Blizzard v Nationwide

A Court authorized the Notice because you have a right to know about a proposed settlement of a class action lawsuit known as Blizzard v. Nationwide Mutual Insurance Company (in the Circuit Court of the Eleventh Judicial Circuit in and for Miami-Dade County), and be notified about your options before the Court decides whether to give final approval to the Settlement. The Notice explains the lawsuit, the Settlement, and your legal rights.

Hon. Mavel Ruiz, a Judge of the Eleventh Judicial Circuit in and for Miami-Dade County, Florida, is overseeing this case. The person who sued, Plaintiff Tara Blizzard, is called the “Plaintiff.” Nationwide Mutual Insurance Company is called the “Defendant.”

The lawsuit alleges that Defendant sent Prerecorded Voice messages to Plaintiff’s telephone number in violation of the Telephone Consumer Protection Act and Florida Telephone Solicitation Act and seeks actual and statutory damages under the TCPA/FTSA on behalf of the named Plaintiff and a class of all individuals in the United States.

Defendant denies each and every allegation of wrongdoing, liability, and damages that were or could have been asserted in the litigation and that the claims in the litigation would be appropriate for class treatment if the litigation were to proceed through trial.

The Plaintiff’s Complaint, Settlement Agreement, and other case-related documents are available on the Important Documents page of this website. The Settlement, if approved by the Court, resolves the lawsuit. The Court has not decided who is right.

The Telephone Consumer Protection Act (commonly referred to as the “TCPA”) is a federal law that restricts the use of marketing related Prerecorded Voice message calls. The Florida Telephone Solicitation Act (“FTSA”) is a Florida law that restricts the use of marketing related Prerecorded Voice message calls.

In a class action, one person called the “Class Representative” (in this case, Plaintiff) sues on behalf of themselves and other people with similar claims.

All of the people who have claims similar to the Plaintiff are Settlement Class Members, except for those who properly exclude themselves from the class, among others.

The Court has not found in favor of either Plaintiff or Defendant. Instead, both sides have agreed to a settlement. By agreeing to the Settlement, the Parties avoid the costs and uncertainty of a trial, and if the Settlement is approved by the Court, Settlement Class Claimants will receive the benefits described in the Notice. Defendant denies all legal claims in this case. Plaintiff and her lawyers think the proposed Settlement is best for everyone who is affected.

The Settlement includes all persons who received Prerecorded Voice Messages on their telephone from Defendant. Specifically, the Settlement Class is defined as:

All persons within the United States who, from January 6, 2021, through the date of preliminary approval of the Class Settlement, received one or more prerecorded voice calls on their cellular telephone line regarding the renewal and/or expiration of their pet insurance policy with Defendant.

The Settlement Class excludes the following: (1) the trial judge presiding over this case; (2) Defendant, as well as any parent, subsidiary, affiliate, or control person of Defendant, and the officers, directors, agents, servants, or employees of Defendant; (3) any of the Released Parties; (4) the immediate family of any such person(s); and (5) any Settlement Class Member who has timely opted out of this proceeding.

If you are not sure whether you are in the Settlement Class or have any other questions about the Settlement, please contact the Settlement Administrator at Blizzard v. Nationwide, Settlement Administrator, P.O. Box 6877, Portland, OR 97228-6877 or by calling the toll-free number 1-877-774-4738.

To fully settle and release claims of the Settlement Class Members, Defendant has agreed to make a Settlement Amount of up to $1,400,000 available, which will be used to pay Settlement Class Members who submit valid Claims, Settlement administration costs, attorneys’ fees and costs to Class Counsel, and a Service Award to the Class Representative. If the Settlement is finally approved by the Court, the payments to Settlement Class Members who submit valid Claims will receive up to $17.50 less Notice and Administration Costs, attorneys’ fees and actual out-of-pocket expenses incurred in the litigation, and a Service Award. The Notice and Administration Costs, the Fee and Cost Award and the Service Award will be paid by Defendant out of the Settlement Amount. The Court will decide the amount of the Fee and Cost Award and the Service Award. Please see the Long Form Notice for additional information.

The deadline to submit a claim form was March 11, 2026.

Claim forms are no longer being accepted.

All Settlement Checks were issued on May 4, 2026.

The deadline to exclude yourself from the Settlement was January 20, 2026.

Requests for Exclusion are no longer being accepted.

