To file a Nationwide home claim, you can log in to your account and file a property claim online, call Nationwide Claims at 1-800-421-3535 any time, or contact your agent. Have your policy number, phone number and email address ready. A Nationwide claims associate then contacts you to review your policy, decide which damages are covered and plan how to document them.
General information, not legal advice. Integrity Roofing and Painting is a roofing contractor. We are not affiliated with Nationwide and do not file, negotiate or settle claims. Your policy and Nationwide decide coverage.
How to report a home claim to Nationwide
| Channel | Details |
|---|---|
| Phone (any time) | 1-800-421-3535 |
| Online | File a property claim in your Nationwide account |
| Agent | Your Nationwide agent |
| Have ready | Policy number, phone number and/or email address |
What a Nationwide claims associate does
Nationwide’s wind damage page says a claims associate contacts you to determine which damages are covered and to help decide the next steps for documenting damage to your property. From there, some claims may be settled over the phone. Otherwise, the associate may inspect the property and estimate the cost to repair. Any payment is based on the coverage you bought and the severity of the damage, minus your deductible.
If the loss makes the home unlivable, Nationwide says it may help cover additional living expenses.
Nationwide’s storm checklist
Nationwide publishes a practical list for the days after wind or hail:
- Cover openings. If windows, doors or skylights are broken and it is safe, cover them with tarps or plywood to keep rain out. Save every repair receipt.
- Wait on major work. Do not start permanent, major repairs or renovations until you have spoken with your Nationwide claims associate.
- Inventory belongings. Keep damaged items and note brand, price and other details.
- Photograph carefully. Take pictures of damage if it is safe, but let your claims associate or a roofing professional photograph roof damage. Include any photos of the home from before the storm.
- Watch for hazards. If you suspect structural, electrical or gas problems, shut off power, natural gas and propane, or have the utility do it.
- Dress for debris. Nationwide notes that most post-storm homeowner injuries come from exposed nails and broken glass, so wear sturdy shoes, long sleeves and gloves.
Contractors and repairs
Nationwide says you will likely need a contractor or roofer after storm damage. You can choose one from its On Your Side Property Repair Network or find your own. Its fraud tips are worth reading before anyone knocks on your door:
- Be wary of a contractor who shows up unannounced or pushes a now-or-never decision.
- Use only licensed and insured contractors, and check the Better Business Bureau and local licensing.
- Never sign an incomplete contract or one with blank spaces.
- Contractors should not submit insurance claims on your behalf.
- Do not pay or sign completion paperwork until the work is finished.
Nationwide lists the National Insurance Crime Bureau at 1-800-TEL-NICB and the FEMA disaster fraud hotline at 1-866-720-5721 for suspected contractor fraud.
These tips line up with state law in both our markets. Colorado requires a written roofing contract with specific terms, and Texas bars a contractor from acting as a public adjuster. Our Colorado roofing contract law guide covers the Colorado side.
Photos a claims associate can use
Because Nationwide asks homeowners to leave roof photos to the associate or a roofer, a professional inspection is the natural first step. We photograph each slope, the hits with a scale reference, and the vents, flashing and gutters, then write a scope that lists every component. You share what you choose with Nationwide, and we make sure nothing gets missed in the scope.
State rules that apply to a Nationwide claim
Colorado. The Colorado Division of Insurance regulates home insurers. C.R.S. 10-4-110.8(10) requires your insurer to send a copy of your policy, with the declarations page and endorsements, within three business days of your request, or a certified copy within 30 days. Before issuing or renewing a replacement cost policy, the insurer must offer law and ordinance coverage of at least 20% of the dwelling limit, which pays the added cost of meeting current building codes, subject to your policy. A homeowners policy cannot cut the time to sue below the statute of limitations, and claim handling must follow the unfair practices rules in C.R.S. 10-3-1104(1)(h). DOI Consumer Services: 303-894-7490.
Texas. The Texas Department of Insurance (TDI) says your company has 15 business days (about 3 weeks) to acknowledge a claim and 15 business days after it gets what it needs to decide, with a written reason for any rejection. It can take an extra 45 days if it tells you why. Insurance Code 542.057 then gives it 5 business days to pay. Before suing over hail or wind damage, Insurance Code 542A.003 generally requires written notice at least 61 days ahead. Your policy sets your own reporting deadline. TDI Help Line: 800-252-3439.
More detail for both states is on our insurance carrier guide hub.
What to have in hand when you call
- Your policy number and the declarations page, including the wind and hail deductible.
- The storm date, and photos taken from the ground or from inside.
- Receipts for any tarp or emergency repair, and your mortgage company's name.
Where a roofer fits
The claim is between you and Nationwide. We are a veteran-owned, family-run roofer, in business since 1990 (more than 35 years), with 650+ Google reviews. Our part is the roof: we inspect it, photograph it, write a line-item scope, and make sure nothing gets missed in the scope you hand your adjuster. Colorado offices: (719) 488-2800 (Colorado Springs) and (303) 209-0152 (Denver). Austin office: (512) 610-5897, serving the Austin area from Round Rock and Cedar Park to Kyle and San Marcos. We respond the same business day. See a free inspection in Colorado or a free inspection in Austin.
Checked October 21, 2026 against these official sources: Nationwide, Wind storm and hurricane damage claims; Nationwide, Insurance claims FAQ; Nationwide, Contact us. Phone numbers and processes change, so confirm against your declarations page.
