Business ProfileforMercury Insurance Group

Insurance agent suggested Mercury insurance to save us money. However it essentially set to be a legal scam. They take that initial higher payment and then promise lower payments after. Yet what they did was, waited until just before the deadline to deny coverage (90 days). Then sent me a letter in the mail stating that they were going to drop coverage on the 90th day because... well for me it was stating that in the photos I sent to them of my houses siding on the addition it "looked indicative of asbestos siding". They will not cover asbestos. Which would be understandable except the siding for the addition was done in the 90's with Cement Fiber shingles, which look identical to the asbestos cement shingles. I asked what they would accept as evidence of them being asbestos free and would they still cover me. They said yes if I could prove it with a certified test. So I sent in a certified sample, and they said no it had to be a certified inspector stating it was not asbestos. Well just so happens when I purchased the home I had a certified inspector checking my home for lead, asbestos and mold. For my FHA and for my own peace of mind sense I had a new born. He listed the siding in question as Cement Fiber no asbestos found. They said they would have to review the inspection. I sent it to them. They asked for a week, I never heard back so I contacted them again and they said they wouldn't accept that inspection, I'd need a new one solely focused on something the old one had covered. They were just running the clock out, they also will not contact you in a timely matter. I've heard multiple stories now of the same 90 day drop after promising lower payments. Its a legal scam and they should be sued. Obviously anyone shopping that cheap cant afford a lawyer so they win. Don't do it.