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Texas Carrier Complaint Index/American Mercury Lloyd's Insurance Company

Texas Department of Insurance record

American Mercury Lloyd's Insurance Company

Texans filed 262 homeowner complaints against American Mercury Lloyd's Insurance Company between January 1, 2023 and July 15, 2026. The state reviewed them and agreed with the homeowner 34 times. Across all 262, 40 ended with the carrier paying the homeowner more money — 12 of them complaints the state had confirmed.

34
complaints confirmed by TDI
13.0%
of complaints confirmed · 9 points below the statewide average.
1.14×
complaints per policy vs. average (2025)
40
of all 262 complaints ended with additional money paid

TDI weighs complaints against business written: 82,780 homeowners policies in force in 2025. Complaint volume is about what its size predicts. The index covers that year alone; the complaint counts on this page cover the whole window since 2023.

What these complaints were about

TDI issue tags and confirmed reasons
Issue tags across all 262 complaints
Adjuster's handling147 · 24 confirmed
Roof146 · 17 confirmed
Hail115 · 9 confirmed
Water damage75 · 13 confirmed
Appraisal38 · 5 confirmed
Plumbing37 · 8 confirmed
Damage dispute36 · 5 confirmed
Wind29 · 4 confirmed
Tags overlap and TDI records them on about 78% of complaints, so these are floors.
How the 34 confirmed complaints closed
Corrective action taken29 · 85%
Information furnished13 · 38%
Additional monies received12 · 35%
Contract language / legal issue10 · 29%
Claim settled9 · 26%
Question of fact8 · 24%
Company position upheld4 · 12%
Additional Payment Expected3 · 9%
One complaint can close with several dispositions, so shares overlap. Median time from filing to close: 71 days, against 71 statewide.

By year

Complaints received · 2026 is partial
2023107 filed · 11 confirmed
202485 filed · 13 confirmed
202550 filed · 7 confirmed
202620 filed · 3 confirmed

