Nationwide - Homeowners

We have been with this company for over 10 years. We recently went with another and it is a living nightmare trying to cancel with them. I did so nearly a month ago, and it has taken several phone calls and emails to both the local agent as well as the corporate customer service to cancel and we have yet to receive our refund. I was initially told 7-10 days. Since they have yet to send our check, I have told them they should expedite payment. They will not do that. They keep telling me it is processing. I can only imagine how long the turnaround time would be if we kept them and filed a claim. If anyone asked me if I would recommend them based on our experience, I would definitely say no.

Hurricane last fall, structural damage caused by flood water coming in fast and sitting under my house for a day and flowing out so fast that it undermined my mud silts. Now, my house is having major structural issues. Many people in town are having similar problem, but their insurance has taken care of them. I pay a large insurance fee of $1,900 a year for flood and it covers nothing.

In 2005, I canceled Nationwide. I found much better price. I gave them notice. The next thing I know, Nationwide reported to DMV that my insurance lapsed and my license was suspended. It put me through hell to straighten the mess Nationwide caused. Then due to my stupidity, I went with Nationwide again in 2010. I found insurance for half this time. Nationwide reported to credit bureau that I was delinquent when I was not. What a rotten company using strong arm tactics. Stay away from them at all costs.

After close to 40 years of insuring a home, 12 years of which was with 2 homes (and 2 cars) with Nationwide, I unfortunately had to file a claim for a break-in and theft early last year. After the period, my new rate was increased 30%. I was approached by a local Nationwide agent Linda **, who told me that Nationwide hit me too hard, especially considering I hold 4 accounts and had never filed a theft claim. She assured me that if I allowed her to assume my account from corporate, who now manages my account, she would speak with the underwriters and resolve this for me. Well, the company made me sign a whole new application, cancelled my existing policies and wrote new ones. The results: Nothing was changed and there was no follow-up or concern after all the paperwork to get her the account happen.

With a second home, they listed and charged me inflated rates as they had erroneously had my home listed in the most expensive county, had the size and details on my other home wrong etc. Each time I talked with them, the stories changed as did my rates. My premium was reaching expiration on the house in question and I was told not to pay until this was resolved and I would receive a new bill. After a month of this and no word, I followed up with the agent who sounded like I was bothering her and she again told me not to worry and to be patient. I contacted Nationwide's home office directly and after some confusion, I got a revised quote at a higher deductible and paid it by credit card, in full, for the year. The next week, I received a letter saying that my policy had expired due to nonpayment and if I wanted to continue coverage, I would have to pay a late fee plus installment charge, plus a portion of the premium.

I called and was told it was cancelled because I didn't pay my bill. This took 3 more people to get this resolved. I then requested my account returned back to the home office as working with a local agent just caused more aggravation. They wanted to cancel my policies and write them again, of course, at a higher rate. The value of my structure was raised considerably and as it happens, all the other coverages were tied to this plus the size of my structure which they reported to be significantly above where it is. I finally called a competitor and he offered me lower rates and less **. Because I have already paid for the year, I will let it ride, but if any more stunt is pulled, I will drop them like a rock. They are certainly not on your side.

There was a claim filed by us (the homeowners) that were taken care of quickly. There was a guy that showed up with the claims adjuster that specialized in roofing. He gave the estimate to the claims agent and he based the claim on this estimate that this provided. I called the man right back (within 10-15 minutes) to let him know that he has the job. He told me that he would be back to start the job in 30-60 days when the weather improves.

Well, that was in February 2011. The date is Sept-Oct of 2011 and still no show. We called 3 other roofing companies to give us a quote similar to the 1st quote that was given. The best quote was $300.00 more than the original quote. I misunderstood (what he said anyway) when he told me to fax or give him the invoice and he would take of it since it was so small of an increase. Well, I did just that. He said I had to have it approved before any work was done.

My contention is that the first guy that laid down the estimate had an impact on the claims agent's finale settlement. He didn't even show up to do the work that he quoted. It seems to me that he knew that he misquoted it. Now I am out of $300.00. Wow! Now that seems fair! I wonder what the Department of Insurance will say when I tell them this story?

Our home in Suffern, NY was flooded during Hurricane Irene. My father has had Nationwide insurance with the same agency for 45 years. Nationwide sent an adjustor out to look at the damage and our agent came along. Both were sure we would get the maximum coverage for the damage and loss of personal goods. Nationwide HQ sent a letter indicating they refused to pay for water backup damage (we have water backup coverage) because it was a flood. I know other insurance agencies indeed paid for water backup damage, Allstate was one. The whole flooding vs. water backup debate is kind of iffy. We got 7 feet of water in the basement. During this kind of flood, the town shuts off gas and electric to our area. There is no way to prevent our sump pump from failing even it was on a gas generator.

Furthermore, I contacted customer relations and received a call from an agent in Farmingdale, NY--not even close to my town--who was to be blunt and a jerk. He arrogantly stated that Nationwide would not reward our claim because they would have to do the same for everyone, that Nationwide did not care if other insurers paid for water backup and that it might be in my best interest as I indicated in my complaint to go to another insurer. I told him that was cold and that Nationwide is not interested in helping its clients, but just wants to collect their money. Nationwide is not on its customers side, folks.

I recently lost my wedding rings. After accepting this fact, I reported it to NW. We had a homeowner policy for over 20 years now. When my husband gave me my rings we added them on the policy, a separate clause. They were insured for $3500.00. We paid premiums for $3500.00 worth of jewelry, for 19 years. We showed the appraisal paperwork at the time insurance was issued. Now I'm being told by NW that 1) the appraisal was 'woefully inadequate' and 2) that they (NW) would only pay replacement amount, not face value of what was insured. NW was to contact a "Jeweler" to figure out what it would take to replace my rings. The next person to call me was a person from a "replacement service".

She explained her job was to evaluate my lost jewelry, but she could also help me with a replacement of it. I guess I left really confused. Why, for nearly 20 years, would I be paying insurance to cover the value of $3500.00 rings (based on the appraisal) if the insurance co. could turn things around and say it was valued at less than that? I used that same appraisal to obtain the insurance in 1993. I'm also confused about this replacement services. How can the person who is determining the value of my lost property, be the same person trying to sell me new property of the same value? Whose best interest does she have? Does she work for me, or NW or herself? I'm in need of answers I can trust. Are there any answers out there? Please help!

On Thursday, January 12, 2012, I returned home from work, to find that our home had been broken into. I immediately called 911. This was about 4 PM EST. After filing all the necessary papers with detective from our county, it was after 6PM, so as soon as my Nationwide agents office opened the following morning (Friday the 13th), I called to report the theft. My agents where not in, but I spoke with a secretary who took the necessary information, and told me we would be contacted by an adjuster within 24 hours.

After waiting all weekend, without any word, I called our agent back on Monday, January 16th, around 2 in the afternoon. I asked to speak to my agent, and once again, he was out, so I expressed my disappointment with the fact no one had contacted me, and that as a result of the break-in, our front door had been busted down. We were able to piece the door back together, so we could feel halfway safe, but I asked the secretary what would we have done if we had not been able to afford the repairs, and the adjuster never contacted us. I was told that she forgot to tell me it was 24 business hours, and that because of the MLK Jr. Holiday, that the adjusters offices were closed.

On Tuesday, January 17, at approx. 5:15 PM, we were finally contacted by an adjuster. I went through all the proper steps, answered all the questions, explained what happened, and reported the items that had been stolen. My solid oak jewelry armoir had been taken, and all the contents that were in it. My husband and I had thousands of dollars worth of gold, diamond, ruby, sapphire, peridot, and amethyst rings, slides, bracelets, earrings and necklaces. I was very angry, and disappointed in my agent, and dissatisfied when I found out that the jewelry was basically a loss, because we where never told we had to add it to the policy. I thought my agent would have looked after me better than that. I did have a section added 18 years ago, to cover my diamond engagement ring, but it was never mentioned that I might want to add my other jewelry items.

