Property insurance claims

1. Connecting with your claims associate


You’ll be assigned a Nationwide® claims associate, who will gather information, explain the coverage in your policy and help schedule a damage inspection, if necessary.


2. Estimating damage and repairs



Some claims may be settled over the phone. Otherwise, a claims associate may inspect your property and estimate the   cost to repair the damage.



For repairs, you may use your own contractor or select one from our On Your Side Property Repair Network®.


3. Settling and closing your claim



Once your damages have been estimated and reviewed with you, we’ll issue payment under the terms of your policy, minus your applicable deductible.

Your claims associate may suggest ways to help protect your property to prevent further damage and to ensure that the claims process and reimbursement for costs goes smoothly. Suggestions may include:


• Making reasonable temporary repairs to avoid further damage
• Taking pictures of the damaged property before it’s repaired or discarded
• Securing windows, doors and roof damage if safe to do so
• Keeping receipts of expenses you incurred as a result of the damage to your property


If the loss causes your home to be unlivable, we may help cover your additional living expenses.

Wind damage

Water damage

Hail damage

Theft damage