The records

120 most recent of 262 · confirmed rows shaded
ReceivedClosedTDI verdictWhat the complaint was aboutHow it closed
Jun 3, 2026Jul 16, 2026
43 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWater damageWindDamage disputeAdjuster's handling
Additional Payment ExpectedContract language / legal issueCompany position upheld
Jun 2, 2026Jul 10, 2026
38 days		Confirmed
Claim service & handlingClaim denialPlumbingAppraisal
Appraisal Process InvokedCorrective action taken
May 14, 2026Jun 10, 2026
27 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damageAdjuster's handling
Information furnishedQuestion of factContract language / legal issue
May 5, 2026May 29, 2026
24 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialRoofHailDamage disputeDepreciationAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Apr 28, 2026May 21, 2026
23 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Contract language / legal issueQuestion of factAdditional monies received
Apr 17, 2026May 13, 2026
26 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useAdjuster's handling
Company position upheldAdditional Payment ExpectedContract language / legal issue
Apr 17, 2026May 6, 2026
19 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damagePlumbingFoundation
Additional monies receivedInformation furnished
Apr 16, 2026May 5, 2026
19 days		Not confirmed
CancellationPolicyholder serviceUse Of Clue Reports
Company position upheldInformation furnishedContract language / legal issue
Apr 14, 2026Apr 28, 2026
14 days		Not confirmed
Claim service & handlingClaim denialRoofHailWindAdjuster's handling
Contract language / legal issueQuestion of factInformation furnished
Apr 3, 2026Apr 16, 2026
13 days		Not confirmed
Cancellation
Corrective action takenPolicy Issued/RestoredCompany position upheld
Mar 25, 2026May 1, 2026
37 days		Not confirmed
CancellationPremium & rating
Information furnishedQuestion of fact
Mar 17, 2026Apr 16, 2026
30 days		Not confirmed
Premium & ratingRoof
Company position upheldContract language / legal issueInformation furnished
Mar 4, 2026Apr 8, 2026
35 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialRoofHailWindAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Feb 18, 2026Mar 31, 2026
41 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofDepreciation
Company position upheldInformation furnished
Feb 18, 2026Mar 9, 2026
19 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Jan 20, 2026Mar 18, 2026
57 days		Not confirmed
Unsatisfactory settlement or offerRoofHailAppraisalAdjuster's handling
Company position upheldContract language / legal issue
Jan 16, 2026Mar 16, 2026
59 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofDepreciationAdjuster's handling
Contract language / legal issueInformation furnishedClaim settled
Jan 15, 2026Mar 10, 2026
54 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailDeductibleAppraisal
Company position upheldContract language / legal issueQuestion of fact
Jan 9, 2026Feb 24, 2026
46 days		Confirmed
Claim service & handlingDelay — claims handlingWater damageWindDamage disputeAdjuster's handling
Contract language / legal issueAdditional monies receivedQuestion of fact
Jan 6, 2026Jan 29, 2026
23 days		Confirmed
Non-RenewalRoof
Information furnishedCorrective action takenQuestion of fact
Dec 9, 2025Feb 24, 2026
77 days		Not confirmed
Premium & rating
Information furnished
Dec 4, 2025Dec 17, 2025
13 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWater damageWind
Company position upheldQuestion of factContract language / legal issue
Nov 20, 2025Feb 11, 2026
83 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damagePlumbingAdjuster's handling
Company position upheldQuestion of fact
Nov 10, 2025Jan 21, 2026
72 days		Not confirmed
Claim service & handlingEndorsement / RiderUnsatisfactory settlement or offerWater damagePlumbingMold
Information furnishedContract language / legal issueCompany position upheld
Nov 6, 2025Dec 22, 2025
46 days		Not confirmed
Claim service & handlingClaim denialRoofHailDamage dispute
Contract language / legal issueQuestion of fact
Nov 4, 2025Jan 23, 2026
80 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerAppraisalAdjuster's handling
Information furnishedContract language / legal issue
Nov 4, 2025Feb 25, 2026
113 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageDamage dispute
Contract language / legal issueCompany position upheldQuestion of fact
Oct 30, 2025Jan 14, 2026
76 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofDamage disputeAppraisalAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Oct 29, 2025Dec 1, 2025
33 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailAppraisalAdjuster's handling
Information furnishedQuestion of factContract language / legal issue
Oct 8, 2025Dec 26, 2025
79 days		Not confirmed
CancellationPolicyholder service
Contract language / legal issueQuestion of factCompany position upheld
Oct 3, 2025Dec 11, 2025
69 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerAdjuster's handling
Information furnishedClaim settled
Oct 1, 2025Dec 19, 2025
79 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingDeductibleDepreciationMoldAdjuster's handling
Contract language / legal issueCompany position upheldQuestion of fact
Sep 18, 2025Jan 15, 2026
119 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindDeductibleAppraisal
Contract language / legal issueQuestion of factCompany position upheld
Sep 15, 2025Dec 23, 2025
99 days		Not confirmed
Policyholder serviceDelay — policyholder servicePremium & ratingRefund of premium
Information furnishedPremium RefundedQuestion of fact
Sep 8, 2025Oct 7, 2025
29 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Contract language / legal issueClaim settledInformation furnished
Aug 25, 2025Dec 30, 2025
127 days		Not confirmed
Policyholder servicePremium & rating
Company position upheldContract language / legal issueInformation furnished
Aug 14, 2025Dec 22, 2025
130 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindAppraisal
Contract language / legal issueAdditional Payment ExpectedQuestion of fact
Jul 8, 2025Nov 4, 2025
119 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofAppraisalAdjuster's handling
Information furnishedAdditional monies receivedQuestion of fact
Jul 7, 2025Oct 29, 2025
114 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Additional Payment ExpectedContract language / legal issueClaim settled
Jul 2, 2025Jul 25, 2025
23 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerAppraisalAdjuster's handling
Contract language / legal issueInformation furnishedQuestion of fact
Jun 26, 2025Oct 27, 2025
123 days		Not confirmed
Claim service & handlingDelay — claims handlingWindDamage disputeAdjuster's handling
Question of factContract language / legal issueInformation furnished