I am not only upset with my agent, but with the Nationwide Company itself. After being told, I will basically only receive about $2,000 total for the whole claim. I am heartbroken. While I know that my items stolen can never be replaced, it would make it a little easier, knowing that someone cared enough to help me with things and that my insurance company and agent went above and beyond what was necessary to put my mind at ease. Are all insurance companies like this? Do other agents tell their customers what is best, or just let them find out after its too late. Any advice you can offer will be greatly appreciated. I will be changing insurance companies after the claim is complete. We have been with Nationwide for over 10 years, and this is very disheartening.

We received a letter that stated Nationwide was canceling our Homeowner's policy effective March, 2012 because the house is owner occupied. They were aware of this fact for over 15 years. The only reason they are cancelling is that we filed a claim with them because there was damage to the house due to a storm and the nationwide, representative came out and stated the damage was due to settling of house, even though I mentioned I had not seen the damage before the storm.

I called the office and a month later, they stated that the insurance was being cancelled. I asked the reason why and they stated because we needed to replace the roof because of damage due to the storm. I then told Nationwide that "you stated that I did not have any damage due the storm," that is why I didn't pursue it. Next, they stated that they did not carry that type of insurance any more and that we had to get a new policy on the house. They quoted me a figure that is $1000 more than what we are paying now. Our insurance went up $1000. I could not believe this. Is it legal to cancel a homeowner's policy - we have not missed a payment and have never filed a claim? Something needs to be done about the cancellation of policies for no apparent good reason(s).

I had a house fire in 2010 and been homeless after the year our living expense insurance gave out. I'm suing Nationwide and will win in the fall of 2012, or the spring of 2013 for the full amount plus expenses, etc. The government is not holding insurance companies accountable for breaking contracts with their customers. I guess we are supposed to have two homes just in case one of them burns and we are left suing the companies for years on end.

I purchased a house in Dec. 2007 as a single parent of two children. It is a brick home, away from any flood zone. It's roughly 1500 sq ft, brick, single story house. However, since Katrina devastated the coast in 2005, house insurance has terribly been inflated to ridiculous amounts. So when I went searching for insurance back in 2007, I had to jump at whatever was available at the time for coverage. I went through Nationwide for my homeowners insurance and joined the wind-pool for my wind/hail coverage through the state. My coverage was for a brick house, 1500 sq ft coverage, no content/replacement coverage for items, no water breakage, with the house being built in 1970. My coverage was $1231 for homeowners through Nationwide.

The next year, it went up to $2130 (due to "rate increases per Nationwide company") despite me making no claims, etc. After this, my insurance proceeded to increase approximately $200 a year after that. This year, I received a notice for 2012 coverage at $2637 with a "discount for claim free of $112, my total is $2525.00. I went to my agent's office to find out what/why my insurance was so high after I went and compared people I know who live in my neighborhood and friends with bigger houses and found that I was paying double/triple what most were paying.

My agent's representative, Diana, tried to explain that "their rates went up." I told her "they go up $200 or more every year" and that my coverage was terrible. I couldn't replace anything in my home if I lose it much less to keep paying this amount. She told me that somehow "your structure of your house had been changed." I asked, "What was that?" She said that it changed from brick to masonry to framed dwelling. She explained that this would drive my cost up and that you want a brick dwelling since my house was brick. I told her that it's been brick for four years now and should not have been changed. So, she tried to work other numbers in and came out with another figure at $2300 and some change.

I then went searching for better coverage and found another agency not affiliated with Nationwide at a fraction of the cost and getting even better coverage. My coverage now is for my house, content and water breakage at $711 for this year. So I quickly cancelled before my renewal date of Dec. 26, 2011. And then, after I had went up to Nationwide office to cancel my papers, a few days later in the mail, I received another renewal rate increase from Nationwide in the amount now for $3134. Wow! What a rate saver I got from Nationwide. Now I'm paying 4 times as much as everyone around me for what? And on the statement dated Dec. 15, that I received last week, my type of structure of my home had been changed again to "frame dwelling" instead of brick. Way to stick it to me. Glad I'm dropping Nationwide.

I filed claim for damage to television on 7-11-11. They paid me for partial replacement and said I would have to go out and purchase a new television for the claim amount before they would send me the balance of my claim. I don't have a money tree to cover this since I am unemployed and I have not ever filed a claim with them on this house ever. And I have had only one claim in all of the years of having NV in VA and NC and that was a deer vs vehicle accident, which I did not require medical attention to.

I am hearing to go and either buy another TV and they will reimburse after I send them a receipt, and they think that they are being generous by saying "since you are not working we will give you another 3 months to come up with a job to go and buy another TV". That would mean I would have to buy a TV first before I catch up on bills, but we are in a tourist area with seasonal employment and I am at the age of 58 and nobody wants older people down here. The beach is for the young ones to be working! Get a grip NW! I am on $82 a week unemployment, how do you think I am going to come up with about $500? You do the math!

I have been a customer with NW for many years with global coverage. In March of this year, my oil furnace malfunctioned and I reported this. I also had home warranty with AHS. I was informed by NW that the furnace was not covered by the policy, despite the fact that the damage was from recent rainstorms with water damaging the equipment. The agent promised that they will send out an inspector to evaluate but he never appeared. The agent called me a few days later and said that although the furnace was not covered, the clean up etc. would be taken care of by NW.

By now, most of the cleaning had been done and paid for by me. And I also ended up paying for the furnace which cost around $5000.00, of which only $1600 was paid by AHS. The NW referred cleaning services Duraclean submitted and paid $4500.00, which in my opinion was ridiculous and hyper inflated. They also billed me for $500.00 deductible, which I refused to pay. And I will be going to court next month. The issue could have been resolved amicably had an inspector been out to see the damage. I do not feel that the Duraclean services were worth the cost. And had I known what they were charging, I would never have approved. I was never given an estimate.

I decided to shop for auto and homeowners insurance. In doing so, I found out from the new insurance company that Nationwide had reported on my MVR report and accident that I had nothing to do with! Thank goodness that there was a police report on record with their Claims Department and it clearly stated who the actual driver was. Good thing, because it would have been my word against theirs. To add to this, I asked them to re-rate my policy correctly and refund me what they had overcharged me. They refused and it was their error to begin with. I couldn't even get my agent to call me back on this!

Nationwide owes me about two years worth of back premiums. Now, I am saving $1200 a year by changing mine and my husband's auto coverage. Nationwide is not on your side.

I have had coverage from Homeowners since 2001, and for my cars for even longer. They sent a cancel notice because I claimed storm damage in 2011, and I had a theft this year. The total was only $5,083 for both claims. They have made more money off of me over the years when I had no claims. "On your side," my **. Now they are going to make my rates go up because of this, and you have to have coverage. I am now believing that they are crooks and nothing more. It is all about money.

My complaint is about Nationwide Insurance Flood and Chris Coleman Agency in Pinellas County, FL. Our flood policy is paid by our mortgage company and the mortgage company paid Nationwide. The funds were withdrawn on 9/20 and sent to Nationwide. The person who answers the phone at Chris Coleman Agency refuses to put him on the phone and has Stephanie or Mary deal with the customers. This is the third year in a row that someone from Coleman Agency has called me and left me a voice mail saying that our flood policy has lapsed due to non-payment. The bill was paid and I will be looking for a new agent today to represent Nationwide for our flood policy. Chris ** permits incompetent employees to run his agency.

I'm a Nationwide/Allied customer for years with automatic withdrawal set up for my policies. Without my knowledge or consent, my homeowners policy was cancelled due to non-owner occupation. It's simply because Nationwide/Allied said that they could not verify my address. They said that they sent notification to an old address, which I never received. Not only that, but they referred me to a collections agency for non-payment of my homeowners premium, when they always had total control to pull out this premium at will and had done so for years. It was their decision to cancel me without notice and their decision to cease automatic withdrawal. I only found out about this when I was contacted by the collections agency by telephone.

I have proof that Nationwide/Allied has my correct address on file for homeowners since at least 2008, besides having a recent September 2011 policy and mailing sent to me when all this happened for an RV and automobile policy. Nationwide/Allied showed total indifference to my plight. They said that it was "up to me" to contact the collections agency to straighten this out. I don't even have any information on since I never received any correspondence from them regarding this. I contacted Nationwide, asking what to do for homeowners. And I told them I was appalled that I could have been without homeowners insurance without my knowledge. Not only did they not care, they said they wouldn't be able to reinstate my insurance till that Monday. They said that there was "nothing they could do", leaving me still uninsured over the weekend.

