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.
Payment amount set by the settlement administrator
It depends on your state and when your loss occurred. For Illinois and Missouri claims, you'd get back 100% of the nonmaterial depreciation that was withheld and never repaid. For Arizona claims with a loss date on or after October 20, 2018, it's also 100%. For Arizona losses between October 20, 2014 and October 19, 2018, it's 50% of what was withheld. Wisconsin details follow a similar structure — check the official FAQ or full notice for the Wisconsin-specific percentage. The amount is based on what Auto-Owners actually withheld from your specific claim.
⏳ Claim deadline not listed here yet — confirm the official filing deadline on the settlement site before relying on it.
📄 Proof requirement not specified here — check the official site for what documentation, if any, a claim needs.
You'll go to: www.a-odepreciationsettlement.com
Who may qualify
You 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.
Official eligibility wording
Auto-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.
This summary is based on available official settlement sources. The settlement administrator determines eligibility and payment approval.
New to the terms? Plain-English: claim deadline, proof of purchase, administrator, pro rata.
Proof requirements
Proof requirement is currently marked as Unknown.
Review the official claim form before submitting any information.
What you need
Submit 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 to file this claim
- Make sure you had an Auto-Owners property insurance policy in Arizona, Illinois, Missouri, or Wisconsin and filed a structural damage claim during the Class Period for your state.
- Check whether nonmaterial depreciation was deducted from your actual cash value payment and never paid back to you.
- Download the Claim Form at https://www.a-odepreciationsettlement.com/wp-content/uploads/2023/10/Walker-v-Auto-Owners_CF_Web.pdf and fill it out.
- Submit the form by uploading it at https://www.a-odepreciationsettlement.com/claim-form-upload-login/ or by mailing it to the address shown on the form.
- Not sure if you're in the class? Call 1-800-253-4349 to find out.
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.
How do I file a claim for this settlement?
File directly with the official administrator via the official claim form.
- Confirm you are within the eligible group described in the official notice — the settlement administrator determines eligibility.
- Gather any documents the official form asks for — this settlement marks proof as Unknown.
- Open the official claim form or settlement website.
- Submit accurate information through the official settlement administrator or government source.
- Save your confirmation number if one is provided, then watch the payment status for distribution updates.
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How we verified this record
- Eligibility the official settlement website · Jun 16, 2026
- Official claim link the official settlement website · Jun 16, 2026
- Claim deadline queued for re-check
- Payout details queued for re-check
- Proof requirement queued for re-check
- Administrator queued for re-check
- Court case queued for re-check
- Payment status queued for re-check
Every published record clears our source-verification bar; remaining fields are checked one by one on our weekly re-verification pass.
Checked fields are matched against a named official source and re-checked on a schedule. We show the authority and the date, never our internal evidence link.
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Eligibility summary
Auto-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.
Verified Jun 16, 2026 · against the official settlement website
Show all 1 more verified field
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Official claim URL
www.a-odepreciationsettlement.com
Verified Jun 16, 2026 · against the official settlement website
Common questions
Is the Walker v Auto-Owners settlement legitimate?
Yes — the Walker v Auto-Owners settlement is a real claims process that SettleSignal tracks from its official source. File only through the official settlement website (www.a-odepreciationsettlement.com); a genuine settlement administrator never charges a fee to file. SettleSignal last checked this record against the official source on June 16, 2026. Always confirm the current details on the official site before filing.
Who may qualify for this settlement?
Auto-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.
Do I need proof to claim?
Proof requirement: Unknown. The settlement administrator determines what documentation, if any, is required.
What is the current payment status?
Current payment status: Unknown. Payments are issued by the administrator after the court process concludes.
When will Walker v Auto-Owners pay out?
Current payment status: Unknown. Class-action payouts typically begin only after final approval and any appeals. See our payout timeline guide.
Where is the official Walker v Auto-Owners claim form?
The official claim form is hosted by the settlement administrator. Use the 'Open official claim form' button on this page — never pay a fee to file.
What did Auto-Owners allegedly do wrong?
The lawsuit claims Auto-Owners improperly reduced actual cash value payments by depreciating the cost of labor, overhead and profit, and removal — items that aren't physical materials. The company denies wrongdoing, but agreed to settle to avoid the cost and uncertainty of a trial.
How do I know what time period my state covers?
Each state has its own class period. Arizona: losses on or after October 20, 2014. Illinois: losses on or after May 13, 2019 or May 13, 2020 depending on your policy's suit limitations clause. Missouri: losses on or after April 27, 2012. Wisconsin: losses on or after April 27, 2020 or April 27, 2021, again depending on the limitations clause. If you're unsure which window applies, call the settlement administrator at 1-800-253-4349.
What if I already got some of that withheld money back?
The settlement only covers nonmaterial depreciation that was withheld and not subsequently paid back to you. If Auto-Owners already repaid that amount, it won't count toward your settlement payment.
What happens if I do nothing?
You won't receive a payment, and you'll give up your right to sue Auto-Owners separately over these same claims. If you want to keep your right to sue individually, you need to formally request exclusion from the class instead.
When is the deadline to file?
A specific claim deadline hasn't been publicly confirmed yet. The court still needs to give final approval to the settlement. Keep an eye on a-odepreciationsettlement.com for the official deadline, or call 1-800-253-4349 for the latest.
Where to act
When you are ready, you open the official claim form yourself. SettleSignal does not file claims or determine eligibility.
Use the official settlement administrator or government source.
Listed on the official settlement website.
Disclaimer
This service summarizes publicly available settlement information and links to official settlement sources. We are not a law firm, do not provide legal advice, do not submit claims on your behalf, and do not determine eligibility or payout approval. Only file a claim if the information you provide is accurate.
Change log
- June 16, 2026 — Settlement published after verification.
- June 16, 2026 — Verified field details updated from an official source.