{"id":"nationwide","page":"https://escalate.alexgaoth.com/#/c/nationwide","html":"https://escalate.alexgaoth.com/c/nationwide/","generated":"2026-10-15","company":{"id":"nationwide","name":"Nationwide","aliases":["nationwide insurance","nationwide mutual","nationwide mutual insurance company","harleysville","harleysville insurance"],"sector":"insurance_property","website":"https://www.nationwide.com","account_url":"https://www.nationwide.com/my-account-login","regulators":[],"channels":[{"id":"claims-phone","type":"phone","label":"File a claim or reach the claims professional (auto and property)","value":"+1-800-421-3535","hours":"Anytime","purposes":["claim_denial","claim_delay"],"access":"open","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"},{"id":"customer-service-phone","type":"phone","label":"Auto and property insurance service","value":"+1-877-669-6877","purposes":["bill_increase","billing_error","cancel_service","poor_service"],"notes":"The same number is listed for sales, 9 a.m.-8 p.m. ET weekdays.","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"},{"id":"customer-relations-phone","type":"phone","label":"Office of Customer Relations","value":"+1-888-999-2018","hours":"8 a.m.-6 p.m. ET weekdays","purposes":["claim_denial","claim_delay","billing_error","poor_service"],"source":"https://www.nationwide.com/personal/about-us/customer-advocate/","last_verified":"2026-10-12"},{"id":"customer-relations-email","type":"email","label":"Office of Customer Relations email","value":"OCR@nationwide.com","purposes":["claim_denial","claim_delay","billing_error","poor_service"],"notes":"Customer Relations helps resolve concerns about a policy, a statement or a claim in any area of Nationwide.","source":"https://www.nationwide.com/personal/about-us/customer-advocate/","last_verified":"2026-10-12"},{"id":"harleysville-personal-phone","type":"phone","label":"Harleysville Personal Lines Service Center","value":"+1-888-772-6837","hours":"8 a.m.-5 p.m. ET weekdays","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"},{"id":"claims-online","type":"web_form","label":"File an auto claim online","value":"https://claimsselfservice.nationwide.com/claims/index.html#/file-claim","source":"https://www.nationwide.com/personal/contact/","last_verified":"2026-10-12"},{"id":"property-claims-online","type":"web_form","label":"File a homeowners, condo or renters claim online","value":"https://claimsservicing.nationwide.com/fileclaim/info/property-intro","notes":"Have the policy number, claim type (wind, water, fire, theft) and a description of the damage.","source":"https://www.nationwide.com/personal/insurance/claims/property-claims/","last_verified":"2026-10-12"},{"id":"claim-status","type":"portal","label":"Check the status of an auto, homeowners or renters claim","value":"https://claimsselfservice.nationwide.com/claims/index.html#/express-login","purposes":["claim_delay","claim_denial"],"access":"login","source":"https://www.nationwide.com/personal/insurance/claims/","last_verified":"2026-10-12"}],"escalation":[{"rung":"frontline","channel":"claims-phone","note":"Or the assigned claims associate."},{"rung":"supervisor","note":"Ask for the claims associate's manager."},{"rung":"written_complaint","channel":"customer-relations-email","note":"Office of Customer Relations. Ask for the denial and the policy language it relies on, in writing."},{"rung":"state_agency","agency_kind":"insurance_department"},{"rung":"arbitration","note":"Many policies have an appraisal clause for disputes about the amount of a loss. Check the policy."},{"rung":"small_claims"}],"playbooks":[{"issue":"claim_denial","summary":"Ask the claims associate for the reason in writing, then take it to the Office of Customer Relations and the state.","evidence":["claim number","policy number","denial letter","estimates and payment summaries from the portal","photos","receipts"],"steps":[{"do":"Log in and review the estimates and payment summaries. Ask the claims associate for the reason and the policy language.","channel":"claim-status"},{"do":"Call the claims line and ask for a review by the associate's manager.","channel":"claims-phone"},{"do":"Email the Office of Customer Relations with the claim number, the decision and your evidence.","channel":"customer-relations-email"},{"do":"If you disagree only about the amount, check the policy for an appraisal provision."},{"do":"File a complaint with your state insurance department."