What is this lawsuit about?
A proposed settlement has been reached in a class action about whether State Farm properly depreciated the estimated costs of the labor and other non-material costs needed to replace damaged structures when making actual cash value (“ACV”) payment(s) to Missouri policyholders under State Farm insurance policies.
State Farm has denied all allegations that it acted wrongfully or unlawfully. State Farm contends that policyholders received everything they were entitled to under their policies, including many through payments for replacement cost benefits.
Who is included?
All policyholders (except for those listed in the Exclusions – see FAQ 6) insured under a State Farm structural damage policy who: (1) made a structural damage claim for property located in Missouri with a date of loss on or after June 5, 2012; and (2) received an actual cash value (“ACV”) payment on that claim where either estimated Non-Material Depreciation or estimated General Contractor Overhead and Profit Depreciation was deducted, or who would have received an ACV payment but for the deduction of estimated Non-Material Depreciation and/or estimated General Contractor Overhead and Profit Depreciation causing the calculated ACV figure to drop below the applicable deductible.
How can I get a payment?
To ask for a payment, you must complete and return a truthful and accurate Claim Form. You may upload a signed, scanned copy of a completed Claim Form to the Upload a Claim page before midnight Central Time on April 2, 2026, or mail a signed and completed Claim Form, postmarked no later than April 2, 2026, to the Settlement Administrator.
Your Legal Rights and Options in this Settlement
These deadlines may be moved, canceled, or otherwise modified, so please check this site regularly for updates.
| Option & Due Date | Status | Description |
|---|---|---|
Submit a Claim Form April 2, 2026 | Status: Upcoming | Explanation: The only way to get a payment if you qualify. You may submit a Claim Form on the Upload a Claim page or download a Claim Form from the Important Documents page, complete it, and mail it to the Settlement Administrator. |
Object to the Settlement January 30, 2026 | Status: Upcoming | Explanation: Write to the Court about why you don’t agree with the settlement. More details on how to object to the Settlement are available on FAQ 17. |
Exclude yourself from the Settlement class January 30, 2026 | Status: Upcoming | Explanation: You get no payment. This is the only option that allows you to ever be part of any other lawsuit against State Farm over the claims resolved by this settlement. More details on how to exclude yourself from the Settlement are available on FAQ 12. |
Go to a Hearing March 3, 2026 | Status: Upcoming | Explanation: Ask to speak in Court about the Settlement. |
Do Nothing | Explanation: You get no payment. You give up rights. |
