email and inspection with the date and the person’s name. Texas and Colorado claim deadlines run from notice and from receipt of requested information, so the dates matter.
A Texas insurer must accept or reject a claim in writing within 15 business days after it receives everything it asked for, or within 45 days if it notifies you why it needs more time. A rejection must state the reasons (Tex. Ins. Code § 542.056).
Acknowledgment and information requests within 15 days of notice (§ 542.055); payment within 5 business days after the insurer says it will pay (§ 542.057). After a commissioner-declared weather catastrophe, deadlines get 15 more days (§ 542.059).
Find the exclusion or condition the letter relies on, plus your deductibles (often a percentage for wind and hail) and any cosmetic-damage or roof endorsements.
Appraisal is for disputes about the amount of the loss, not coverage. Each side hires an appraiser, and an umpire decides differences; TDI describes the umpire’s decision as binding.
You can complain to TDI in writing. According to TDI, if the damage was caused by a disaster, you must notify the insurer in writing at least 61 days before suing. Coastal wind claims under TWIA have a 1-year filing deadline.
More on Texas claims: Texas public adjusters
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Real claims our clients authorized us to share, with their exact numbers. Our case records don’t name the insurance company, so these are not presented as Mercury claims.
Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
According to Mercury General’s 2025 annual report, American Mercury Lloyds Insurance Company was converted to a stock company and renamed Mercury Insurance Company of Texas effective August 13, 2025. Check your declarations page for the company that issued your policy.
Ask for the estimate and compare it with the full damage, including interior water damage, fences, gutters and code items. Many Texas policies use a percentage wind and hail deductible, so a complete estimate matters.
Under the Texas Prompt Payment of Claims Act, an insurer generally must acknowledge a claim within 15 days (Tex. Ins. Code § 542.055) and accept or reject it in writing within 15 business days after receiving everything it asked for, or up to 45 days if it tells you why it needs more time (§ 542.056). Once it agrees to pay, payment is due within 5 business days (§ 542.057). After a weather catastrophe declared by the commissioner, these deadlines get 15 more days (§ 542.059).
No. No one can honestly guarantee an outcome. We review the file, tell you what we see, and represent you if it makes sense to work together. Every claim is different, and prior results do not guarantee a similar outcome.
The claim review is free, and asking questions doesn’t hire us. If it makes sense to work together, the fee and services are explained in a written agreement before you sign.
General information, not legal advice. Policies and state laws differ, and laws change.
Sources checked September 27, 2026.
Free review. Phone, Zoom or in person. We’ll tell you honestly what we see.
Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Mercury Insurance Company of Texas (formerly American Mercury Lloyds Insurance Company), a Mercury General company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
American Financial Claims is a licensed public adjusting firm, not a law firm. We do not provide legal advice. Office: Brickell Arch, 1395 Brickell Ave, Suite 800, Miami, FL 33131. Every insurance claim is different, and prior results do not guarantee a similar outcome.