}]},{"issue":"claim_delay","summary":"Find the claims associate online or by phone, then escalate to Customer Relations.","evidence":["claim number","dates of each contact","documents sent"],"steps":[{"do":"Log in and open Claims under the policy to get the name and phone number of the claims professional. Upload missing photos and documents.","channel":"claim-status"},{"do":"Call the claims line if you cannot find the associate.","channel":"claims-phone"},{"do":"Contact the Office of Customer Relations if the claim still does not move.","channel":"customer-relations-phone"},{"do":"File a complaint with your state insurance department."}],"facts":[{"kind":"contact","claim":"To get the name and phone number of the professional handling your claim, log in and click Claims under the policy, or call 1-800-421-3535.","issues":["claim_delay"],"source":"https://www.nationwide.com/personal/insurance/claims/faq/","last_verified":"2026-10-12"}]},{"issue":"bill_increase","summary":"Ask service or the agent what changed and what discounts apply.","evidence":["prior declarations page","renewal declarations page","recent claims and accidents"],"steps":[{"do":"Compare the old and new declarations pages and note any claim or accident in the term."},{"do":"Ask service why the premium changed and which discounts or deductible options apply.","channel":"customer-service-phone"}],"facts":[{"kind":"policy","claim":"Nationwide states that in most states you likely won't see your premium go up if someone else is to blame for an accident; in no-fault states an increase is possible, based on driving history, severity and fault.","issues":["bill_increase"],"source":"https://www.nationwide.com/personal/insurance/claims/faq/","last_verified":"2026-10-12"}]}],"known_blockers":["Claim status, estimates and the claims associate's contact details need sign-in.","The contact pages list two different roadside numbers; confirm on the ID card or in the app."],"notes":"Harleysville and Private Client policies have separate service lines on the call-us page. Business claims use 1-800-421-3535 as well.","official_domains":["nationwide.com"],"security":{"never_asks":[{"kind":"policy","claim":"Nationwide will never ask for your password, verification code or full Social Security number in an email or text message.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Nationwide will never urgently demand payment or threaten to close your account.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Nationwide will never ask you to click a suspicious link or download an attachment to verify your information.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}],"known_scams":[{"kind":"policy","claim":"Scammers impersonate Nationwide to get people to share information or click malicious links. A message from an unknown or 10-digit number that claims to be Nationwide is a red flag.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Fake Nationwide messages contain links that do not match official Nationwide or plan-specific websites.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Impersonators ask for confidential information by text, call or email. Their messages can show poor grammar, unusual formatting or a misspelled company name.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}],"report_phishing":[{"id":"protect-email","type":"email","label":"Report a suspicious email, text, call, letter or website that claims to be Nationwide","value":"protect@nationwide.com","notes":"Nationwide asks for the date and time received, the phone number or sender, a screenshot, and the website URL if there is one.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"id":"fraud-helpline","type":"phone","label":"Nationwide fraud helpline","value":"+1-800-474-7633","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}]}},"playbooks":{"claim_denial":{"company":{"id":"nationwide","name":"Nationwide","sector":"insurance_property","website":"https://www.nationwide.com","account_url":"https://www.nationwide.com/my-account-login"},"issue":{"id":"claim_denial","name":"Insurance claim denied"},"playbook_source":"company","summary":"Ask the claims associate for the reason in writing, then take it to the Office of Customer Relations and the state.","evidence":["claim number","policy number","denial letter","estimates and payment summaries from the portal","photos","receipts"],"steps":[{"do":"Log in and review the estimates and payment summaries. Ask the claims associate for the reason and the policy language.","channel":{"id":"claim-status","type":"portal","label":"Check the status of an auto, homeowners or renters claim","value":"https://claimsselfservice.nationwide.com/claims/index.html#/express-login","purposes":["claim_delay","claim_denial"],"access":"login","source":"https://www.nationwide.com/personal/insurance/claims/","last_verified":"2026-10-12"}},{"do":"Call