No. Unless you excluded yourself, you gave up the right to sue Defendant for the claims that the Settlement resolves. You must have excluded yourself from this Settlement Class in order to pursue your own lawsuit.

Unless you excluded yourself, you cannot sue or be part of any other lawsuit against Defendant or the Released Parties about the issues in this case. Unless you excluded yourself, all of the decisions and judgments by the Court will bind you.

The Settlement Agreement is available here. The Settlement Agreement provides more detail regarding the Releases and describes the Released Claims with specific descriptions in necessary, accurate legal terminology, so read it carefully. You can talk to the law firms representing the Settlement Class listed in FAQ 15 at no charge to you, or you can, at your own expense, talk to your own lawyer at your own expense if you have any questions about the Released Claims or what they mean.

No. You will not get a payment from the Settlement Amount if you excluded yourself from the Settlement.

The Court has appointed the following lawyers as “Class Counsel” to represent all members of the Settlement Class.

You will not be charged for these lawyers. If you want to be represented by another lawyer, you may hire one to appear in Court for you at your own expense.

The Court has approved Attorneys' Fees and Expenses incurred in the litigation totaling $490,000. The fees and expenses awarded by the Court will be paid out of the Settlement Amount. The Court has also approved a Service Award of $2,500 for Plaintiff for her service as Class Representative on behalf of the whole Settlement Class. The Service Award will also be paid out of the Settlement Amount.

The deadline to object to the Settlement was January 20, 2026.

Objections are no longer being accepted.

Objecting is telling the Court that you do not like something about the Settlement. You can object to the Settlement only if you do not exclude yourself. Excluding yourself is telling the Court that you do not want to be part of the Settlement. If you exclude yourself, you have no basis to object to the Settlement because it no longer affects you.

The Court held a Final Approval Hearing on February 23, 2026, at 9:30 A.M. ET in Room Virtual Courtroom. Virtual Court was held remotely on the Zoom platform. At this hearing, the Court considered whether the Settlement is fair, reasonable, and adequate. The Court also considered the requests by Class Counsel for Attorneys Fees and Expenses and for a Service Award to the Class Representative. The Court granted Final Approval of the Settlement on February 23, 2026.

If you are a Settlement Class Member and do nothing, meaning you do not file a timely Claim, you will not get benefits from the Settlement. Further, unless you excluded yourself, you will be bound by the judgment entered by the Court.

This website summarizes the proposed Settlement. You are urged to review more details in the Settlement Agreement. For a complete, definitive statement of the Settlement terms, refer to the Settlement Agreement. You also may write with questions to the Settlement Administrator at Blizzard v. Nationwide, Settlement Administrator, P.O. Box 6877, Portland, OR 97228-6877, or call the toll-free number 1-877-774-4738.

All reissue requests must be sent in writing to the Claims Administrator by September 10, 2026.

To request your check be reissued please mail your written request to:

Blizzard v. Nationwide
Settlement Administrator
P.O. Box 6877
Portland, OR 97228-6877

Your request should include your name, your email addresses, your current mailing address information, and a signed request to reissue your check. If possible, please also include the check you are requesting be reissued.

If the name of the Class Member on the check should be changed, please send in documentation, as applicable, according to the following checklist:

Name Change
If your name has changed, please provide documentation showing this to be the case, which can include documents such as a marriage certificate or court papers indicative of a name change.

Name Removal
In order to have a name removed from a check reissue, either have both parties on the check sign a letter and return the check or return the check with documentation that shows that one party is unable to negotiate the check (i.e. death certificate).

Deceased Class Member
If the Class Member indicated on the check is deceased, please submit acceptable documentation showing that you are the beneficiary of his or her Estate. Acceptable documentation may be a death certificate, together with the pertinent portion of the Will, or Court Order/Letters Testamentary naming you as Personal Representative, Administrator, Executor, or Executrix.

Incapacitated Class Member
If the claimant cannot act on his or her own behalf, acceptable documentation is a Power of Attorney, or guardianship or custodial paperwork.

Closed Business
If business is no longer active, please provide documentation of the business closure or asset sale.

For reasons of security, a check reissue cannot take place until either the original check is received back by us, a mailing has been returned to us as undeliverable, or until the original stale date of the check has passed or expired. Because one of these events must occur before we can act on your request, it is not possible for us to provide an estimated date for the reissue to take place. We thank you for your patience.