Step-by-step guide to filing a claim with Nationwide Insurance
Filing a claim doesn’t have to be stressful. With the right prep and a simple checklist, you can move from incident to payout efficiently—and avoid common slowdowns along the way.
This walkthrough covers what to collect first, how to file (web, app, or phone), and what to expect from adjusters. Keep your claim number handy and respond quickly to any requests.
Understand the Nationwide claims flow
Start by documenting the incident—photos/video, dates, locations, and any reports. List damaged items and approximate values. For auto, note the other driver’s details; for property, take steps to prevent further damage and save those receipts.
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What to do first: make sure everyone is safe, call authorities if needed, and document before moving items. Take reasonable steps to prevent further damage and keep receipts—those are usually considered in settlement.
How to file: report 24/7 via Nationwide.com, the mobile app, or by phone. Have your policy number, incident date/time/location, other parties’ info, and a brief description ready. Upload photos, reports, and estimates to speed review.
After submission: you’ll receive a claim number and an adjuster assignment. They may schedule a vehicle inspection, a virtual home assessment, or an in-person visit. For auto, ask about rental reimbursement and direct-repair options; for property, confirm additional living expense (ALE) if your home is uninhabitable.
Payments & next steps: settlements reflect coverage limits and deductibles. If another party is at fault, subrogation may recover your deductible later. Use the app/portal to track status and exchange documents.
Keep copies of everything: estimates, invoices, and messages. Don’t dispose of damaged items until the adjuster documents them. If something seems off in your estimate, ask for a line-by-line explanation—supplemental payments are common when new damage is found.
While your claim is open, review discounts and bundles so the renewal lands at a better price point—see ways to maximize Nationwide discounts and consider home + auto.
Frequently asked questions
How long will it take?
It depends on complexity and parts availability; straightforward claims can wrap in weeks, complex property losses longer.
Can I track status online?
Yes—the portal and app show milestones, documents, and messages with your adjuster.
What if my claim is denied?
You can appeal with additional documentation, contractor opinions, or photos; ask exactly which policy clause was used.