If you had a West Bend Mutual Insurance structural loss claim in IL, KY, MO, OH, TN, VA, or WI, this new settlement may mean money back in your pocket. Below is the quick, skimmable rundown so you can see if you qualify and file your claim before the February 6, 2026 deadline.
Why This Lawsuit Exists?
The lawsuit alleges West Bend Mutual Insurance improperly deducted “nonmaterial depreciation” (things like labor, overhead, profit) when calculating actual cash value (ACV) payments on structural loss claims.
This allegedly reduced payouts below what policyholders should have received.
West Bend denies all wrongdoing, but agreed to settle to avoid further litigation.
Who Qualifies?
You may be part of the settlement if:
You had a personal or commercial property insurance policy issued by West Bend;
You made a structural loss claim for property in IL, KY, MO, OH, TN, VA, or WI;
West Bend used an Xactimate estimate to calculate ACV;
West Bend withheld nonmaterial depreciation OR would have issued an ACV payment but the withholding dropped the loss below the deductible.
Class Periods
Illinois, Kentucky, Ohio, Tennessee, Virginia, Wisconsin: Losses between Mar 29, 2020 – Jun 30, 2022
Missouri: Losses between Mar 29, 2012 – Jun 30, 2022
How Much You Can Get?
What you may receive depends on your state and your claim history.
If Your Policy Was Issued in IL, KY, MO, OH, or TN
You may receive:
100% of the nonmaterial depreciation withheld
+ 5% simple interest from your final ACV payment date through July 1, 2025
If Your Policy Was Issued in VA or WI
You may receive:
80% of the nonmaterial depreciation withheld
+ 5% simple interest through July 1, 2025
If West Bend Later Paid the Depreciation
Your payment follows this schedule:
$1–$5,000.99: $25
$5,001–$10,000.99: $50
$10,001–$20,000.99: $100
$20,001–$40,000.99: $200
$40,001–$60,000.99: $300
$60,001–$80,000: $400
Over $80,000: $500
Your Options
| Option | Deadline | What It Means |
|---|---|---|
| Submit a Claim Form | Feb 6, 2026 | The only way to receive a payment. |
| Ask to Be Excluded | Dec 8, 2025 | No payment, but you keep your right to sue West Bend separately. |
| Object | Dec 8, 2025 | Tell the Court you disagree with the settlement. |
| Go to the Hearing | Jan 7, 2026 | Ask to speak in Court about the settlement. |
| Do Nothing | — | No payment + you lose your right to sue later. |
How to File?
You must submit a claim to receive compensation.
✔ Online
File through the settlement website
Log in using your unique ID and PIN from your notice
✔ By Mail
Send your completed claim form to:
No Joke Depreciation Settlement Administrator
P.O. Box 5988
Portland, OR 97228-5988
Additional Notes
You must submit a separate claim form for each covered loss.
Representatives filing on behalf of someone else must include documentation of authority.
Checks will be mailed to approved claimants.
