Migliaccio & Rathod LLP is investigating whether Nationwide Mutual Fire Insurance Company has improperly denied certain Indiana homeowners payments available under dwelling replacement cost endorsements.
Some homeowners insurance policies provide an actual cash value payment for covered dwelling damage and additional replacement cost benefits when qualifying repairs or rebuilding are completed. In a September 2026 Indiana appellate decision, a court considered whether Nationwide was required to pay an actual cash value component of a dwelling replacement cost endorsement even though the homeowner had not completed repairs within two years. The court allowed that contract-interpretation dispute to proceed rather than resolving it in Nationwide’s favor.
Migliaccio & Rathod is investigating whether other Indiana Nationwide policyholders with similar endorsements were denied actual cash value payments because they had not completed repairs or rebuilding, even when their policies may have independently required those payments.
Homeowners May Have Experienced:
- Being denied payment under a dwelling replacement cost endorsement;
- Being told no payment was available because repairs were not completed within two years;
- Having an actual cash value payment withheld despite a potentially separate contractual entitlement;
- Receiving less than the amount calculated for covered dwelling damage;
- Being unable to complete rebuilding because insurance payments were withheld; or
- Receiving conflicting explanations about actual cash value and replacement cost benefits.
Potential Claims May Include:
- Failure to pay benefits required under dwelling replacement cost endorsements;
- Incorrect interpretation of contractual payment conditions;
- Breach of insurance contract;
- Improper withholding of actual cash value benefits; or
- Violations of applicable insurance laws.
Signs You May Be Affected:
- You had a Nationwide Mutual Fire homeowners policy in Indiana;
- Your policy included a dwelling replacement cost endorsement;
- You experienced a covered loss involving damage to your home;
- You did not complete repairs or rebuilding within two years;
- Nationwide denied an actual cash value payment because repairs were incomplete; or
- You have the endorsement, claim correspondence, and payment 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.