This is after years of being a loyal customer with automatic payment withdrawals and no issues. I spoke with David **. He didn't budge until after I contacted Hartford AARP and obtained new homeowners insurance, which by the way, I saved over $600 by going with Hartford. After the fact, David stated that he spoke with higher ups and they could indeed reinstate my insurance. Do not trust Nationwide/Allied. They are inept and indifferent. It's bad enough that without my knowledge I had no insurance for months and could have lost my entire life's savings. I had my house burned down. But now they won't even make things right with the collections agency. I have an excellent credit history. Because of Nationwide's actions, I will be spending weeks trying to straighten this out. This could affect much more than my insurance. Your credit report affects everything. Avoid this company at all costs.

My home was vandalized and flooded. Three years later, Nationwide/Allied is attacking me with their lawyers to try and cover up their own incompetence. I have not been able to live in my home the whole time. They tried to force me to settle the claim for $.10 cents on the dollar and then refused to reply to me. Now, three years and five claims agents later, I am still renting another home and they hired a huge law firm to harass me and my friends. This is while their preferred contractor took two years to give a bid for half of the repairs. They are truly disgusting.

My home was vandalized and flooded. Nationwide's claims agent showed up to console me. Then, the agent handed me a check for $30k and a form to sign off on the claim. All the while, I was sitting in my ruined home crying. The damages are over $300K. This was almost three years ago and they have not paid the claim. They went through several claims adjusters that all dropped the ball and failed to properly manage the claim. Now they have hired a huge law firm to harass me. I still do not live in my home.

I had a claim for a leak in my roof during a rain storm. I do not understand why the hurricane clause is in effect for my area (Hampton Roads). While the National Weather service called for hurricane winds to not come close to the 74mph sustained winds needed to qualify for a hurricane, the winds were sustained at 40mph, with gusts of 55-57mph in this area. Due to this, my deductible has gone from $1000.00 to over $10,000, this is unjust and should be corrected.

We received a letter dated August 23, 2011 that stated Nationwide was canceling our Homeowner's policy effective September 27, 2011 because the house is not owner occupied. They were aware of this fact last year when we moved and the house is on the market for sale. The only reason they are canceling is that we filed a claim with them because there was a damage to the house due to a storm and they do not wish to pay the claim. They were saying the water damage is not from the storm. We appealed their ruling and they hired an engineer. I believe the engineer is siding with us and that is why they are canceling our policy.

I had been with Nationwide for some years--had very little call to use our coverage. I decided it was time to explore other options. I found out that I could get insurance for half. Yes, that's what I said, half of what I was paying with Nationwide. On 6/11/11 I went online and discontinued the "EasyPay" feature I had used that allowed an automatic withdrawal of my payment every month to Nationwide (to save the several dollar "service fee" I would have had to pay each month if I chose to pay by check). I received a confirmation that I had "Successfully discontinued the EasyPay feature, effective 6/11/11". I went to the insurance office on 6/13/11 to cancel my policy.

On 6/15/11, they withdrew the June payment from my account; an unauthorized withdrawal that caused two "insufficient funds" charges to be levied against my account because I believed I had that money in my account. My husband went to the agent's office first thing on 6/17/11 and explained what had happened and stated that we needed that money returned. The local agent stated that she could not do anything, but would "take it higher up". After that, neither my husband nor I were able to get through to the agent or have them return our calls from messages left. I called the "billing service" number and finally got to a live person, explained the situation again and was told, after waiting on hold while this person spoke with a resolution agent, she came back and stated that the payment that was taken on 6/15 was already "in process" when I discontinued the online payment on 6/11.

I informed her that there was no notification of that on the confirmation that I received. She stated that the refund was currently in "verification" and would take 5 -7 days to be received. I stated that I needed that money back in my account and that it was an unauthorized withdrawal since I was no longer a customer by 6/15. She stated that she was sorry, but that refunds were sent by check. I asked if it could be overnighted, she went away again and came back a few minutes later and stated that the check had been mailed already and it would take the 5-7 days she initially stated. There was no more for me to do than to inform her that I would do my very best to inform as many people as possible to stay away from Nationwide! They are great as long as you never need anything from them if you like the idea of paying twice as much for nothing but grief!

The windstorm about 6 weeks ago, destroyed my accessory building (pole barn) in my backyard. A huge limb fell on it. Nationwide Claims Department says because the structure did not have walls, it is not considered a building for wind damage claims under my policy. The tree is eligible, but not the damage caused by the limb. Their interpretation is the wind caused all of the damage to the structure.

I'm a disabled veteran and cannot afford to have my house repaired nor can I fix it. I qualified for a 0% rehab loan with the City of WS and due to the value of the neighborhood and the cost to repair my home, nobody (not even charitable orgs) is able to do anything.

In desperation, I made the mistake of contacting this corrupt company to assist and ended up having my policy not renewed. So the bottom line is if you are disabled and destitute, do not use Nationwide. If any of you corrupt pricks are reading this, take that dweeb with the blue phone off of the TV! That's false advertising! You are obviously not on my side and "Nation-pam". Oh, please!

Had damaging hail damage. Eight contractors said yes, it is definitely damage from hail. Now Nationwide says only one side of the roof is damaged. They sent out some scammed engineer that lied and said also one side. The problem is both sides have damage and they're saying the side that the hail hit wasn't damaged but the opposite side was. Ha! How many times are these insurance scammers going to be allowed to stay in business ripping off hard working people. Oh, by the way, I'm also a contractor that will speak out against these people. Most won't. For you, I will.

I am disabled, but have been a longtime customer of Nationwide for over 10 years for both home and car. I rarely drive my car, yet I am charged what I think is too much. The last straw is a few days ago, they sent someone one to my home unknown to me and wrote a letter stating that a vicious dog barked at them. Hmmm. I have a cocker Spaniel and Australian Sheepdog that stay in house. One dog that stays outside, half boykin spaniel. None of them are vicious at all.

One may bark at you till you come through the gate, but then jump all over you giving you doggie kisses (if she is in the front yard which is rare). They want me to fix my siding, which I am in the process of doing even as I received this ** letter. I live on limited income, so must do a little at a time. They are rude, uncaring and now, that new ad they are running with that geeky man makes me ill. Oh well. I had to get this off my chest. I despise them. I am getting advice from disabled person's about better insurance companies.

This agency is threatening to cancel my homeowners insurance saying that I need to repair an unused shed in my backyard. I've had this policy for years with no claims. I'm on disability and cannot afford these repairs; the property was like this when I got the coverage. Where is the concern for long-term, good customers? This is beyond my financial means and I have tried to contact local agencies that say they help low-income people but have no luck yet.

I contacted Nationwide in February 2010 for service and I was advised they were no longer servicing Florida, and I would receive a refund, which never happened. They owe me $800.00 for the uncovered period. Also they continued to charge my credit card for coverage, knowing they were no longer servicers for the State of Florida.

I have a P.O. box as mailing address, as I am in process of purchasing a home, and have been living in hotel suites and with relatives. I don't like using relatives' physical address and they threatened to cancel my insurance. That should not be basis in cancelling one's insurance.

Nationwide does not explain the difference between "agreed value" insurance and "replacement value" insurance for jewelry on their homeowners policy. The former means what you get what your appraisal value was; the latter deceptively means you get a "wholesale or discounted value." Furthermore, they use quotes from online only (not nearby bricks and mortar companies) for their quotes, then essentially tell their policyholders to "take it or leave it." In my case, I know better. I am sending this for the benefit of other consumers.

I filed a claim with Nationwide Insurance regarding water damage to a wall which I noticed after seeing someone out this past year. My claim was denied because the language in my policy states that claims must be reported within six months of the loss which I was unaware of, even though their third party contractor stated that I would need a new roof. I contacted the Georgia Insurance Commissioner and they are telling people that you generally have a year in which to file, but they sided with the insurance company.

Since I am not a roofer, I contacted Nationwide as soon as I saw the water trail coming down the wall. However, it would appear that they used the last hailstorm in the spring as basis for denial even though we had a reported storm the following fall. My issue is that I have been told by several people, one with the commissioner's office, that you have a year to file, but they are also siding with the big insurance. I have canceled my policy and would advise everyone to never contact your local commissioner's office as they are no help.