Jun 13, 2025Sep 4, 2025
83 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofDamage disputeAppraisalAdjuster's handling
Contract language / legal issueCorrective action taken
Jun 5, 2025Oct 13, 2025
130 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useAdjuster's handling
Question of factAdditional monies receivedCompany position upheld
May 27, 2025Sep 4, 2025
100 days		Not confirmed
Claim denialUnsatisfactory settlement or offerRoofHailDamage disputeAppraisal
Company position upheldInformation furnishedContract language / legal issue
May 27, 2025Oct 1, 2025
127 days		Not confirmed
Premium & rating
Information furnished
May 22, 2025Jul 31, 2025
70 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerAppraisalAdjuster's handling
Contract language / legal issueQuestion of factClaim settled
May 15, 2025Jun 30, 2025
46 days		Not confirmed
Claim service & handlingClaim denialRoofHailDamage disputeAppraisal
Company position upheldInformation furnishedContract language / legal issue
Apr 23, 2025Aug 8, 2025
107 days		Not confirmed
Delay — claims handlingDepreciation
Contract language / legal issueQuestion of fact
Apr 15, 2025Aug 20, 2025
127 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingLoss of useFoundationAdjuster's handling
Contract language / legal issueAdditional Payment ExpectedAdditional monies received
Apr 8, 2025Jul 27, 2025
110 days		Not confirmed
Claim service & handlingRoofWindDeductible
Claim settledInformation furnished
Apr 3, 2025May 20, 2025
47 days		Not confirmed
Claim service & handlingClaim denialRoofHailAdjuster's handling
Information furnishedContract language / legal issue
Mar 28, 2025Jul 23, 2025
117 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindDeductible
Company position upheldContract language / legal issueQuestion of fact
Mar 20, 2025Jul 2, 2025
104 days		Not confirmed
Refund of premium
Premium RefundedInformation furnishedQuestion of fact
Mar 19, 2025Jul 18, 2025
121 days		Not confirmed
Policyholder serviceDelay — policyholder serviceNon-RenewalNotice Requirements
Company position upheldQuestion of factContract language / legal issue
Mar 11, 2025Apr 11, 2025
31 days		Not confirmed
Policyholder serviceNon-RenewalUnsatisfactory settlement or offerRoofDamage disputeAdjuster's handling
Contract language / legal issueCompany position upheldInformation furnished
Mar 3, 2025Mar 31, 2025
28 days		Confirmed
Claim service & handlingDelay — claims handlingRoofHailDepreciationAdjuster's handling
Claim settledInformation furnished
Mar 3, 2025May 28, 2025
86 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerDamage disputeAdjuster's handling
Claim settledCorrective action taken
Feb 21, 2025Apr 15, 2025
53 days		Not confirmed
Delay — claims handlingClaim denialRoofHailAppraisal
Appraisal Process InvokedCompany position upheldContract language / legal issue
Feb 20, 2025Mar 11, 2025
19 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailAppraisal
Information furnishedCompany position upheldContract language / legal issue
Feb 18, 2025Jun 27, 2025
129 days		Not confirmed
Premium & ratingDeductible
Contract language / legal issueCompany position upheldInformation furnished
Feb 18, 2025Jun 2, 2025
104 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damagePlumbingMoldAdjuster's handling
Company position upheldInformation furnishedContract language / legal issue
Feb 18, 2025Jul 7, 2025
139 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeDeductibleAppraisal
Question of factContract language / legal issueCompany position upheld
Feb 14, 2025Apr 30, 2025
75 days		Not confirmed
Premium & ratingDeductible
Company position upheldInformation furnished
Feb 11, 2025Jun 4, 2025
113 days		Not confirmed
Claim denialRoofHailWater damageDamage dispute
Company position upheldInformation furnishedContract language / legal issue
Feb 6, 2025Jun 4, 2025
118 days		Confirmed
Delay — claims handlingUnsatisfactory settlement or offerWater damagePlumbingAdjuster's handling
Additional monies receivedClaim settledCorrective action taken
Jan 31, 2025Feb 12, 2025
12 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailWind
Information furnishedQuestion of factCompany position upheld
Jan 29, 2025May 7, 2025
98 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWindDamage disputeAdjuster's handling
Question of factContract language / legal issue
Jan 15, 2025Apr 25, 2025
100 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindAppraisalAdjuster's handling
Contract language / legal issueQuestion of factCompany position upheld
Jan 2, 2025Jun 4, 2025
153 days		Confirmed
Non-RenewalRoof
Non-renewal rescindedInformation furnishedCorrective action taken
Jan 2, 2025Apr 22, 2025
110 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialUnsatisfactory settlement or offerWater damageDamage disputePlumbingAdjuster's handling
Question of factContract language / legal issue
Dec 31, 2024Apr 22, 2025
112 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Question of factAdditional Payment ExpectedContract language / legal issue
Dec 27, 2024Feb 25, 2025
60 days		Confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Corrective action takenInformation furnishedAdditional monies received
Dec 9, 2024May 13, 2025
155 days		Not confirmed
Endorsement / Rider
Information furnishedContract language / legal issueCompany position upheld
Dec 4, 2024Jan 6, 2025
33 days		Not confirmed
Premium & ratingUse Of Clue Reports
Contract language / legal issueCompany position upheld
Dec 4, 2024May 21, 2025
168 days		Not confirmed
Premium & ratingUse Of Clue Reports
Information furnishedContract language / legal issueCompany position upheld
Nov 25, 2024Apr 29, 2025
155 days		Not confirmed
Unsatisfactory settlement or offerRoofHailDamage disputeAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
Nov 18, 2024Mar 20, 2025
122 days		Confirmed
Claim service & handlingDelay — claims handlingWater damageAdjuster's handling
Additional monies receivedCorrective action takenInformation furnished
Nov 4, 2024Feb 24, 2025
112 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialWater damagePlumbingAdjuster's handling
Company position upheldContract language / legal issueInformation furnished
Oct 25, 2024Mar 25, 2025
151 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialRoofHailWindDamage disputeAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
Oct 21, 2024Apr 8, 2025
169 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailWindDeductibleDepreciationAdjuster's handling
Information furnishedContract language / legal issue
Oct 18, 2024Feb 6, 2025
111 days		Not confirmed
CancellationPolicyholder service
Contract language / legal issueInformation furnished
Oct 16, 2024May 1, 2025
197 days		Confirmed
