Quick Story:
John filed a claim with Nationwide Mutual after a storm damaged his roof. The adjuster quickly assessed the damage and offered him $8,000, which seemed fair at first glance. Trusting the insurer, John accepted the payment and hired a contractor, only to discover the true cost of repairs was closer to $15,000.
Was Nationwide Mutual Insurance Company’s Claims Department on His Side?
Unaware he could negotiate or consult a public adjuster, John absorbed the extra cost, assuming the insurer had done its due diligence. What he didn’t know was that insurance companies often rely on their own adjusters, who may undervalue claims to save money. Without professional guidance, John joined the many homeowners unknowingly underpaid for their damages.
Filing a Claim with Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company is known for its comprehensive coverage and customer service, making the claims process straightforward. Whether you’re filing a homeowners, auto, or other insurance claim, Nationwide offers multiple channels to report and manage claims efficiently. Here’s an overview of the process and steps involved:
Step 1: Assess the Damage – Is It Worth Filing a Claim?
Before filing a claim, inspect the damage to your property and document everything thoroughly. Take clear photos or videos and gather receipts or proof of ownership for damaged items. This documentation will serve as evidence when you submit your claim.
Expert Tip: Prevent Underpaid Claims
To avoid being underpaid:
- Hire a Public Adjuster: They independently assess the damage and advocate on your behalf. A public adjuster works for the homeowner, not the insurance company, ensuring the claim reflects the true repair costs.
- Thorough Documentation: Capture detailed photos of the damage.
- Multiple Estimates: Obtain quotes from several contractors.
- Policy Review: Understand your coverage to ensure you know what’s included.
Step 2: Report the Claim
You can file a claim with Nationwide in three ways:
- Online: Log in to nationwide.com to file a claim and upload documentation.
- Mobile App: Use the Nationwide mobile app to report claims and track progress from your smartphone.
- Phone: Call 1-800-421-3535, available 24/7, to speak with a claims representative.
Provide details about the incident, such as the date, cause, and extent of the damage. Accurate and complete information ensures a smoother process.
Step 3: Meet with an Adjuster
Nationwide may assign an adjuster to evaluate the damage in person or virtually. The adjuster will inspect the property, review your documentation, and determine the estimated repair or replacement cost. Be available during this visit to answer questions and provide additional information if needed.
Step 4: Review the Settlement Offer
Once the claim is processed, Nationwide will present a settlement offer based on your policy coverage. Carefully review the offer to ensure it reflects the damage and aligns with your policy terms. If the settlement seems insufficient, you can negotiate or request clarification.
Step 5: Receive Payment and Begin Repairs
After accepting the settlement, Nationwide will issue payment. Depending on your policy and the type of claim, the payment may go directly to you or the contractor handling repairs. Save all receipts and invoices for any repair work in case they are needed for final documentation.
Step 6: Follow Up if Necessary
If there are delays or concerns, contact Nationwide’s claims department or your local agent for updates. In case of disputes, consider consulting a public adjuster for additional support.
Navigating the Claims Process with Confidence
By following these steps, policyholders can navigate the claims process with confidence. Nationwide’s accessible tools, including online filing and a user-friendly app, help ensure claims are handled quickly and efficiently. With proper documentation and communication, resolving a claim through Nationwide can be a stress-free experience.