Nationwide - Homeowners Reviews

When I called Nationwide to report a chimney fire at my home they said I should have Servepro come and inspect before requesting help from Nationwide. They did not offer alternative housing, and my policy covered this. They did not suggest we evacuate the home and did not bother to come to our home until Monday when the fire occurred on Wed. night.

I called Nationwide regarding some questions about my policy. I was told that my policy was canceled and the reason given was that the policy had been rewritten. No explanation and no warning was given. Supposedly, they send me letters of the changes which I never received. I was without homeowners insurance for 11 months. After being with Nationwide for 20 years, I cancelled my entire insurance package with them. Their attitude was so uncaring about my situation that it was very upsetting. Nationwide is not in our side.

I received my annual disclosure statement from my mortgage company, said my payment was going up $300 a month. In the research, I discovered my premium is going from $963 a year to $2369 a year. Outrageous!!! I called. They said my rating had changed in regard to the distance from a fire station. I live less than 10 miles from 3 fire stations. I've lived here 8 years and have never made a claim. Why did it change???? They should be ashamed of themselves. Needless to say, I'm contacting other companies.

I purchased Nationwide homeowner's insurance in 1997. In 2012, I had a kitchen fire. After a long day 8+ hours at work, I wanted some fried chicken. While waiting for the grease to get hot, I sat on the bed and fell asleep. The smell of smoke woke me up. I ran to the kitchen and seeing the fire, I began to fight the fire. After all said and done, I ended up with major damage to the kitchen and smoke damage to the rest of the house. I now know, when I'm tired to stop and get dinner. What I don't understand is why my Nationwide canceled my insurance.

This is the most outrageous story I think you'll read... Just dumbfounded... (can't believe it after 20 years). My wife and I bought our house 20 years ago and of course like everyone one else, we needed to buy Homeowners Insurance and bring the policy to the settlement table. Well the Nationwide Policy looked fine, and you figure Homeowner's includes fire right? WRONG! So here's what happened about a week ago in 2013... I received an $80 increase in a letter regarding the Homeowners Policy. When I called and asked our agent, he said we did not have fire insurance and now we would be covered. I said "You mean to tell me we didn't have fire coverage for our home for 20 years???" He just replied very matter of fact. "That's right, you were not covered by fire". I just said "have a good day" and the wife and I are now with a different company. Also their Homeowners was over $1000 a year and now we have more coverage and our payment is in $480 a year. Sorry, Nationwide, but people need to know. Thanks for listening.

Was rushed by CFP & now ex-spouse to place $136,000 of disabled child's funds into investment with 12 percent return. And sign up with money management firm, Keystone Capital Management, Inc. Months later, realized this was not mutual funds but insurance policy, with $126,000 commission, and paying 2.65 percent daily to SIA, with CFP receiving 60 percent of that. Long story short, no one at Nationwide could explain to me what this was, or how suitable for a very hurt child. Insurance Commissioner for MD investigated, but nothing happened. Finally, got out of this thing after $99,000 premiums and $50,000 to Keystone. And ending 30 years marriage. CFP still in business "no claims!" Nothing ever from Nationwide about anything. Avoid these clowns!

In February 2013, we had a fire that started in a ceiling light in an upstairs bath. I was recovering from a stroke and unable to climb the stairs so I was downstairs, the only one home at the time. Had gone outside to meet wife and saw smoke in the eaves, FD called. Firemen on the scene said the fire definitely started in the light and burned somewhat into the attic floor. Nationwide investigator said fire was started in the attic. However no "burn through" as far as the roof. My estimates were given to Nationwide totaling $78K damage (5,000 sf home), mostly water damage. They have dragged this on to a point that we must meet in court to prove our innocence. The claims adjuster stated that, "The fire burned DOWN". Well versed in physics, I find his theory impossible. I will never use Nationwide again. We have been with the company since 1968 and no claims. They are the worst.

We filed a wind damage claim last summer and this summer they dropped us. How can an ins. co. drop a customer because of wind damage claim? We expected our premiums to go up but to drop us??

We specialize in hail damage and wind damage to roofs. Our warehouse testing includes shooting all types of hail, size, shape, and density. The hail we use is made in a freezer and we use all types of roof shingles, siding metals, and other materials. We also take our samples and age them before and after, so we can find out how to age the hail strike and wind damage. Some materials are very easy and others are hard, so we know what hail damage to a roof looks like. Hail comes down from the sky. It’s funny sometimes because you can watch a hail storm and your house and the house next to you are getting pelted with 1/2 to 1.5, but across your street there is very little falling.

Nationwide added an ordinance and law coverage on my policy which resulted in a very large increase in the payment. When I called them to question this added coverage, they could not explain it to me and gave me the runaround. Sorry to say, but after 25 years, I will be leaving and would not use Nationwide! Beware and watch your escrow account!