Subsequently, I am having to figure out how to find $5,000 to replace the entire roof, which would put me in an already bad situation as I am unemployed.

My Nationwide policy was in force for a little over six months when we woke up to the strong smell of natural gas in the house. We immediately shut off the heater and called our gas company who came out and confirmed that our gas valve on the heater was not functioning properly and advised us not to use the heater until it was repaired. We called Nationwide who in turn set us up with a local heating and a/c company who also confirmed that the valve was probably the culprit. The tech reset the valve to factory recommended specs and recommended replacing the valve. Read your fine print, prospective Nationwide buyers! The valve was excluded from coverage as are a lot of the parts that can go wrong with almost anything they cover. I informed them that I no longer wanted their so-called "coverage" and to refund my annual premium. They emailed and said they would do a pro-rated refund but it's been almost 10 days and no refund. Lousy service, an 800 number that is no longer in service and very poor coverage. Do not waste your money on this crooked outfit.

After being a customer of Nationwide for my homeowner's insurance with 4 different houses over 18 years with never a claim, Nationwide drops my coverage. There should be a law preventing them from dropping people who have never filed a claim. I have nothing good to say about Nationwide and suggest no one do business with them. No such thing as loyalty and customer service anymore.

They refused to pay the coverage for my mother's home that was lost in a flood in 1998. The coverage was for over $100,000, but they only paid out $31,000. They refused to return her phone calls and they will put her on hold forever. Then when the staff members return, they state that he's with someone and he will call you later but he doesn't. I'm her son doing this for her. My mom is not able to do this on her own.

This company promised me a refund for my contract back in December and I still have not received my refund. I have contacted the BBB who was informed by nationwide home warranty that they would be sending me a check and we resolved the case. About a month has passed and today I had to reopen the case. The caseworker at BBB is not able to get through to the either. They don't answer the phone or emails. I am highly frustrated and need help. I am currently having a financial hardship and I should not be waiting so long for this refund.

I put in a claim for "Hail storm", the "Rain storm" Policy number 6132Hp3672270 for Roofing . They complained that my roof was already deteriorated. It's untrue. This roof is about 8 to 10 years old the most. My husband is the owner of Contracting Company for working with roofs / carpentry etc. for more than 25 years. He told them before it's nothing wrong in the deterioration part of our roof. He went up there himself to evaluate it and there was no deterioration. Nationwide is using this against us not to repair the roof in during an observation for a renewal saying we need to get rid of our dog and two old cars and the roof was deteriorating. We have till June before our renewal to have the dog and cars removed. However, we do pardon the difference with the roof. My husband is a contractor and looked at the roof well before the storm and said nothing was wrong with the roof. When a hailstorm and rainstorm came, our house had problems from the bad storm. I need the commission to revisit Nationwide's theory. My husband is an expert in this area of work and knows if a house is deteriorated or not. Thank you In advance for handing this matter.

In Feb 2009, we had a bad wind storm in Tennessee. It did a lot of damage to my roof. I called Nationwide Ins to report it and they sent Jason R. T., adjustor, out to look at it and he determined that the front part of the roof needed to be replaced but he said the back was fine. I had the front part of the roof replaced by Genesis Roofing. They also told me that the back did not need to be replaced, just the front.

On Jan 13, 2010, I received a letter from Nationwide stating that they were cancelling my homeowner's policy because roof is in poor condition. I know the front is not in poor condition because it is brand new. So does that mean they lied to me about the back? Another thing is I always paid my premiums on time. If the back was in poor condition, why did they not replace it when the front was done? My home is suppose to be covered until Mar 15 2010 but I received a letter Feb 13 2010 stating that it was already cancelled and if I owed anymore money, it would be turned over to collections. I would never do business with this company again, nor would I recommend anyone else doing business with them. That is not good business.

I have had Nationwide insurance since I got my first car. Then when we purchased a home, I just added homeowners right on. I figured, staying with the same company, everything was good. I had the homeowners insurance since 2003, I never used it. Of course, everything we attempted to get help with was of course a pre-existing condition, so I borrowed from my retirement to replace a roof and some other minor damage around home. We had a problem with a pipe in our wall busted and flooded our basement bathroom and under our basement floor. We had to replace the sink shower and floor in the bathroom and part of the basement had to be dug up. We paid for the pipe to get it fixed there. Okay, no problem. That should have been one claim but Nationwide issued it as two.

Then, we had a problem with a pipe busted in the upstairs bathroom and ruined the wall in my living room as well. So that made a third claim in one year. I never thought anything of it, I was grateful they helped us fix this problem and I thought I was over with. Then low and behold, I got my renewal for my homeowners policy and my policy tripled in price. I thought, "okay, this is a mistake" and I called them. Nope, it's correct. The agent told me! I was floored. I have been fighting with Nationwide now for over a month about this issue. They said they told us and sent us in writing that if you have 3 or more claims in a year, this could happen. Well, I nor anyone else in my family who has Nationwide ever heard nor received a paper on this matter.

We have asked for them to send us a copy of this paper and they said they already did so of course, I went looking for another insurance company. I don't think what happened was fair. Well, much to my surprise, if you have 3 or more claims in a year, no other company can or will take you either so I am stuck with a company I am not happy with. I understand that we have to pay some back. Okay, I'm fine with that but don't send me a notice one month before it's due and expect me to come up with $1720.00 when I am off on disability and husband is on unemployment. We asked them, "is this a one time thing?". "Oh no, this is your new premium for the next 3 years". That is just ridiculous. They are going to allow us to make payments, but what happens when the unemployment my husband is getting runs out and we no longer can pay that? We lose our house because it is financed and Nationwide holds the cards if we don't have insurance, our loan provider will take our house.

This was an increase of 150%. In most other states, it's a law that you can't raise more than 30% and they know that no other company will take you with claims, so they really screw you over. I am stuck with a lying, cheating company who finds any way possible to get more and more money from people they don't deserve. Please, if you are looking for insurance, think really hard. I wish I would have had someone warn me. I would rather have paid a little more for better coverage than to get screwed over by a money-hungry company whose customer service rep, managers and agents are very rude because they know you can't leave them. So they can treat you however they want. It's not fair, something needs to be done.

On September 03, 2008, I went to Victor **'s Office at Nationwide Insurance Company to purchase insurance coverage for my Jewelry. He asked me approximately how much the value of my jewelry was and I told him $38,000. He did whatever he did on his computer and said it would cost me $141 for the coverage for my jewelry and personal belongings, so I paid him and he said I am covered but I am to get my jewelry appraised and keep the papers because if I did not get them appraised and something was to happen, I would be reimbursed based upon Nationwide's appraisal.

I did not get a policy from Nationwide; all I got were the declaration papers showing that my Personal Property was covered for $38,800, Loss Of Use $38,800 and Condominium Loss Assessment $10,000.00.

I went and got my jewelry appraised for over $34,000.00 and kept the paper and the appraiser took pictures of all the jewelry and kept them.

On January 21, 2010, I called the Agent and told him that I needed a copy of the Condo Policy because my wife thinks we are paying too much for the three vehicles we have insured with him and I wanted to show her the cost for insuring the cars and the condo/Jewelry. He emailed me a copy of the declaration papers for the condo because I told him I had just gotten the declaration papers for the car insurance with the new insurance cards.

All along, I was not concerned about the condo policy that I did not receive when I first purchased the Insurance or when I renewed it in 2009, because I have been doing business with this agent since approximately 1995 and I specifically told him the type of coverage that I wanted. At no time did he ever tell me that I am to send him a copy of the Appraisal Report, even on January 21, 2010 when he and I spoke and I told him that I had some more Jewelry that I inherited from my father who had recently passed away. All he said was that I am to get them appraised.

On February 01, 2010, my Condo was broken into and all my jewelry was stolen along with $4,500 in cash. I called the Police and got the report number, then I contacted Nationwide Insurance Company claims department. I was assigned a claim number and an adjuster, whom I had to call and leave four messages on her voice mail before she returned my call. I was told that of all that was stolen from me, I would only be reimbursed $1000 for the jewelry less $500.00 deductible and only $250 for the cash that was taken according to some schedule on their Policy which I did not get or have ever seen. I explained to them that I have never ever received a policy or else I would have done what needed to be done to get my full coverage because that's the reason for my purchasing the Insurance.

