Every dollar amount and date on this page is quoted from the official settlement document.
Auto-Owners (Mutual) Insurance Settlement
Court case: Walker v Auto-Owners
If you had an Auto-Owners property insurance claim for structural damage in Arizona, Illinois, Missouri, or Wisconsin and the company withheld depreciation on labor or non-material costs, you can file a claim to get some or all of that money back. You need to submit a claim form — nothing happens automatically. A filing deadline hasn't been publicly announced yet, so check the settlement site for updates.
Official eligibility wordingAuto-Owners property insurance policyholders in Arizona, Illinois, Missouri, or Wisconsin who made a structural damage claim during the applicable Class Periods that resulted in (or would have resulted in) an actual cash value payment from which Nonmaterial Depreciation was withheld. Checked against the official settlement source by SettleSignal on June 16, 2026.
Open to residents of: Arizona, Illinois, Missouri, Wisconsin
Key facts
- Who may qualify You may qualify if you held an Auto-Owners property insurance policy covering a home, building, condo, rental, or commercial structure in Arizona, Illinois, Missouri, or Wisconsin, made a structural damage claim during the applicable class period for your state, and Auto-Owners withheld 'nonmaterial depreciation' (depreciation on labor, overhead/profit, or removal costs) from your actual cash value payment. Some people are excluded: those whose policy expressly allowed this type of depreciation deduction in writing, those whose claim was denied outright or abandoned without any payment, and those whose payout already hit the policy's coverage limit.
- What you needSubmit a signed claim form — available as a PDF or via the online upload portal at a-odepreciationsettlement.com. You'll need details about your Auto-Owners policy and the structural damage claim. No specific proof type is listed, but having your claim paperwork ready will help.
How hard is this claim to file?
Documents you'll need
- Insurance claim records showing nonmaterial depreciation was withheld from your actual cash value payment (required)
Watch out for
- The eligible date of loss differs by state. Arizona starts October 20, 2014. Illinois and Missouri each have different cutoffs depending on whether your policy has a one-year or two-year suit limitations clause. Wisconsin works the same way. Look up your state's specific window before assuming you qualify.
- If your policy explicitly allowed the insurer to depreciate labor costs in the policy language itself, you're excluded from the class.
- If your claim was denied or abandoned with no actual cash value payment at all, you don't qualify.
- The court still has to give final approval before anyone gets paid. Check the settlement website for the current status.
We prepare — you file on the official site yourself. This is not legal advice and is not an eligibility decision; the administrator and court decide.
Verify it yourself
How we verified this record
- Eligibility
- Official claim link
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Eligibility summary Quoted in the official eligibility wording above ↑
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Official claim URL
www.a-odepreciationsettlement.com
Where to act
