Mercury Claims Help

Filing a water, fire or mold claim with Mercury?

Mercury is a California based insurer and a common choice for San Fernando Valley and Ventura County homeowners, and water damage is one of the top home claims it handles. iDri helps Mercury policyholders through the claim, documents the full loss to IICRC standards, and bills Mercury directly, working for you. Serving the San Fernando Valley and Ventura County.

Call iDri (818) 564-5615 How to file

We bill Mercury direct·We work for YOU, not Mercury·24/7 response

Quick reference

How to file a Mercury claim.

By phone

Mercury claims line
(800) 503-3724
File a residence claim 24 hours a day, 7 days a week.

Online

File and track your claim at
mercuryinsurance.com/claims

Mobile app

Use Mercury's online claims experience, and the claims app your handler sets up to share live video of the damage.

The process

What to expect after you file.

01
Report the loss
Call Mercury or use the online claims experience as soon as it is safe, and do not dispose of damaged items.
02
A claim handler is assigned
Your handler contacts you for details and walks you through next steps, sometimes using a video app to view the damage.
03
The damage is reviewed
Mercury assesses the damage, often virtually, and applies your policy coverage.
04
Settlement, less your deductible
For covered losses, Mercury arranges payment, less your deductible.

Know your coverage

Understanding your deductible.

Your deductible is set in your own policy, not by the carrier, so there is no single number that applies to everyone. It is the amount you pay before coverage kicks in, and your settlement is paid out less that amount.

A flat deductible is a fixed dollar amount, often somewhere from 1,000 to 2,500 dollars.
A percentage deductible is a percent of your dwelling coverage, common for wind, hail and wildfire.
You will find your exact deductible on the declarations page of your policy.
Water damage usually falls under your standard deductible, while wind or wildfire may carry a separate one.

Your California rights

What California law gives you.

Your insurer must acknowledge your claim within 15 days under California's Fair Claims Settlement Practices Regulations.
They must accept or deny your claim within 40 days of receiving the documentation they need.
You have the right to choose your own restoration contractor. The insurer can recommend one, but the choice is yours.
You can hire your own help, such as a public adjuster, if you and the insurer disagree on the loss.

How we help

How iDri handles your Mercury claim.

First, the part that matters most. We work for you, not Mercury. Our job is to make sure your claim reflects the real damage, not the smallest number that closes the file.

Documented to standard

We document your Mercury loss to the IICRC standard, with moisture readings, photos and a defensible line item scope.

We deal with the adjuster

We communicate with your Mercury claim handler and speak their language, so the process moves and the scope holds.

Billed to Mercury directly

We bill Mercury directly for the covered work, so you are not floating the cost or chasing paperwork.

On your side

We work for you, not Mercury. Our job is to make sure your claim reflects the real damage.

We are a restoration contractor, not a public adjuster or an attorney. We document and bill your claim. For a coverage dispute, those professionals rely on exactly the kind of documentation we provide.

Smooth claim

Tips for a smoother claim.

Photograph and video everything before you clean up or throw anything away.
Do what you reasonably can to stop further damage, which is your duty under the policy, and keep the receipts.
Do not discard damaged materials until they are documented, since they are evidence of the loss.
Write down every call, who you spoke with, and what was said.
Get your own independent documentation of the damage, not only the insurer's.
Call iDri early, so the loss is documented to standard from day one.

Questions

Mercury claims, answered.

What is the Mercury claims phone number?

Mercury's claims hotline is 800-503-3724, available 24 hours a day, seven days a week. You can also file through Mercury's online claims experience.

How do I file a Mercury home claim?

Call the hotline or file online as soon as it is safe. Take a room by room inventory, photograph everything, make temporary repairs to limit further damage, and keep all receipts.

Does Mercury cover water damage?

Sudden and accidental water damage, like a burst pipe, is typically covered. Gradual leaks, seepage and outside flooding usually are not, and flood needs a separate policy. Check your own policy, since coverage varies.

Do I have to use Mercury's preferred contractor?

No. In California you choose your own restoration company. Mercury can recommend a vendor, but the choice is yours, and you can choose iDri.

How long does Mercury have to handle my claim?

Under California's Fair Claims Settlement Practices Regulations, your insurer must acknowledge the claim within 15 days and accept or deny it within 40 days of receiving the documentation it needs.

Have a Mercury claim and damage to handle?

Call iDri. We document the loss, deal with your Mercury adjuster, and bill them directly, across the San Fernando Valley and Ventura County.

Call iDri (818) 564-5615or call our toll-free line 800-806-iDri (4374)

iDri Restoration is an independent restoration contractor and is not affiliated with, endorsed by, or approved by Mercury. Mercury and related marks are the property of Mercury General Corporation. All carrier names and marks are the property of their respective owners. Contact details are provided as a resource and may change, so please verify them with Mercury directly. This page is general information, not legal, financial or coverage advice.