I asked for a copy of the policy to be e-mailed to me and they sent me a Generic Policy which is totally different than the policy they finally mailed to me on February 4th with a lot of amendments to it. The claim adjusters are not returning my phone calls because I proved every point to them to show them that I really did not receive a policy or else I would have done what needed to be done to get my jewelry scheduled on the Policy and I was misled by the agent as well as he did not act in good faith on my behalf. I need help so that I can take them to court and get my money because they are a big rip off.Thank you.

We switched insurance companies due to the many issues we were having with Nationwide. They cancelled our rental property without our knowledge and when we discovered it, they said it was not owner occupied. This they knew for months as we had our new house covered under them. Another time, we sent payments for two policies in the same envelope. I did write that they were payment for two policies and to please post accordingly, two checks, two payment coupons.

When got a letter stating they were going to cancel one of our policies due to non-payment, I called them. I explained that I had sent this payment in the same envelope with another premium that was due. This one they said was fine. Then the guy asked me to hold on. When he came back, he said, "Oh, the check was in our 'Do know where it goes box!'" As our last name is very uncommon, it should have been very obvious as to where this payment should have been posted. In any event, you would think they would try and find homes for these misplaced checks prior to sending out their nasty little letters. At no point since we have signed up have we heard from the office where we signed up and where they get a premium every month. I believe they should have contacted us before we got the letter.

Now, after we have changed all of our insurance over to Farm Bureau, we get a letter from them saying we need to show proof of insurance prior to 9/19/09, otherwise, we would owe the $155. Well, I sent them proof as we acquired new insurance on 9/18/09. I thought the matter was settled and was actually expecting a small refund from them as we did with another of the policies (5 total) that we had with them. As I had not heard from them, I called. The woman I spoke with said they had received the information and had taken care of it. I asked her to email me confirmation.

Well, her email said something to the effect that the policy had been cancelled and had been sent to Ann F. in collections. I emailed her back questioning the difference in the email as opposed to our conversation. She said I would need to speak with Ann. I called Ann and left a message. No call. I emailed back saying I had left messages with Ann and had had no response. She said she spoke with Ann and she would call. This went on for two weeks. Needless to say, I never received a call from Ann.

Yesterday, I received a letter from Ann saying she had adjusted our amount and that we owed $152 not $155. No explanation given that a person outside the industry could understand. However, she arrived at this figure changing (increasing) our premium from by over $300. I now understand why she did not call. She cannot maintain her sliminess if she had to talk one on one to someone but she can hide behind paper.

Nationwide is crap and based on all the letters I have read does not deserve any customers. I now have the same coverage and more money in my pocket since I am no longer and never will again be a Nationwide customer.

Insurance companies routinely and autonomously raise a homeowner's insurance policy holder's "limit of liability" and associated premium at each renewal. If you request specifically your own choice for the limit, they start by ignoring you and then make it difficult for you to change. Through persistence we have been able to get what we want but wonder whether sufficient number of other consumers are similarly affected to warrant class action.

Nationwide paid a claim on our home in April 2008. Our garage ceiling fell in. Our deductible was about $1,250. We had trouble finding someone to fix the house but finally found a contractor who came out to repair the damage. At the time the repairs were done my leg had been hurt from a fall and I could not walk. About six months later when I was able to climb up in the attic I saw we had sheetrock dust covering all our things we had stored, all the ductwork and our furnace would not light due to all the sheetrock dust. It was real bad. I called Nationwide and told them the problem and explained that the original estimate did not allow for the cleanup in our attic after replacing a garage ceiling.

Nationwide did not call me back until I called the third time to inquire as to why no one would call. Nationwide then told me the damage report had been cancelled. I did not cancel it. I filed another claim on the same thing. After a week or longer the supervisor called and after much debate sent one of the Nationwide contractors (Servpro) to do the cleanup. When Servpro came out he told me what he would do and said he would contact the Nationwide supervisor who called him. After another 2 weeks Nationwide called and said Servpro gave them an estimate for cleanup of $2,000. That seemed somewhat expensive to me but I told Nationwide to go ahead. When Servpro called me to schedule for the cleanup I informed them that we would need a new roof and repairs from Hurricane Ike and they informed me this is also one of the things they do. Servpro came out again and brought a contractor with them who gave me an oral bid on repairs I knew nothing about at the time nor had I received any other bids. I told them I would have to think about it. I called Servpro back but never received a return call. I sent two e-mails but never received a reply.

To date, Nationwide has never contacted me again regarding the cleanup nor has Servpro. They have left me in limbo on the entire job. Nationwide has never called me back and I am tired of calling them on this one job. I have called them a total of 12 times and still only 1/2 of the original job is finished. I am so frustrated with this entire thing. I know all the stuff in the attic cannot be good to be breathing because my husband and I both have had trouble breathing since the job was done on the garage but never attributed it to the sheetrock dust that we knew nothing about. What is a person to do? Nationwide nor their contractor (of whom I sent 2 e-mails) will call me back. I think Nationwide may have gotten angry because there were additional monies they would have to pay on a claim so they decided to forget it all. This is not worth all the frustration this has put me through. The Nationwide insurance adjuster should have allowed in the claim for cleanup. I never thought about it. He is the insurance adjuster. How would I know? We were out about $2.000 out of pocket on this one job already which is more than Nationwide ever paid us in the first place. This is the first claim we have had on our home in 24 years. This is ridiculous. Nationwide is not on our side. Not sure if they are anyone's wide except their own. This resulted to breathing problems, financial stress, and emotional distress.

Bationwide Insurance hires Lou Perti Plumbing, saying he's a master plumber, and they get what they want. They denied a claim, even though they cant explain how almost three inches of water got into my basement. Lou Perti, (Who Nationwide hired), said it came from a window that was sealed up when we bough the house, yet never leaked before, and never has since.

The window, a ground window well, was sealed up years ago. I hired two other people, who state that there is NO WAY Lou Perti can state that this much water came in through a sealed up window sill that shows no signs of leak, and cannot be made to leak even with three-four hours of a hose and rain pouring onto it.

They denied the claim because they hired a plumber, Lou Perti.

I would advise anyone to reserach Nationwide before going with them. I have found countless horror stories on the Internet for the same thing.

A few days ago we experienced about a 1/2" of rain. My sump pump failed causing about 2-3 inches of water to flood my basement. I called Nationwide Insurance right away. They told me they stopped covering sump pump failures a few years ago. They also told me that i should have received a letter stating this. When they supposedly removed the sump pump coverage my preium stayed the same you would think it would have dropped. Where is this letter they said they sent to everyone's house stating sump pump coverage was no longer covered? To date Nationwide can not produce this letter and mail a copy to me, E-Mail it or even read it to me over the phone?

I had a homeowners policy with this company when my home burned. They sent a claims adjustor out to my home who helped me to submit my claim. After the claim was submitted, the claims adjustor recommended a contractor that he said worked for Nationwide as a claim adjustor for a long time and was qualified to do the repair. I met with the gentleman and because I trusted the insurance company, agreed to allow him to do the repair. We signed a contract that he would be paid upon completion of the work and he agreed upon a date to commence reconstruction. After the contract was signed, the contractor informed me that he would need permission to draw on the funds to buy supplies, I agreed because he told me this was customary.

They worked for nineteen days and were doing atrocious work. My daughter became suspicious about spraying kilz on burned wood instead of replacing it as was paid for, and she called a home inspector to come and inspect the work. Everything was done wrong. The windows were not set per mfg. specs, the vinyl was not properly installed. After the initial nineteen days, I fired them and they charged thirty one thousand dollars for nineteen days work. The building supplies cost less than three thousand dollars. I spoke with the local agent who sold me the claims adjustor about the shoody work and he told me that he came out and personally inspected. I told him that he was not a building inspector. I had to hire a different contractor to come in and tear out what the insurance recommended contractor had done and start from scratch.

