State Farm Structural Damage Settlement 2026 – Missouri Policyholders May Claim Money Back by April 2
State Farm is settling a class action over claims it improperly reduced insurance payouts on Missouri structural damage claims by depreciating labor and other non-material costs. If you had a structural damage claim in Missouri between 2012 and 2017, you may be owed money back plus interest. The deadline to file is April 2, 2026, so do not let this one collect dust.
What happened
Class period: June 5, 2012 through approximately October 2017
When your home or property is damaged and you file an insurance claim, your insurer calculates an actual cash value (ACV) payment, which is the replacement cost minus depreciation for wear and tear.
State Farm was depreciating not just physical materials like lumber or shingles, but also the cost of labor, equipment, and contractor overhead when calculating ACV payments for Missouri policyholders. The lawsuit alleged this practice was improper under Missouri law.
State Farm denies all wrongdoing and maintains policyholders received everything they were owed. But it agreed to settle rather than litigate, which after eight years in court is frankly a reasonable call from everyone involved.
The settlement covers Missouri policyholders who had structural damage claims between June 5, 2012, and approximately October 2017.
What you can get
Claim Settlement Payment
Varies
Equal to 90% of withheld non-material depreciation plus 50% of withheld GCOP depreciation, plus 8.9% simple interest from August 6, 2021. Amount depends on the size of your original claim and how much depreciation was applied.
Interest-only payment
Varies
If you already recovered your depreciation through replacement cost benefit payments, you still receive interest on the amounts that were withheld and later paid.
Key dates
| Action | Date | What it means |
|---|---|---|
| Claim deadline | April 2, 2026 | Last day to file a claim |
| Opt out | January 30, 2026 (passed) | Keep your right to sue separately |
| Object | January 30, 2026 (passed) | Tell the court you disagree |
| Final hearing | March 3, 2026 | Judge decides whether to approve |
Who may qualify
- You were insured under a State Farm structural damage policy in Missouri.
- You made a structural damage claim for Missouri property with a date of loss on or after June 5, 2012.
- You received an actual cash value payment where State Farm deducted non-material depreciation or general contractor overhead and profit depreciation, OR your ACV payment dropped below your deductible due to those deductions.
- You received a notice in the mail with a Claim Form attached.
How to file
- Visit the official settlement website at pregon-v-statefarm.com and click "Upload a Claim."
- Upload a signed, scanned copy of your completed Claim Form before midnight Central Time on April 2, 2026.
- Prefer mail? Download the Claim Form from the Important Documents page, complete and sign it, and mail it postmarked by April 2, 2026 to: Pregon v. State Farm Settlement, c/o JND Legal Administration, PO Box 91215, Seattle, WA 98111.
- If you cannot find your Claim Form or need a new one, call 1-877-206-2313 to request one.
Proof required
- No document upload is required when submitting your Claim Form. State Farm will verify your claim against its own records and determine your eligibility and payment amount.
- If you are filing on behalf of a deceased or incapacitated class member, you must also submit written proof that you are the legally authorized representative.
Payment timing
Payments will be mailed to eligible class members after the Court grants final approval and all appeals are resolved. The Final Approval Hearing was scheduled for March 3, 2026. Check the settlement website for updates on timing.
Important links
Contact
Extra details
The opt-out and objection deadlines of January 30, 2026, have passed. Your only remaining option is to file a claim by April 2, 2026, or do nothing and receive no payment.
Do not call State Farm or your State Farm agent about this lawsuit. You can still call them about other insurance matters.
If you are unsure whether you qualify, submit a Claim Form anyway. There is no penalty for submitting one, and State Farm will determine your eligibility from their records.
Attorneys' fees of up to $5,125,000 will be paid separately by State Farm and will not reduce your payment.
FAQ
How much will I actually receive?
What if I already got my depreciation back through replacement cost benefit payments?
I am not sure if I had a qualifying claim. Should I still file?
What if my loss occurred after October 2017?
Can I still opt out or object?
What happens if I do nothing?
Info only. Verify details on the official site. Not legal, financial, or tax advice. Legal
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