Claim service & handlingNon-RenewalUnsatisfactory settlement or offerRoofHailWater damageWindDamage disputeDeductibleAppraisalDepreciationAdjuster's handling
Information furnishedClaim settledCorrective action taken
Oct 15, 2024Dec 13, 2024
59 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Contract language / legal issueCompany position upheld
Oct 14, 2024Mar 24, 2025
161 days		Not confirmed
Policyholder serviceDelay — policyholder service
Contract language / legal issueQuestion of factInformation furnished
Oct 10, 2024Mar 4, 2025
145 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageDepreciationAdjuster's handling
Additional monies receivedContract language / legal issueInformation furnished
Oct 8, 2024Feb 13, 2025
128 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHail
Claim settledInformation furnished
Oct 8, 2024Feb 18, 2025
133 days		Not confirmed
Refund of premium
Information furnished
Oct 7, 2024Mar 17, 2025
161 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWindAdjuster's handling
Information furnishedCorrective action taken
Sep 25, 2024Apr 25, 2025
212 days		Not confirmed
Claim service & handlingClaim denialWater damagePlumbingAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
Sep 23, 2024Feb 26, 2025
156 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofDeductibleDepreciationAdjuster's handling
Additional monies receivedInformation furnishedCorrective action taken
Sep 18, 2024Oct 2, 2024
14 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWindAdjuster's handling
Contract language / legal issueInformation furnishedQuestion of fact
Sep 18, 2024Mar 17, 2025
180 days		Not confirmed
Other
Information furnished
Sep 16, 2024Jan 7, 2025
113 days		Not confirmed
Unsatisfactory settlement or offerRoofHailWindDeductible
Question of factContract language / legal issueInformation furnished
Sep 13, 2024Jan 7, 2025
116 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingLoss of useAdjuster's handling
Question of factAdditional monies receivedInformation furnished
Sep 13, 2024Feb 4, 2025
144 days		Not confirmed
Claim denialRoofHailWindAdjuster's handling
Information furnishedContract language / legal issueCompany position upheld
Sep 11, 2024Feb 28, 2025
170 days		Not confirmed
Claim service & handlingDelay — claims handlingWater damagePlumbingAdjuster's handling
Information furnishedAdditional monies receivedQuestion of fact
Sep 10, 2024Nov 7, 2024
58 days		Not confirmed
Claim denialRoofHailAppraisal
Contract language / legal issueQuestion of factCompany position upheld
Aug 27, 2024Dec 3, 2024
98 days		Confirmed
Unsatisfactory settlement or offerRoofWater damagePlumbingDeductible
Corrective action takenQuestion of factContract language / legal issue
Aug 21, 2024Jan 28, 2025
160 days		Not confirmed
Claim service & handlingClaim denialRoofHailWater damageMold
Additional monies receivedContract language / legal issueQuestion of fact
Aug 12, 2024Dec 13, 2024
123 days		Not confirmed
Refund of premium
Company position upheldInformation furnished
Aug 7, 2024Dec 13, 2024
128 days		Not confirmed
Claim denialNon-RenewalRoofHailWindDamage disputeAdjuster's handling
Contract language / legal issueQuestion of fact
Jul 31, 2024Oct 14, 2024
75 days		Not confirmed
Claim service & handlingDelay — claims handlingUnfair Discrim-Clms HandlingUnsatisfactory settlement or offerRoofHailWindDeductibleAdjuster's handling
Question of factContract language / legal issueCompany position upheld
Jul 29, 2024Sep 30, 2024
63 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofHailWater damageWindAppraisalAdjuster's handling
Claim settledCorrective action takenContract language / legal issue
Jul 25, 2024Aug 19, 2024
25 days		Confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofAdjuster's handling
Information furnishedAdditional monies receivedCorrective action taken
Jul 8, 2024Oct 3, 2024
87 days		Not confirmed
Claim service & handlingDelay — claims handlingRoofHailWater damageWindAdjuster's handling
Information furnishedCompany position upheldClaim settled
Jun 25, 2024Jul 22, 2024
27 days		Not confirmed
Claim service & handlingClaim denialRoofHailWater damageWindAdjuster's handling
Information furnishedAdditional monies receivedQuestion of fact
Jun 24, 2024Aug 5, 2024
42 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailAdjuster's handling
Company position upheldContract language / legal issue
Jun 12, 2024Sep 30, 2024
110 days		Confirmed
Claim service & handlingDelay — claims handlingDepreciationAdjuster's handling
Additional monies receivedAdditional Payment ExpectedCorrective action taken
May 29, 2024Aug 7, 2024
70 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerWater damageDamage disputePlumbingAdjuster's handling
Additional monies receivedContract language / legal issueQuestion of fact
May 28, 2024Jul 29, 2024
62 days		Not confirmed
Claim service & handlingDelay — claims handlingAdjuster's handling
Information furnishedQuestion of factAdditional monies received
May 28, 2024Aug 9, 2024
73 days		Not confirmed
Claim service & handlingDelay — claims handlingPlumbingDepreciationFoundationAdjuster's handling
Contract language / legal issueClaim settledInformation furnished
May 28, 2024Sep 9, 2024
104 days		Not confirmed
Claim denialNon-RenewalAdjuster's handling
Question of factContract language / legal issueCompany position upheld
May 21, 2024Aug 2, 2024
73 days		Not confirmed
Claim service & handlingDelay — claims handlingUnsatisfactory settlement or offerRoofWindAppraisalAdjuster's handling
Claim settledInformation furnishedAdditional monies received
May 20, 2024Aug 23, 2024
95 days		Not confirmed
Delay — claims handlingUnsatisfactory settlement or offerRoofHailDamage disputeAppraisalAdjuster's handling
Question of factContract language / legal issue
May 16, 2024Aug 30, 2024
106 days		Not confirmed
Claim service & handlingDelay — claims handlingClaim denialUnsatisfactory settlement or offerHailWater damageWindDeductibleAdjuster's handling
Company position upheldContract language / legal issuePolicy Not In Force
May 13, 2024Aug 6, 2024
85 days		Not confirmed
Claim service & handlingUnsatisfactory settlement or offerRoofHailWater damageWindAdjuster's handling
Contract language / legal issueQuestion of fact
May 10, 2024Jul 25, 2024
76 days		Not confirmed
Delay — claims handlingRoofHailAdjuster's handling
Information furnishedQuestion of factClaim settled
May 9, 2024Aug 6, 2024
89 days		Not confirmed
Refund of premium
Information furnishedPremium Refunded
May 1, 2024Jul 30, 2024
90 days		Not confirmed
Non-RenewalUnsatisfactory settlement or offer
Question of factContract language / legal issue
May 1, 2024Aug 9, 2024
100 days		Confirmed
CancellationPolicyholder serviceDelay — policyholder servicePremium NoticePremium & rating
Policy Issued/RestoredCorrective action takenInformation furnished