We bought a home warranty from Nationwide for our Ranch in Barksdale, TX.Which is about 350 miles away from home, our water pump went out, we did not have our paperwork to call the insurance so we had the repairs done and contacted them immediately when we got back home to Houston to let them know the problem. It took about a month of fax me the invoice, email me the invoice, over and over again. All that so they could say it's been denied. I told the manager to cancel my policy and give me my money back. Their answer was your policy can not be cancel. This is bull people so take my advice do not do business with this company they are a big ripoff.

How can this be? It appears that the insurance companies are trying to "pump up the price" of coverage in a down economy. Is this legal? The additional premium paid was $127.00. However, if you take in consideration all the customers - This is a lot of money. Is this a class action case?

They advertise a small co-pay of $35.00 to start and go up. It is now $60.00. I paid for a full year service 3/21/08 for $373.33. 2009 I was not yet decided on continuing coverage but Jan. 23, 2009 I found out my WaMu card was charged another $373.33 for another year. I really did not want to use that card but it was done anyway. 9/30/2009 I called Nationwide for service because the heat won't come on to our Central heat and air unit and they notified a technician to come out. He diagnosed it as needing a circuit board. He called Nationwide to give them the estimate of charges and was told to do nothing yet as they have to decide what to do.

They did not call him or me and today I decided to call them and let them know I'm getting cold. I was told they are waiting for me to send the maintenance records for the unit and that is when I blew my top and told them I change my own filter and actually that's about all I do. I was told I can dispute the asking for the records via email and that is what I did today and I do not expect to hear from them again. I told Mr. Christopher W to cancel my account and to return my 2 years of premiums because they have done nothing for me and I would do my own repairs and I was told I can cancel 4/21/2010. Do I have a case?

Our homeowners insurance premium went from $831 a year to $2,019 without notice. We never filed a claim and they could not give us an explanation why? This was on a $80,000 house built in 1990. We have a fire hydrant across the street (maybe 50 feet), 2.5 out of city limits,and live 3 miles from the nearest firestation. We will be canceling this insurance and going with farm bureau which is only $600 a year premium.

My stand alone freeze was not working so they send someone out to fix it so it was working. About two weeks later I had to call them back they send someone out again the company that they send out said that they had to call Nationwide about the part so the company call me back in said that the part cost to much. So I call Nationwide back in they said that I had to show proof that the freeze is cleaned and maintain. I told them that I clean and maintain the freeze so the person said O.K. then she put me back on hold then she came back I said that the claim turn down because it was a existeding problem, but was not a existeding problem. So they will not fix it.

I have property in Locust Grove, VA that I use on the weekends and holidays. Well on August 10th, my wife and I went to our house and smelled a foul odor. I went to the basement and seen damage to my ceiling. I called a plumber and found that a pipe cracked and was gushing water from my kitchen sink down the wall into my basement ceiling. Well there was mold damage in my basement.

I tried to speak to managers who ignored my calls and messages until I opened a complaint with headquarters. I set up a appt. for the manager of the adjuster and the plumber to talk with no resolution. Besides your out of luck. All the years I put money into an insurance company the does not want to accept an insurance claim.

Nationwide Insurance lack of customer assistance. There saying is "on Your Side" this is just the opposite has been my experience. I never made a claim with them in over 8 years doing business with these crooks. I recently updated my policy for both my house and car. They sent me the new contracts I signed them and sent them back, then they tried uping my rates by $40 bucks. I did'nt have a problem with the money I had a problem with them sucking me into a lower coverage plan to save me $80 bucks a year and then wanting to jwck my cost back up to $40 putting me in a position of lower coverage with no benefit to it customer.

I requested that we have a signed contract, but the agent refused to take the charge of my bill. I told him that I have been a very good client for atleast 8 years and are they willing to loose a customer for $40 dollars. I go no response back. So I pulled both my auto and home from them and went to another insurance carrier whosaved me almost $200 a year plus I have better coverage. On your side, don't believe the marketing hype!

The agent, Mary Lynn, sent me a memo stating that I have "unlicensed vehicles" and trees overhanging my home. There are no unlicensed vehicles on my property. There are trees; I will call as requested for a time frame to correct the trees. Her inaccuracy and tone are demeaning and intimidating. I will seek another service, I do not wish to incur any penalty if I choose to change to another company. If this is the way they treat a customer who has no claim, how do they treat them when there is one! At this point, I am inconvenienced and want to know if I can switch companies without penalties. I feel that they are disclaiming any responsibility should I submit a claim.

I have all my insurance with Nationwide (Toney ** Insurance) out of Kingsport, TN. My contact is a lady named Brenda that works out of the Nationwide office in Jefferson City, TN. I have a Campground policy and a homeowner's policy, a general liability contractors policy, a full coverage policy on my excavator, three automobile policies and I pay over $13000.00 per year on time every time for these policies. My home and barn is located on the edge of my campground. On May 25th, a travel trailer in the RV park caught fire and spread to my barn burning it to the ground. I called my agent and several days later and several insurance investigators walking my burnt bar, I was contacted by an adjuster and told that we were covered.

It has now been almost two months and the adjuster will not return my calls and Toney cannot be reached and he will not return my calls. I have retained an attorney to sift through all my insurance and tell me where I stand on all of this and he is at ropes end. When he tells my Jefferson City agent who he is, she will not talk to him. I called my Jefferson City agent and was told that I should not have hired an attorney that her adjuster represents me and that she will no longer talk to me. I do not want to sue any one and would be very reasonable on the settlement. but I do not know what to due.

My barn is falling in and I roped the barn off with security tape, but children from the RV park keep climbing all over the site. I am concerned that someone will be hurt. I can take money from my retirement savings to clean up the barn and forget about the insurance paying for it. This would be around $5000.00 and would impact my retirement. I own the RV park and am normally full on the 4th of July, but when people come to look at my sites they see the burnt barn and just leave .The adjuster can be contacted, if he will answer your call or call you back. Fred **'s cell number is ** or **. Please help.

I called Nationwide Home Warranty in April 2009, about my A/C. After several phone calls from me, NW admitted they couldn't find a contractor in my area that would work with them, so I contacted my own with their permission. The compressor had gone out, needed to be replaced for $1400.00. Now, they wanted to have maintenance records. I had the unit serviced in 9/2007, and it got a clean bill of health, but not in 2008, since it was working just fine. Due to the missing service in 2008, the claim was denied. It is kind of funny, how this need for maintenance records wasn't mentioned until they heard the price to repair the unit.

I called NW again, I was put on hold for 35 min. hung up, called again, this time was I told, they didn't have a contractor in my area (knew that already on 6-07-09, told them and offered to call my own contractor if they would approve). Finally, they approved for me to call my own contractor. The contractor came, paid my $65.00 service fee and he gave me an estimate for repair for $299.41, submitted to NW on 6-12-09 through fax. I called NW afterwards, they assured me they have everything and to give them until Monday to review it.

I waited until Wednesday, 6-17-09, haven't heard anything from NW, so I called and was told the estimate was missing the serial number, therefore nothing was done with my claim. Nobody at NW thought to pick up the phone to let me know about the missing serial number and now another 5 days had passed. I got a new estimate with serial number on it, and faxed it in again. I called NW later and was told it will be reviewed and I should receive an answer by the middle of the following week. So much for their advertisement of having their customers up and running again in no time.

Today, Monday, 6-22-09, I called again to check on the claim and was told NW agrees to pay $200.00 towards the claim, even though the repair bill is $299.41. They only agree to $200.00, because the blue book value was only $200.00, even though in my contract it says they would repair or replace the stove with a new appliance of like, make and model, or agree to a cash settlement for the current retail price, not blue book value. $200.00 is not going to buy a new stove. Retail for the stove is $700.00, needless to say, I was pretty mad, after I've been sitting here with two little kids for over two weeks without a stove, tired of microwaved meals. Told them I would contact a lawyer in this matter, since in my eyes that is a clear breech of contract.

Now they want to offer me $240.00, repair costs minus the $60.00 for the service call. Keep in mind, I paid $65.00 for the service call out of pocket, the $299.41 is on top of that. So I asked NW to send me the offer of $240.00 in writing, they refused to do so. Unless I accept the offer, I wouldn't get anything from them, in writing or otherwise. I want the offer in writing before I accept anything, the way things had been going, I was worried if said I accept and pay for the repair, I won't see a dime from them, afterwards.