the claims line and ask for a review by the associate's manager.","channel":{"id":"claims-phone","type":"phone","label":"File a claim or reach the claims professional (auto and property)","value":"+1-800-421-3535","hours":"Anytime","purposes":["claim_denial","claim_delay"],"access":"open","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"}},{"do":"Email the Office of Customer Relations with the claim number, the decision and your evidence.","channel":{"id":"customer-relations-email","type":"email","label":"Office of Customer Relations email","value":"OCR@nationwide.com","purposes":["claim_denial","claim_delay","billing_error","poor_service"],"notes":"Customer Relations helps resolve concerns about a policy, a statement or a claim in any area of Nationwide.","source":"https://www.nationwide.com/personal/about-us/customer-advocate/","last_verified":"2026-10-12"}},{"do":"If you disagree only about the amount, check the policy for an appraisal provision."},{"do":"File a complaint with your state insurance department."}],"channels":[{"id":"claims-phone","type":"phone","label":"File a claim or reach the claims professional (auto and property)","value":"+1-800-421-3535","hours":"Anytime","purposes":["claim_denial","claim_delay"],"access":"open","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"},{"id":"customer-relations-phone","type":"phone","label":"Office of Customer Relations","value":"+1-888-999-2018","hours":"8 a.m.-6 p.m. ET weekdays","purposes":["claim_denial","claim_delay","billing_error","poor_service"],"source":"https://www.nationwide.com/personal/about-us/customer-advocate/","last_verified":"2026-10-12"},{"id":"customer-relations-email","type":"email","label":"Office of Customer Relations email","value":"OCR@nationwide.com","purposes":["claim_denial","claim_delay","billing_error","poor_service"],"notes":"Customer Relations helps resolve concerns about a policy, a statement or a claim in any area of Nationwide.","source":"https://www.nationwide.com/personal/about-us/customer-advocate/","last_verified":"2026-10-12"},{"id":"harleysville-personal-phone","type":"phone","label":"Harleysville Personal Lines Service Center","value":"+1-888-772-6837","hours":"8 a.m.-5 p.m. ET weekdays","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"},{"id":"claims-online","type":"web_form","label":"File an auto claim online","value":"https://claimsselfservice.nationwide.com/claims/index.html#/file-claim","source":"https://www.nationwide.com/personal/contact/","last_verified":"2026-10-12"},{"id":"property-claims-online","type":"web_form","label":"File a homeowners, condo or renters claim online","value":"https://claimsservicing.nationwide.com/fileclaim/info/property-intro","notes":"Have the policy number, claim type (wind, water, fire, theft) and a description of the damage.","source":"https://www.nationwide.com/personal/insurance/claims/property-claims/","last_verified":"2026-10-12"},{"id":"claim-status","type":"portal","label":"Check the status of an auto, homeowners or renters claim","value":"https://claimsselfservice.nationwide.com/claims/index.html#/express-login","purposes":["claim_delay","claim_denial"],"access":"login","source":"https://www.nationwide.com/personal/insurance/claims/","last_verified":"2026-10-12"}],"facts":[],"rules":{"in_force":[],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","note":"Or the assigned claims associate.","channel":{"id":"claims-phone","type":"phone","label":"File a claim or reach the claims professional (auto and property)","value":"+1-800-421-3535","hours":"Anytime","purposes":["claim_denial","claim_delay"],"access":"open","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"}},{"index":1,"rung":"supervisor","note":"Ask for the claims associate's manager.","candidate_channels":[]},{"index":2,"rung":"written_complaint","note":"Office of Customer Relations. Ask for the denial and the policy language it relies on, in writing.","channel":{"id":"customer-relations-email","type":"email","label":"Office of Customer Relations email","value":"OCR@nationwide.com","purposes":["claim_denial","claim_delay","billing_error","poor_service"],"notes":"Customer Relations helps resolve concerns about a policy, a statement or a claim in any area of Nationwide.","source":"https://www.nationwide.com/personal/about-us/customer-advocate/","last_verified":"2026-10-12"}},{"index":3,"rung":"state_agency","agency_kind":"insurance_department","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"arbitration","note":"Many policies have an appraisal clause for disputes about the amount of a loss. Check the policy."