Arnold v. State Farm Fire and Cas. Co.
Arnold v. State Farm Settlement
Case No. 17-CV-148-TFM-C

Welcome to the Arnold v. State Farm Settlement Website

If you made a claim to State Farm for structural damage to a dwelling or other structure located in Alabama based on a loss that occurred between March 8, 2011 and August 3, 2017, and you received a payment or an estimate for damage repair from State Farm, this class action settlement may affect your rights.

IMPORTANT UPDATE: On December 18, 2023, settlement payments were mailed to eligible claimants. 

What is the lawsuit about?

This lawsuit is about whether State Farm breached its Alabama insurance policies by applying depreciation to the estimated costs of labor and other non-material costs in calculating actual cash value ("ACV") payments. Plaintiff contends that such depreciation resulted in Plaintiff and the Class being underpaid and was a breach of the insurance contracts. 

State Farm denies that its conduct breached the insurance contracts. State Farm contends that many policyholders received everything they were entitled to under their policy, including through payments for replacement cost benefits. 

The parties have now reached a settlement of the lawsuit, which has been granted the Court’s final approval.

Who is included?

The Settlement Class includes:

"All persons and entities insured under a State Farm structural damage policy who made: (1) a structural damage claim for property located in the State of Alabama with a date of loss on or after March 8, 2011, but before August 3, 2017; and (2) which resulted in an actual cash value payment during the class period from which “non-material depreciation” was withheld from the policyholder; or which would have resulted in an actual cash value payment but for the withholding of “non-material depreciation” causing the loss to drop below the applicable deductible."

How can I be eligible to receive a settlement payment?

Class Members who fully complete a claim form and timely mail it to the Settlement Administrator or upload it to this website may be eligible for payment. If you had more than one Covered Loss during the Class Period (March 8, 2011 through August 3, 2017) then you may submit separate Claim Form(s) for those losses, but you must separately complete, sign and timely submit a separate Claim Form to be eligible for payment on each of those other losses in the event that the settlement is approved by the Court. 

Legal Rights and Options

Option and Deadline
Submit a Claim Form
Deadline: October 24, 2022 (Passed)
The only way to get a payment if you qualify. For more information, please review FAQ 10.
Ask to be Excluded
Deadline: August 24, 2022 (Passed)
You will receive no payment. This is the only option that allows you to ever be part of any other lawsuit against State Farm over the legal claims in this case. For more information, please review FAQ 13.
Deadline: August 24, 2022 (Passed)
Write to the Court about why you don’t agree with the settlement. For more information, please review FAQ 16.
Go to the Hearing
Scheduled for September 23, 2022 at 9:30 a.m. CT
Ask to speak in Court about the settlement. For more information, please review FAQ 23.
Do Nothing You get no payment.  You give up rights. For more information, please read FAQ 24.

For More Information

Visit this website often to get the most up-to-date information.

Arnold v. State Farm Settlement
c/o JND Legal Administration
PO Box 91431
Seattle, WA 98111