Mutual company (customer-owned) with regional strength in Midwest and Southeast. Known for 'On Your Side' service model. Uses both staff and independent adjusters.
Claims Phone
1-800-421-3535
Avg Claim Days
16 days
File Online
nationwide.com
File via Nationwide app, website, or 1-800-421-3535
On Your Side Review — annual policy review process may identify coverage gaps pre-loss
Independent adjuster in most markets — response times vary
TotalRepair Center program for contractor coordination in eligible markets
Payment within 15 business days of approved estimate in most states
Avoid these pitfalls — they are the most frequent reasons Nationwide denies or reduces water damage claims:
Seepage exclusion applied to long-standing slow leaks
Flood exclusion on storm surface water
Mold exclusion for pre-existing or post-event mold not properly mitigated
Business property exclusion for home office equipment damage
Nationwide's Customer Relations team for escalation, then Appraisal, then state Insurance Commissioner complaint.
Nationwide's independent adjuster usage creates variance. The On Your Side model sounds customer-friendly but adjusters still represent the insurer. Independent review is valuable for claims over $10,000.
A public adjuster typically charges 10–15% of your final settlement — only hire one if the claim is large enough to justify the fee.
OH
Strong Ohio presence — headquartered in Columbus. Ohio claims often handled by staff adjusters.
NC
Active North Carolina market. Familiar with coastal flooding and inland tropical storm damage.
GA
Strong Georgia regional presence. Experience with Atlanta-area urban flooding patterns.
Our IICRC-certified pros know Nationwide's claim documentation requirements. We help your claim go smoothly.
Water damage right now?
Call before mold sets in (24–48 hr window)
Call 24/7Nationwide Claims Line
1-800-421-3535