Nationwide - Homeowners

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Nationwide •Homeowners •Auto --- News • Nationwide Cancels 39,000 More Homeowner Policies

Mark of TIGARD, OR June 2, 2009

The Day before Fathers day 2007. Our house flooded. The Toilet in the basement spriket shoot off the pipe and put 2 feet of water in our basement. We had a 250 Deductable. We paid over 16k to have the basement fixed. Everything had just been painted for sale and our first open house was on fathers day. They paid us just under 12k. Leaving me with the balance. Nation Wide 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 excepted the bill paid over 3k+++ for the guy's 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. Nation Wide left us out to dry and could have not cared less about us.

Mrs. Nancy Benson of Wilmington, NC April 13, 2009

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.

Jackie of Arvada, CO April 7, 2009

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!

Lois of Birmingham, AL March 12, 2009

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.

Melissa of Marion, OH March 6, 2009

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.

Jenell O. O'fay of Hope Mills, NC January 19, 2009

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.

Joanne of Cleveland, OH September 18, 2008

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.

Margaret M Sullivan-Rogowski of Media, PA August 29, 2008

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.

Jose L. Perez of Fayetteville, NC August 14, 2008

Nationwide was not on my side! I have had a homeowners policy with this company for over 8years and I finally requested coverage as a storm drain overflowed and water went under my house and now I have mold and mildew in my crawl space. I was told by Nationwide that I was not covered but it clearly states in my policy Section I - Perils Insured Against A2 C5 Mold, fungus or wet rot is covered if hidden or under the house as mine was. It also clearly states that my structure is covered if overflow of water from a STORM DRAIN off the residence. I have pictures of said storm drain behind my residence that overflowed in to my home.

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.

Keith of Charlotte, NC January 11, 2008

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!

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