State Farm Depreciation Class Action Settlement
Missouri property owners insured by State Farm who made structural damage claims from June 2012 through October 2017.
Settlement Closed
Who’s Eligible
- Missouri property owner insured by State Farm under a structural damage insurance policy
- Made a structural damage claim for property in Missouri with a date of loss on or after June 5, 2012
- Received an ACV payment where estimated non-material depreciation or general contractor overhead and profit depreciation was deducted, or would have received ACV payment but for such deductions causing the ACV to fall below the applicable deductible
- Loss occurred between June 5, 2012 and approximately October 2017
- Not excluded: claims under State Farm policy forms expressly permitting labor depreciation, claims exhausting applicable insurance limits, State Farm officers and directors, judges and their staff, or Class Counsel
Eligible States
Claim Deadline
What You Need to Do to Get Paid
To get paid from the State Farm settlement:
Claim Online
Upload a signed, scanned copy of your completed Claim Form at www.Pregon-v-StateFarm.com before midnight Central Time on April 2, 2026.
Claim by Mail
Mail your signed and completed Claim Form, postmarked no later than April 2, 2026, to:
Pregon v. State Farm Settlement
c/o JND Legal Administration
P.O. Box 91215
Seattle, WA 98111
Download a blank Claim Form from the settlement website or call 1-877-206-2313 to request one. If you represent a deceased or incapacitated Class Member, provide written proof of your legal authority.
No proof of loss required. Claimants may submit a Claim Form and State Farm will determine eligibility based on its records of the claim.
Settlement Payout
State Farm settlement payments to Missouri policyholders vary based on claim size and depreciation amount. Eligible claimants receive 90% of withheld non-material depreciation plus 50% of general contractor overhead and profit depreciation, plus 8.9% annual simple interest from August 6, 2021 onward, or interest only if replacement cost benefits were already recovered. Payments exclude claims exhausting insurance limits and certain policy forms expressly permitting labor depreciation.
Settlement Documents
Background of the Lawsuit
The lawsuit alleged that State Farm improperly deducted non-material depreciation and general contractor overhead and profit depreciation when calculating actual cash value (ACV) payments for structural damage claims made by Missouri policyholders. The case covered claims with dates of loss between June 5, 2012 and approximately October 2017.
State Farm denied all allegations of wrongdoing, contending that policyholders received everything they were entitled to under their policies, including replacement cost benefits. The parties settled to avoid ongoing litigation costs and allow eligible claimants to receive compensation.
Frequently Asked Questions
Who qualifies for payment in the State Farm settlement?
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Can I opt out of the State Farm settlement?
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Settlement Administrator
Pregon v. State Farm Settlement
c/o JND Legal Administration
P.O. Box 91215
Seattle, WA 98111
Case Details
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Disclaimer
The information on this website is free to access and provided for general educational and informational purposes only. It is not legal advice. We summarise settlement information from official notices, court documents, settlement websites, administrators, and other primary sources where available.
Settlement details and deadlines may change. Always refer to the official settlement website or consult a licensed attorney for advice specific to your situation.
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