So, for now, it has been 15 days since I filed a claim, never received a phone call from them. The contractor they supposed to have contacted doesn't even exist, spent an awful amount of time on the phone, mainly on hold. The customer service people I talked to are unprofessional, and in my opinion, incompetent, since quite frankly, nothing was done to my claim other than taking down the claim the first time I called. Everything after that, I handled myself. The only concern the costumer service people had was me not being friendly enough for them. But after over two weeks, my patience had worn a little thin, and I didn't feel like being friendly anymore. This whole nightmare, kind of defeats the purpose of a warranty company, other than throwing away some money, I could have used to fix or replace the broken appliances in my household, $1400.00 for a/c compressor, $1700.00 for a/c evaporator coil and whatever costs I will have with the stove.

The day before Father's Day 2007, our house flooded. The toilet in the basement, sprocket shoot off the pipe and put 2 feet of water in our basement. We had a $250 deductible. We paid over $16k to have the basement fixed. Everything had just been painted for sale and our first open house was on father's day. They paid us just under $12k, leaving me with the balance. Nationwide sent us to a local subsidiary of theirs to handle the case. The lady in charge told us what we should have done and what they would pay for, except for the $250. She never accepted the bill paid over $3k+ for the guys who rebuilt the basement nor for any of the parts like the dry wall and the trim. All these bills she would not pay. I called them numerous times and finally gave up. Nationwide left us out to dry and couldn't have cared less about us.

I paid about $800 for a yearly premium on flood insurance when Nationwide Ins. Co. here in Wilmington, N. C. advised me that they would no longer cover that under my homeowner's policy. I could not pay the full amount when they requested payment, and paid a double amount for the first payment, and paid it off in about 4 - 5 months at $119 per month. Is there flood insurance I can get without it costing so much for a year?

I am 72 years old and I need to keep my expenses low, but this is now coming each year in the Fall. Thanks for your help. The insurance for flood is a North Carolina Underwriter's Insurance. Please tell me how to shop for a better deal. Thanks for your help. I really appreciate your radio show, and listen to it daily, but haven't seen the TV show yet. I do not have a complaint with my insurance company nor my agent, just need to know if there is a less expensive flood insurance out there.

In June 2008, our area had a severe hailstorm, along with wind and rain. The following day, we noticed water damage into our garage and home. We immediately contacted our agent at Nationwide/Allied. He came out and literally spent a total of 5 minutes assessing our damage. Several weeks later, we received a letter stating we had no hail damage, and only minor wind damage. Nationwide said we had wear and tear damage which they would not cover. Our neighbors began replacing their damaged roofs.

We did a comparison survey and found that 90% of our neighbors with the same age of roofs and same roof structure had partial to full replacement of their roof due to this severe hailstorem! We provided this information to Allied, along with statements from our roofing company, to support that we did truly have hail damage ... not just old age of the roof. They continued to deny we had hail damage and insisted we pay for a 3rd party arbitrator. This payment was done last November 5 months after the hailstorm.

We finally settled on an arbitrator (had to use one that Nationwide would agree on!) and the guy came out in February. Guess what...the damage to the roof is so old that he had a hard time determining hail damage until he saw that the metal galvanized valleys (where the roof changes angles) had pits and holes from the hail damage. Now the arbitrator says we are due AT LEAST 1/2 of a roof but Nationwide is still dragging their feet.

Now I'm getting more leaks since the spring rains have shown up and Nationwide says that I should have seen these and fixed them last year. How can I do this when we are still fighting with them to show that we had hail damage? Our roofing company has been very nice but they agree that Nationwide is the nastiest company they have ever had to deal with.

We still have a hail-damaged roof, that leaks into our house, 10 months after the hail storm!

I was contacted by Nationwide salesperson Joshua W via internet regarding a estimate for a move from Chicago, Il to Birmingham,AL. I explained to Nationwide (Joshua) that I would need my furniture delivered by Monday March 2nd and the lastest Tuesday March 3rd. I was told this would not be a problem due to the ditstant of my trip which would be 633 miles. I did not recieve my furmiture as promised. I was asked to pay a deposit my company provdided the cost of the relocation and paid the required cost of the move.

Nationwide refer my move to another company that I was not aware of and the company named Peacock Movers were a hour and 1/2 late to pack my items and only sent one 1 packer which took the entire day the truck came hours later and they were still inventory items. I was told ny the movers that they would need to charge me an extra $300.00 due to they were told that furniture was in a storage facillity and also the distance of the walk would be more than 75 ft due there was a possiblty that the truck would not be able to drive in the storage facility. I explained to the Peacock that this information was indeed given to Nationwide and I was assure that this was not a problem.

I tried calling Nationwide on a Saturday and I could not reach anyone for confirmation regarding this dispute. I was asked to sign a agreement form in which I did not want to sign and indicated that on the form but, due to the fact my furmniture was now siitng in the middle of the facillity and they had me in a no win situation I signed it. The second complaint is that I have not receive my furmiture since Feb 28th when it was first pick up and I have been told different dates since the intial pick-up of my furmiture. No returns phone calls or you are put off continously.

I would not RECOMMEND this company or any moving company associated with them to anyone. This saddens me that companies can take advantage of the customers amd continue to do business like this. I urge anyone who has dealt with this organization to speak up it is time to put them to rest. I am out-of -pocket expenses with seeking other accomdations due to the miscommunciation and fraud fees from this company and not to sya the least my company has incurred cost as well.

My furniture has been hijacked and I was charged a astsomincal fee for which is a total fraud base on the amount that was quoted and paid to the company for my move. The total amount of the move was $4,482.74. There is a lot more to be said that I do not have room to address the stress and frustation with this company.

On Sept. 14th last year my home sustained heavy wind damage. I had only noticed major damage to the chimney when I had phoned. After their adjuster looked, they had approved roof replacement and an allowance to fix the chimney with a possible supplemental if needed. The roofers started on the roof first and while cutting the flashing away from the chimney they noticed the chimney was detached from the home about an inch on the west side ( side the wind came from ). We had to stop with the chimnet repair simply because it was a larger problem that they needed to approve therefore they sent THEIR OWN adjuster and THEIR OWN structural engineer to look.

They determined it had detached from wear & tear & settlement, I think poor construction was used as well. Regardless, that chimney had mortar throughout, which is missing all above the roof level since the wind. We lost bricks all from the west side and I assure you my chimney was not moving ( detached ) before that storm. Even THEIR OWN structural Engineer claimed verbally to us when he came to look. It would be impossible for me to EVER determine if the wind did this or not . But in his report he states In my opinion the wind did NOT cause this damage.

Two other men looked at it and clearly disagreed but Nationwide said I do NOT have arbitration in my policy. There is a clause that states if a covered peril is hazardous they will pay to remove it BUT they now say it is NOT a covered peril. The chimney is still attached to my home except at the top, so how is it NOT a covered peril. They have told me I am 100% responsible IF anything should become damaged or anyone should get hurt due to the chimney. I have been a loyal customer to Nationwide for 27 years and this is a very legitimate claim yet they deny it ?

I NEED HELP and the 2 attorneys I spoke with will cost me more than fixing the chimney myself. This is simply unfair and unjust. Is there something someone can do. I contacted the Ohio Ins complaint dept. and they said they read the structural engineer report and there was nothing they could do. TOld me to get a lawyer. Sad, Disappointing. In this case Nationwide sure was NOT on my side. They only saw that chimney AFTER the storm, there is NO way they could ever be 100% sure the wind did NOT cause that detachment. I live her and I know it was not separated before that storm and I also know that the Engineer report is made up of 90% assumptions and I replied to them but they went ignored.

My chimney is detached from my home AFTER the wind storm & I am scared to death it will fall anytime and hurt something.

Dec. 4th 2008 I called the office and spoke with JoAnn and asked that they not draft my account for the payment. I told her that I would bring the payement in. She replied that it was to late to stop that it would have to be 4 days. Well I received two insuffient funds of $35.00 which they felt was not there responsibility. I also asked her never to draft my account any more for payments that they would be mailed in or hand deliveried. So when Jan the 8, 2009 came my account was drafted which has caused a mess. All the small drafts which I set up did not clear.