},{"index":5,"rung":"small_claims"}],"known_blockers":["Claim status, estimates and the claims associate's contact details need sign-in.","The contact pages list two different roadside numbers; confirm on the ID card or in the app."],"security":{"official_domains":["nationwide.com"],"never_asks":[{"kind":"policy","claim":"Nationwide will never ask for your password, verification code or full Social Security number in an email or text message.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Nationwide will never urgently demand payment or threaten to close your account.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Nationwide will never ask you to click a suspicious link or download an attachment to verify your information.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}],"known_scams":[{"kind":"policy","claim":"Scammers impersonate Nationwide to get people to share information or click malicious links. A message from an unknown or 10-digit number that claims to be Nationwide is a red flag.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Fake Nationwide messages contain links that do not match official Nationwide or plan-specific websites.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Impersonators ask for confidential information by text, call or email. Their messages can show poor grammar, unusual formatting or a misspelled company name.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}],"report_phishing":[{"id":"protect-email","type":"email","label":"Report a suspicious email, text, call, letter or website that claims to be Nationwide","value":"protect@nationwide.com","notes":"Nationwide asks for the date and time received, the phone number or sender, a screenshot, and the website URL if there is one.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"id":"fraud-helpline","type":"phone","label":"Nationwide fraud helpline","value":"+1-800-474-7633","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":18},"verified_from":{"page":18},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 18 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Harleysville and Private Client policies have separate service lines on the call-us page. Business claims use 1-800-421-3535 as well.","warnings":[]},"claim_delay":{"company":{"id":"nationwide","name":"Nationwide","sector":"insurance_property","website":"https://www.nationwide.com","account_url":"https://www.nationwide.com/my-account-login"},"issue":{"id":"claim_delay","name":"Insurance claim delayed"},"playbook_source":"company","summary":"Find the claims associate online or by phone, then escalate to Customer Relations.","evidence":["claim number","dates of each contact","documents sent"],"steps":[{"do":"Log in and open Claims under the policy to get the name and phone number of the claims professional. Upload missing photos and documents.","channel":{"id":"claim-status","type":"portal","label":"Check the status of an auto, homeowners or renters claim","value":"https://claimsselfservice.nationwide.com/claims/index.html#/express-login","purposes":["claim_delay","claim_denial"],"access":"login","source":"https://www.nationwide.com/personal/insurance/claims/","last_verified":"2026-10-12"}},{"do":"Call the claims line if you cannot find the associate.","channel":{"id":"claims-phone","type":"phone","label":"File a claim or reach the claims professional (auto and property)","value":"+1-800-421-3535","hours":"Anytime","purposes":["claim_denial","claim_delay"],"access":"open","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"}},{"do":"Contact the Office of Customer Relations if the claim still does not move.","channel":{"id":"customer-relations-phone","type":"phone","label":"Office of Customer Relations","value":"+1-888-999-2018","hours":"8 a.m.-6 p.m. ET weekdays","purposes":["claim_denial","claim_delay","billing_error","poor_service"],"source":"https://www.nationwide.com/personal/about-us/customer-advocate/","last_verified":"2026-10-12"}},{"do":"File a complaint with your state insurance department."}],"channels":[{"id":"claims-phone","type":"phone","label":"File a claim or reach the claims professional (auto and property)","value":"+1-800-421-3535","hours":"Anytime","purposes":["claim_denial","claim_delay"],"access":"open","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"},{"id":"customer-relations-phone","type":"phone","label":"Office of Customer Relations","value":"+1-888-999-2018","hours":"8 a.m.