These are the rows TDI publishes, unedited. Complaint records are already de-identified at source — no complainant name, address, or dollar figure is published, and none is shown here. This table shows the 120 most recent of 262 records; the counts everywhere else on this page cover all 262. The full set is downloadable from the Texas Open Data Portal.

Compare

Carriers with a similar volume of Texas homeowner complaints
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43 confirmed of 272
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48 confirmed of 268
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73 confirmed of 262
USAA Casualty Insurance Company
73 confirmed of 250
USAA General Indemnity Company
72 confirmed of 250
Mid-Century Insurance Company of Texas
56 confirmed of 241

See all 92 respondents →

About this record

Source: Texas Department of Insurance, “Insurance complaints: All data”, homeowners coverage, complaints received on or after January 1, 2023 where American Mercury Lloyd's Insurance Company is named as an organizational respondent. Snapshot pulled July 28, 2026.

A confirmed complaint is one TDI reviewed and found had merit. It is not a finding of bad faith, a court judgment, or a regulatory sanction. Complaint volume tracks how much business a carrier writes, which is why the complaints-per-policy index above matters more than the raw count. Legally distinct affiliates file separately and are not combined here. Full method on the index methodology.

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Data: Texas Department of Insurance open data portal · Analysis: claimOS · This page reports public regulatory records and draws no legal conclusions about American Mercury Lloyd's Insurance Company.