Two years ago my farm was hit by the tornado that ripped through Mayflower and then went on to destroy Vilonia. My insurance company is Nationwide Insurance and they have yet to pay the claim. I have an estimated damage of over $700,000. I have made 10s of thousands of dollars in repairs myself just to keep the farm from totally deteriorating. I am a widow and I feel that Nationwide Insurance is taking advantage of not just me but I feel other people also. I have an attorney and we have a court date, but before we can get to court, I have run out of cash and cannot afford to continue to make the costly repairs on my property. I am turning to the media as a last resort to get some help or direction. Thank you if you can offer any coverage.

I have been with Travelers for 20 years. They’re a wonderful company. They even allowed me to file for hail damage on my roof. I decided in 2013 to go with Nationwide to save $200 on my car and HO. Nationwide has been a nightmare. I filled all the paperwork and they issued both policies. They even sent out an inspector for my home. Two weeks later, they asked for pictures and a survey for a wood burning fireplace/stove that had been installed by a company and later inspected by my city inspector. I told them I did not own a camera, but would go out and buy a disposable one for this use as I am older and low tech (no computer at home). I was not fast enough for their request, and they canceled me. My phone agent took a mental leave of absence from his job. I think he was so upset. I wish I had found this site before I tried to go with them. They are not on your side!

They were not on my side. This has been a nightmare! I received a notice in the mail stating that they were cancelling my homeowner's policy that I have had 1 year. I purchased it when I bought my home because I already had auto insurance with them and I liked the price. One year later, they cancelled after charging my mortgage co. over 1000 dollars, really? Their reason was something on my credit report. My credit score is 770! Now, I have been waiting for over 2 weeks to get my refund from Nationwide so I can pay the mortgage co. back so my house payment won't go up 150 dollars.

I opened my policy with Nationwide in January '13 and received a cancellation notice in February '13 because the Protection Class for my home was greater than a 9. While I understand that Nationwide has the right to set standards for issuing policies, the information they used when issuing my policy was the same information they used to cancel my policy. If my home which was built in 2011 did not meet their standards in January '13, why did they issue my policy?

I applied for a policy online. When it got approved, they sent me the policy. I liked the price because I am an elderly person on a fixed income and appeared to be saving a little money. So I cancelled my current insurance because they had just raised their rates. About five weeks later, I received a notice of cancellation from Nationwide that they were cancelling my new policy. There were three minor excuses they used for the cancellation so I told them that they will be corrected and kept them informed of the situation. They would not hear of this and insisted that the policy would be cancelled by 1/5/13. Now, I am left with no insurance on my home and God forbid if something should happen, my wife and I would be homeless. Believe me, Nationwide is not on your side.

We just received our annual bill from Nationwide for our HO insurance. They have raised our rate 40% due to a change in the rating that we have for our fire coverage from our county. We have lived here for six years and have been rated a 3 for risk based on a 10-point scale. They have changed our rating to a 10 which means that our fire dept does not meet minimum standards. We live six miles from the fire station and have a hydrant on our property. Our Fire and Rescue Dept is a mixture of professional staff and volunteers. There have been no changes in our fire service. Why would they change the rating after 6 years? I have filed a complaint with the VA State Insurance Commission and challenged this rating directly with Nationwide.

Apparently, Nationwide is leaving the state of Florida. I was just given notice that my auto will not renew on the 10th of January, and my homeowners will not be renewed in Feb. of 2014, due to the fact that they haven't made any money in this state. I don't think they should be able to keep the Nationwide name, as they aren't 'nationwide' any longer. I think they stink. To those affected by Sandy, don't be surprised if they cancel your policy after your payout. That's how they operate.

My family and I were/are victims of hurricane/storm Sandy. I called Nationwide 3 days after the storm to put in a claim. They told me it would take 3 weeks before someone comes out to assess the damage. After numerous calls and threats, I finally got an adjuster to come to my house. We lost approximately a lot in property wind damage and Nationwide is giving us next to nothing! Are they for real? This is a federal disaster. We lost half our home! Shame on Nationwide! I do not advise anyone to get any kind of insurance from this ripoff company. I reported them to the BBB and Consumer Affairs. I also wrote to the CEO of Nationwide, Steve Rasmussen, and complained to him also.

I called Nationwide after hurricane Sandy. I was told that they were so busy that they would get to me with a date for a home adjuster. I waited and waited until I couldn't take it anymore, so I kept calling them and got the runaround. Finally, some nice man told me he will make sure someone comes to my house to assess the damage. $12,000 is not going to cover half for what has to be done. I'm very upset and unhappy with how Nationwide handled my claim.

My home was vandalized by my dogs and it's my kids' responsibility to take care of them. My $6,000.00 claim was denied. No wonder Nationwide is so rich, they never pay claims. I guess that's what to be expected from a cut-rate insurance. They are crooks. Nationwide is the worst insurance you will ever get.

