Restore your Los Angeles home with Mercury homeowners insurance.
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Mercury is one of the leading insurance companies in California, providing a wide array of products including comprehensive homeowners insurance. If you’re a Mercury policyholder, you may be covered for professional restoration services such as those offered by Onsite Pro Restoration.
This remediation coverage extends to damage from fire, smoke, water, and mold within your home. Understanding Mercury Insurance’s coverage information can ease the burden of restoring your home after a disaster.
Does Mercury Homeowners Insurance Cover Fire Damage?
Yes, Mercury fire insurance will cover the costs of restoration after a fire and other related hazards.
In the event of fire damage to your home, Mercury will typically cover:
- Repairs to the structure
- Replacement of personal belongings damaged by fire or smoke
- Temporary housing and living expenses if you have to live elsewhere during the restoration
- Medical payments to you and your guests, regardless of fault
Since Mercury’s standard policies include extra dwelling coverage, you may have additional protection if rebuilding costs exceed initial estimates.
If your home has suffered fire damage, Onsite Pro Restoration can step in right away to begin cleanup and restoration. Reach out to us for help with your Mercury fire insurance claim.
Does Mercury Homeowners Insurance Cover Water Damage?
Water damage is a complex issue, so like most homeowner policies, Mercury’s coverage depends on the source of the issue.
Standard policies cover sudden and accidental water damage, such as:
- Burst pipes or plumbing leaks
- Water damage from firefighting efforts
- Storm-related damage like roof leaks (excluding floodwater)
However, they do not cover flood damage. Additionally, you may need additional coverage for sewer or drain backups.
Review your Mercury fire, water, and mold insurance with us.
Does Mercury Homeowners Insurance Cover Mold?
Mercury Insurance coverage information states that mold removal may be covered if the mold results from a covered peril, such as a burst pipe or storm damage.
However, you will not be covered if the mold growth is due to long-term moisture buildup or neglect.
Our specialists can assess the extent of mold damage and help you determine whether your insurance will cover the cost of professional remediation.
How to File a Claim with Mercury Insurance
Taking quick action after property damage speeds up your claims process for Mercury’s fire, water, or mold damage insurance.
Here’s what to do:
- Take photos and videos of all affected areas to provide clear evidence for your claim.
- Contact Onsite Pro Restoration. We’ll assess the damage and provide a detailed report to support your claim.
- File your claim with Mercury Insurance. You can do this online or by calling their 24/7 claims hotline at 800-503-3724. You can also check its status through your online account.
- Meet with the adjuster at your home for inspection. A representative from Onsite Pro Restoration should be present during the inspection to advocate for a fair assessment.
- Once your claim is approved, we begin the restoration process right away to get your home back to its pre-loss condition.
Get Expert Help
Navigating Mercury’s fire and other home damage insurance claims can be complicated, but you don’t have to do it alone. Onsite Pro Restoration has years of experience working with insurance companies like Mercury to help homeowners receive the coverage they need.
Let’s review your policy together. Contact us today for a free consultation and get started on restoring your home.
Mercury may cover mold if it develops as a result of a covered peril, such as a sudden pipe break. However, many policies have strict limits or exclusions unless you’ve added a special endorsement.
Yes. Fire and smoke are usually considered covered perils, so Mercury policies typically help pay for repairing the home and replacing damaged belongings.
Mercury generally covers water damage when it’s sudden and accidental, like an appliance leak or pipe burst. Long-term seepage, maintenance issues, or flooding from outside sources are usually not included.