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.
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. Checked against the official settlement source by SettleSignal on June 16, 2026.
Open to residents of: Arizona, Illinois, Missouri, Wisconsin
⏳ 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.
Who may qualify
You self-certify the basics when you file — the settlement administrator makes the final eligibility decision.
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.
Official eligibility wording (read the exact text)
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.
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.
How do I file a claim for this settlement?
This record no longer has an open public claim form — confirm the current status and any next steps on the official source.
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1Make 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.
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2Check whether nonmaterial depreciation was deducted from your actual cash value payment and never paid back to you.
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3Download 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.
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4Submit 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.
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5Not sure if you're in the class? Call 1-800-253-4349 to find out.
New to settlement claims? How to file safely → · Worried it might be fake? Run the 60-second legitimacy check →
When will I get paid?
- Claims open You are here
- Court approval
- Payments sent
- Distribution complete
Claims are still being accepted. Class-action payouts typically begin only after the claim deadline, final court approval, and any appeals.
Verify it yourself
How we verified this record
Optional, but it's the whole point — every field below traces to a named official source we re-check on a schedule.
- 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.
Cross-checked against 5 official sources on file.
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.
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.
Not ready to file today? Track it free — we'll remind you before the deadline, and keep your claim details in one place.
Listed on the official settlement website.
Status history
Every status and verification change we have recorded for this settlement, newest first. We log the date we made each change; we never publish the underlying evidence link.
- Settlement published after verification.
- Verified field details updated from an official source.
Disclaimer
SettleSignal 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. You open the official claim form yourself. Only file a claim if the information you provide is accurate.