They took out $ 183.17 and with the amount for the small drafts which would have come out still there would have been money left in my account. Some of the accounts which I had set up drafted my account because they had never had a problem with not being able to get there payment before. I received 3 insuffient funds of $35.00 and it isn't like I have all day to babysit. I have spent a total of more than 10 hrs trying to get them to re debt the money back to my account. Not only that I had to run to my bank and get print outs showing it wasn't due to me over spending but it was because they did not have my permmision to debt my account for January 2009 payment which they did and have taken a long time to replace the money they took out and occured fees to my account. I had to take other money and cover my other accounts and as of Jan. 20 2009 still have not paid them for my car Insurance due to no money till Jan 22 2009 to pay for car Insurance.

This has stressed me to my limits. Job looking and having to go to an Interview all stressed and just barely passing a test. The office which I had to take the proof of bank statement (Denesie) she belittled me. My account was like frozen because I had no money to cover my bills. They paid (76.00) back but still have yet to be paid for the last $35.00. They fill as though the paid the 2 and have resent the money back to my account but still it was too little to late another $ insuffient and they don't think they should have to pay it back.

I am very disappointed with nationwide and they have handled our accounts for a long time and they treated us this way. They also have our home/auto never any accidents no respect no sense of urgency to fix error. No apologize nothing like they did nothing wrong. They don't see you all they see is the money they have received all these years. I do plan own changing and reporting them further to the Insurance commision of NC.

back in march of 2008 we had a really bad snow storm that dropped 18 inches of snow. The snow became heavy and pulled my gutter on the south side of the house dropping, like a hammock. i called nationwide insurance company whom i had had for thirty years, and never filed one claim to see if it was covered. the receptionist tried to discourage me from pursuing filing a claim. she stated that maybe i could just get some one to climb up on a ladder and attach the gutter with a hanger. she said it would be foolish to file a claim if it was only going to cost a couple of hundred dollars. she gave me 3 repair places and only one came out after about 1 month. the repair would cost over $700. at that time i decided to not pursue the claim. a couple of months later after some really bad storms this past summer i noticed rain coming in in my basement walls. it wasn't bad, just some sepage. i also noticed that the gutters were dropping worse and that they really needed to be repaired. My back porch was becoming water damaged again.

I thought i would file a claim with my home owners insurance. when i called the women on the phone took down all the information and said someone would be calling me. i asked to file a claim for the gutters and the basement walls since they all had to do with damage from the storms. the women took down the information and told me that i had to file 2 different claims. one for the gutters and one for the water sepage. the next day i was contacted by a gentlemen for the gutters. when i told him i wanted the insurance company to put gutters on my back porch and have the porch repaired he gave me a hard time. so i cancelled with the insurance guy. in the meantime a women came called about the walls. this was 3 months ago in june. i showed her my basement walls and told her with the snow storm in march and raining i've been having rain seeping in my walls.

there was also mold on my walls. the women was very understanding and told me she has the same problem in her home. she said she couldn't help me with the walls but when i told her about the gutters she said she would see what she could do about the gutters. she asked for the one estimate, went out to her car and knocked on my door 15 minutes later with a check for $500. she said they approved the money for the gutters. i asked her at the time if she thought our insurance would go up and she stated that no necessarily, but all house and car insurances were going up. i never heard anything again.

then the end of august my insurance company called and asked if i ever got the foundation repaired to the house. i said what foundation, all i had was seepage from time to time in my walls. and i said i didn't follow through with that claim. she said it didn't matter if you got money for the claim or not you still made a claim. then on sept. 11, 2008 i recieved a notice from my insurance company stating that they are cancelling my home owners policy because i dont meet there underwriting criteria, which is because of unacceptable maintenance by leaking foundation. i'm on social security disability. they never told me that i needed to get the foundation repaired and if i didn't they would drop my insurance. now what am i suppose to do. that is going to show up on any insurance i try to purchase.

i think they dropped me because if filed a claim with them. i had them for over 30 years and never filed a claim. now how do i find another insurance company? they are all going to ask about if i filed a claim and they'll come across that. this is so unfair. thank you for your consideration in this matter.

On 8/22, my hot water heater malfunctioned. I have a home warrenty that protects all important home systems and appliances, which I pay $34.19 monthly. The hot water heater is included. The company recorded the claim, and I was told a contractor would be contacting me. By 5 pm day, I recieved no contact or follow-up calls. I called the claims department and was informed that no contractor was available and someone would call me MONDAY. That left me with the weekend and no hot water. I asked if I could get my own contarctor but it was not recommended.

Monady I called and still not contractor. Tuesday, still not contractor. I placed 6 calls per day to follow up but recieved no follow-up. Finally I gave them the name of my contractor who contacted them directly and on Wednesday, 8/26 Mike King inspected the heater and of course determined it failed and requiring replacement. When submitted to Nationwide, they REQUIRED service and maintenance records on the heater which I sent.

Firday, 8/29 they denied my claim for insufficient maintenance records. I still did not have hot water, 8 days post claim reporting. They could not give me any specfic reason. I NEVER recieved any calls from them... I had to proactively follow up on ever step of the process. This is the second claim I submitted that was denied for the same reason, insufficient maintenance.

I have also paid out of pocket to have a small part on my microway replaced and my cook top serviced because the process twice has been so stressful and the company is not proactive, empathetic to the appliance crisis or customer service oriented. There is also false advertising, mispresentation of services and now I believe no good faith in fulfilling contracture obligations.

Replacement value and labor for the new hot water heater I had to pay out of pocket, $1125.00. Reimbursement for the microwave/convection oven maintenance/repair, $149.95 (replace magnetron tube) and the repair on my cook top (replace raise/lower switch and replace gear motor), 431.37. All are covered per the contract. I would also like to be release from any contracture obligations to Nationwide and cancel the contract. I would like all legal expenses and filing charges covered.

The individual I dealt with not only showed up 1 hour and 15 minutes late but did nto even o under the house to inpect the damage properly. I was given the run around and when I told the supervisor that I was covered she stated that I was not covered and that I had a flood. I told her it was nto a flood but an over flow of a storm drain, she then stated that I had ot purchase that seperately, after I asked where in my policy it stated that I had to buy that separatedly I grew frustrated with her inability to justify her lies and hung up. I ended up cancelling my policy the same day and switched companies. This is the worse compoany I have ever dealt with.

I have now have to pay approximately $7,000 in repairs out of my pocket. I see now what the poor people in NewOrleans went through, another Katrina but this time in Fayetteville, NC.

Nationwide Insurance in Charlotte, NC. has pushed my buttons. I have homeowners that automatically insures me for $12,000.00 for guns, while my wife has to keep any jewelery over $1,200.00 in a bank deposit box! We were told if we want to insure her jewelery we could have it covered for an additional cost.

We had to get a bank safety deposit box which cost around $60.00 per year. We were also told to contact the Insurance Commission or whoever makes the rules to change said policy. Give me a break!

I had a small fire in my garage. I panicked and called the insurance company for them to come and look at the damages and give me an estimate of repairs. While they were out, I had a previous repair looked at, and got an estimate for internal repairs from a leak. Well, needless to say, my policy was cancelled, and I cannot get insurance anywhere without paying way high, triple the cost, because of these estimates. I had the mortgage company slap on insurance and they don't cover ANYTHING! All that Nationwide could say to me was they were sorry for the inconvience, but you have to be claim free for 3 years, and it stays on your record, so no one else will take you. I did not have one cent of the companies money for the repairs I HAD DONE, and they can't reinstate me, not that I would have it now anyways, but they have scarred us for having any insurance within a reasonable price.

I have to pay $5000.00 a year for a policy that doesn't cover anything but the house. I have more value inside then the house is worth.

I was told my insurance was being non-renewed because of my dog (a rottweiler). I have been insured with Nationwide insurance for about 10 years.I have owend my dog for almost 8 years. He has arthritis in his hips and he stays inside most of the time. My yard is fenced and my property is kind of remote.

I believe I am being non-renewed because of hurricanes in Florida and they don't want to insure me. I have only filled 2 claims in ten years, both due to hurricanes.

I never had a problem until I filed a claim - isn't that special!?!