-6 p.m. ET weekdays","purposes":["claim_denial","claim_delay","billing_error","poor_service"],"source":"https://www.nationwide.com/personal/about-us/customer-advocate/","last_verified":"2026-10-12"},{"id":"customer-relations-email","type":"email","label":"Office of Customer Relations email","value":"OCR@nationwide.com","purposes":["claim_denial","claim_delay","billing_error","poor_service"],"notes":"Customer Relations helps resolve concerns about a policy, a statement or a claim in any area of Nationwide.","source":"https://www.nationwide.com/personal/about-us/customer-advocate/","last_verified":"2026-10-12"},{"id":"harleysville-personal-phone","type":"phone","label":"Harleysville Personal Lines Service Center","value":"+1-888-772-6837","hours":"8 a.m.-5 p.m. ET weekdays","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"},{"id":"claims-online","type":"web_form","label":"File an auto claim online","value":"https://claimsselfservice.nationwide.com/claims/index.html#/file-claim","source":"https://www.nationwide.com/personal/contact/","last_verified":"2026-10-12"},{"id":"property-claims-online","type":"web_form","label":"File a homeowners, condo or renters claim online","value":"https://claimsservicing.nationwide.com/fileclaim/info/property-intro","notes":"Have the policy number, claim type (wind, water, fire, theft) and a description of the damage.","source":"https://www.nationwide.com/personal/insurance/claims/property-claims/","last_verified":"2026-10-12"},{"id":"claim-status","type":"portal","label":"Check the status of an auto, homeowners or renters claim","value":"https://claimsselfservice.nationwide.com/claims/index.html#/express-login","purposes":["claim_delay","claim_denial"],"access":"login","source":"https://www.nationwide.com/personal/insurance/claims/","last_verified":"2026-10-12"}],"facts":[{"kind":"contact","claim":"To get the name and phone number of the professional handling your claim, log in and click Claims under the policy, or call 1-800-421-3535.","issues":["claim_delay"],"source":"https://www.nationwide.com/personal/insurance/claims/faq/","last_verified":"2026-10-12"}],"rules":{"in_force":[],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","note":"Or the assigned claims associate.","channel":{"id":"claims-phone","type":"phone","label":"File a claim or reach the claims professional (auto and property)","value":"+1-800-421-3535","hours":"Anytime","purposes":["claim_denial","claim_delay"],"access":"open","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"}},{"index":1,"rung":"supervisor","note":"Ask for the claims associate's manager.","candidate_channels":[]},{"index":2,"rung":"written_complaint","note":"Office of Customer Relations. 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A message from an unknown or 10-digit number that claims to be Nationwide is a red flag.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Fake Nationwide messages contain links that do not match official Nationwide or plan-specific websites.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Impersonators ask for confidential information by text, call or email. Their messages can show poor grammar, unusual formatting or a misspelled company name.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}],"report_phishing":[{"id":"protect-email","type":"email","label":"Report a suspicious email, text, call, letter or website that claims to be Nationwide","value":"protect@nationwide.com","notes":"Nationwide asks for the date and time received, the phone number or sender, a screenshot, and the website URL if there is one.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"id":"fraud-helpline","type":"phone","label":"Nationwide fraud helpline","value":"+1-800-474-7633","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":18},"verified_from":{"page":18},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 18 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Harleysville and Private Client policies have separate service lines on the call-us page. Business claims use 1-800-421-3535 as well.","warnings":[]},"bill_increase":{"company":{"id":"nationwide","name":"Nationwide","sector":"insurance_property","website":"https://www.nationwide.com","account_url":"https://www.nationwide.com/my-account-login"},"issue":{"id":"bill_increase","name":"Bill went up"},"playbook_source":"company","summary":"Ask service or the agent what changed and what discounts apply.","evidence":["prior declarations page","renewal declarations page","recent claims and accidents"],"steps":[{"do":"Compare the old and new declarations pages and note any claim or accident in the term."