Property insurance claims

Have a homeowners, condo or renters insurance claim?

File a property claim

Starting a property damage claim

Even if you don’t have all the information you need to file your claim, it’s important to file immediately so we can begin the process. Just be sure to contact us later with any follow-up information.

To start your claim online, please have handy:
  • Your name, address, telephone number and policy number
  • The type of property damage claim (wind, water, fire, theft, etc.)
  • Description of the damage to your home or personal property
You’ll then be assigned a Nationwide claims associate, who will:
  • Gather facts about the damage to your property
  • Explain coverages in your policy and your deductible
  • Help schedule an inspection of the damage, if necessary

Estimating damage and repair

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’re free to find your own contractor or select one from our On Your Side Property Repair Network®.

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.

Protecting your property

Your claims associate may suggest ways to protect your property to prevent further damage and to ensure 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.

Typical property insurance claims

Need to file a business claim?
Visit our business claims center or call us at 1-800-421-3535.

Each claim is handled on the basis of its individual facts and circumstances, in accordance with policy language, including applicable exclusions, conditions and limitations, as well as applicable controlling law.