Migliaccio & Rathod LLP is investigating whether Indiana homeowners insured by Nationwide Mutual Fire Insurance Company received the full inflation-protection benefits available under their homeowners insurance policies.
Inflation-protection provisions are designed to increase applicable coverage limits as rebuilding costs rise. In a September 2026 Indiana appellate decision, Nationwide acknowledged that an additional $12,780.46 in inflation-protection benefits should have been included in an earlier payment to one policyholder. The company subsequently paid that amount plus interest.
Migliaccio & Rathod is investigating whether other Indiana Nationwide policyholders with similar endorsements experienced omitted or delayed inflation-protection payments, potentially leaving them with less money than their policies promised.
Homeowners May Have Experienced:
- Receiving a claim payment based on an outdated dwelling coverage limit;
- Having inflation-protection benefits omitted from an insurance settlement;
- Receiving an additional payment only after challenging the insurer’s calculation;
- Being told coverage was exhausted despite an inflation-protection endorsement;
- Receiving less than the inflation-adjusted amount available under the policy; or
- Difficulty determining whether the insurer applied the correct coverage adjustment.
Potential Claims May Include:
- Failure to apply contractual inflation-protection benefits;
- Incorrect calculation of homeowners insurance payments;
- Breach of insurance contract;
- Improper withholding or delay of covered benefits; or
- Violations of applicable insurance or consumer protection laws.
Signs You May Be Affected:
- You had a Nationwide Mutual Fire homeowners insurance policy in Indiana;
- Your policy included an inflation-protection provision or endorsement;
- You filed a claim for covered property damage;
- Your claim involved substantial rebuilding expenses;
- Your insurer may have calculated payment using a coverage limit that did not include required inflation adjustments; or
- You have the policy endorsement, declarations page, or claim settlement calculations.
If you believe you experienced this issue, we would like to hear from you. Please complete the contact form on this page, send us an email at [email protected], or give us a call.