},{"do":"Ask service why the premium changed and which discounts or deductible options apply.","channel":{"id":"customer-service-phone","type":"phone","label":"Auto and property insurance service","value":"+1-877-669-6877","purposes":["bill_increase","billing_error","cancel_service","poor_service"],"notes":"The same number is listed for sales, 9 a.m.-8 p.m. ET weekdays.","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"}}],"channels":[{"id":"customer-service-phone","type":"phone","label":"Auto and property insurance service","value":"+1-877-669-6877","purposes":["bill_increase","billing_error","cancel_service","poor_service"],"notes":"The same number is listed for sales, 9 a.m.-8 p.m. ET weekdays.","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"},{"id":"harleysville-personal-phone","type":"phone","label":"Harleysville Personal Lines Service Center","value":"+1-888-772-6837","hours":"8 a.m.-5 p.m. ET weekdays","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"},{"id":"claims-online","type":"web_form","label":"File an auto claim online","value":"https://claimsselfservice.nationwide.com/claims/index.html#/file-claim","source":"https://www.nationwide.com/personal/contact/","last_verified":"2026-10-12"},{"id":"property-claims-online","type":"web_form","label":"File a homeowners, condo or renters claim online","value":"https://claimsservicing.nationwide.com/fileclaim/info/property-intro","notes":"Have the policy number, claim type (wind, water, fire, theft) and a description of the damage.","source":"https://www.nationwide.com/personal/insurance/claims/property-claims/","last_verified":"2026-10-12"}],"facts":[{"kind":"policy","claim":"Nationwide states that in most states you likely won't see your premium go up if someone else is to blame for an accident; in no-fault states an increase is possible, based on driving history, severity and fault.","issues":["bill_increase"],"source":"https://www.nationwide.com/personal/insurance/claims/faq/","last_verified":"2026-10-12"}],"rules":{"in_force":[],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","note":"Or the assigned claims associate.","channel":{"id":"claims-phone","type":"phone","label":"File a claim or reach the claims professional (auto and property)","value":"+1-800-421-3535","hours":"Anytime","purposes":["claim_denial","claim_delay"],"access":"open","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"}},{"index":1,"rung":"supervisor","note":"Ask for the claims associate's manager.","candidate_channels":[]},{"index":2,"rung":"written_complaint","note":"Office of Customer Relations. Ask for the denial and the policy language it relies on, in writing.","channel":{"id":"customer-relations-email","type":"email","label":"Office of Customer Relations email","value":"OCR@nationwide.com","purposes":["claim_denial","claim_delay","billing_error","poor_service"],"notes":"Customer Relations helps resolve concerns about a policy, a statement or a claim in any area of Nationwide.","source":"https://www.nationwide.com/personal/about-us/customer-advocate/","last_verified":"2026-10-12"}},{"index":3,"rung":"state_agency","agency_kind":"insurance_department","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"arbitration","note":"Many policies have an appraisal clause for disputes about the amount of a loss. Check the policy."},{"index":5,"rung":"small_claims"}],"known_blockers":["Claim status, estimates and the claims associate's contact details need sign-in.","The contact pages list two different roadside numbers; confirm on the ID card or in the app."],"security":{"official_domains":["nationwide.com"],"never_asks":[{"kind":"policy","claim":"Nationwide will never ask for your password, verification code or full Social Security number in an email or text message.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Nationwide will never urgently demand payment or threaten to close your account.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Nationwide will never ask you to click a suspicious link or download an attachment to verify your information.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}],"known_scams":[{"kind":"policy","claim":"Scammers impersonate Nationwide to get people to share information or click malicious links. A message from an unknown or 10-digit number that claims to be Nationwide is a red flag.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Fake Nationwide messages contain links that do not match official Nationwide or plan-specific websites.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Impersonators ask for confidential information by text, call or email. Their messages can show poor grammar, unusual formatting or a misspelled company name.