I switched to Nationwide 2 months ago for lower homeowner's insurance rate. Two months went by and I got a phone call. A third party said I had a "biting record" on my German Shepherd! Apparently, when the man came out to take pictures of my house for insurance, we talked and what came out of it was some third party said that I had a vicious dog with a biting history. She said my insurance may be cancelled. After that angry call, she called back saying that I also had a water claim 2 years ago! I said I've only owned the house for 1 year! It made no sense.

I purchased auto insurance for new-leased vehicle in Texas. I purchased homeowners insurance and moved to our new home in Arkansas. I received a notice of intended auto insurance cancellation from Nationwide one month after moving to Arkansas. I received a notice of intended homeowner’s insurance cancellation from Nationwide two months after moving to Arkansas. I contacted Nationwide in both instances. I was given multiple bogus excuses for cancellations both times. The writer above is correct in that no straight answers can be had from these agents.

We have Nationwide Insurance for our homeowners’ coverage. When I went to Puerto Rico for two weeks, my son watched my three rescue dogs for me. He is 21 years old and for the most part did not pay much attention to the dogs. I returned to find my house torn up. My carpet had feces and urine on it so badly that it all has to be replaced. The carpet was chewed in two places and the tile is badly stained. Nationwide came through to do a walk-through and report and denied the claim because they said we were not covered for this. Okay, they told me to file a claim with my ex-husband since my son lives with him and I am now waiting for this to process. But when I called Nationwide, he (Jeff) was extremely cocky and laughed at me then said why should I call this other agent? I had emailed him to send the pictures to State Farm for processing. He reluctantly did send the photos. But as a customer, I don't want to be treated like that and would not recommend this Insurance Company. It is cut rate at best and I will make sure we change companies right away.

On Monday evening, June 25th, 2012, a large tree fell that is on my property. It fell across my fence, across the street and onto my neighbor's fence. It kept the street closed to traffic between 3 and 4 hours. The police were called and they stayed until the electric utility company came, which was about 3 hours later. Both my neighbor and I have homeowner's insurance with different companies. I had heard nothing about my claim from my adjuster (Laura) for over 3 weeks and just last week, I received a call from a man (Steve) stating that he was now the adjuster, would be handling my claim and do the best he could for me. He has only been on the case for a week, however, it has now been one month ago that I filed my claim. I understand that there is a limited amount of time and my tree is leaning!

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 the interview with Nationwide representatives, we conducted an oral interview and oral application of the policy. After the interview and oral application, we requested the status of the application and policy. This happened within 21/2 weeks. We were informed that my husband was approved but more or nothing was concluded on me. We requested it to be put on paper. We contacted them several times by fax so we would have some proof of what was going on. We even had a second meeting with them and even had an over the phone conversation with the CEO of that branch. We have been told by them that the underwriter need this and that, but your husband has been approved. We know that I have been treated unfairly. My husband and I know that I have been treated unfairly under the Fair Practice Act.

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.

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.

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.

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".

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.

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 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.

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 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.

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!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 Insurance hires Lou Perti Plumbing, saying he's a master plumber and they get what they want. They denied a claim even though they can't 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 bought 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 stated 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 3-4 hours of a hose and rain pouring onto it. They denied the claim because they hired a plumber, Lou Perti.

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 premium 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 cannot produce this letter and mail a copy to me, email it or even read it to me over the phone?

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 an $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 fire station. We will be canceling this insurance and going with Farm Bureau which is only $600 a year premium.

My stand alone freezer was not working so they sent someone out to fix it, so now it was working. About two weeks later, I had to call them back. They sent someone out again. The company that they sent out said that they had to call Nationwide about the part. So, the company called me back and said that the part cost too much. I called Nationwide back in. They said that I had to show proof that the freezer is cleaned and maintained. I told them that I clean and maintain the freezer so the person said okay. She put me back on hold, then came back and said that the claim was turned down because it was an existing problem. But it was not an existing 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 called Nationwide whom I had for years. And was told there was nothing they could do because it was a leak and not a broken pipe. Well if the pipe was cracked wouldn't it be broken. It definitely was not a leak.

This is about Nationwide Insurance's lack of customer assistance. Their saying, "On your side," is just the exact opposite of what I have experienced with them. I never made a claim with them in over eight years doing business with these crooks. I recently updated my policy for both my house and car. When they sent me the new contracts, I signed them and sent them back. Then, they tried upping my rates by $40. I didn't have a problem with the money. I had a problem with them sucking me into a lower coverage plan to save me $80 a year and then wanting to jack my cost back up to $40, putting me in a position of lower coverage with no benefits.

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.

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.

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 Insurance Co. here in Wilmington, NC 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. The insurance for flood is North Carolina Underwriters Insurance. Please tell me how to shop for a better deal. 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 or my agent; I just need to know if there is 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 hailstorm!

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.

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.

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.

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.

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 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.