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}],"report_phishing":[{"id":"protect-email","type":"email","label":"Report a suspicious email, text, call, letter or website that claims to be Nationwide","value":"protect@nationwide.com","notes":"Nationwide asks for the date and time received, the phone number or sender, a screenshot, and the website URL if there is one.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"id":"fraud-helpline","type":"phone","label":"Nationwide fraud helpline","value":"+1-800-474-7633","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":18},"verified_from":{"page":18},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 18 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Harleysville and Private Client policies have separate service lines on the call-us page. Business claims use 1-800-421-3535 as well.","warnings":[]}},"escalation":[{"index":0,"rung":"frontline","note":"Or the assigned claims associate.","channel":{"id":"claims-phone","type":"phone","label":"File a claim or reach the claims professional (auto and property)","value":"+1-800-421-3535","hours":"Anytime","purposes":["claim_denial","claim_delay"],"access":"open","source":"https://www.nationwide.com/personal/contact/call-us/","last_verified":"2026-10-12"}},{"index":1,"rung":"supervisor","note":"Ask for the claims associate's manager.","candidate_channels":[]},{"index":2,"rung":"written_complaint","note":"Office of Customer Relations. Ask for the denial and the policy language it relies on, in writing.","channel":{"id":"customer-relations-email","type":"email","label":"Office of Customer Relations email","value":"OCR@nationwide.com","purposes":["claim_denial","claim_delay","billing_error","poor_service"],"notes":"Customer Relations helps resolve concerns about a policy, a statement or a claim in any area of Nationwide.","source":"https://www.nationwide.com/personal/about-us/customer-advocate/","last_verified":"2026-10-12"}},{"index":3,"rung":"state_agency","agency_kind":"insurance_department","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"arbitration","note":"Many policies have an appraisal clause for disputes about the amount of a loss. Check the policy."},{"index":5,"rung":"small_claims"}],"security":{"official_domains":["nationwide.com"],"never_asks":[{"kind":"policy","claim":"Nationwide will never ask for your password, verification code or full Social Security number in an email or text message.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Nationwide will never urgently demand payment or threaten to close your account.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Nationwide will never ask you to click a suspicious link or download an attachment to verify your information.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}],"known_scams":[{"kind":"policy","claim":"Scammers impersonate Nationwide to get people to share information or click malicious links. A message from an unknown or 10-digit number that claims to be Nationwide is a red flag.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Fake Nationwide messages contain links that do not match official Nationwide or plan-specific websites.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Impersonators ask for confidential information by text, call or email. Their messages can show poor grammar, unusual formatting or a misspelled company name.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}],"report_phishing":[{"id":"protect-email","type":"email","label":"Report a suspicious email, text, call, letter or website that claims to be Nationwide","value":"protect@nationwide.com","notes":"Nationwide asks for the date and time received, the phone number or sender, a screenshot, and the website URL if there is one.","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"},{"id":"fraud-helpline","type":"phone","label":"Nationwide fraud helpline","value":"+1-800-474-7633","source":"https://www.nationwide.com/personal/cyber-security/report-fraud/","last_verified":"2026-10-12"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":18},"verified_from":{"page":18},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 18 sources are the organization's own pages or government sites.","dossier_last_verified":null},"dossier":null,"guide":{"key":"insurance_property","title":"Auto, home and renters insurance — how complaints work","last_verified":"2026-10-12","file":"guides/insurance_property.md","page":"https://escalate.alexgaoth.com/#/guides/insurance_property"}}