American Family Insurance $16.37M Wisconsin Settlement

Who Is Eligible?

• American Family Mutual Insurance Co. issued a Wisconsin property policy between 11/2/2019 and 5/15/2025.
• You filed a structural loss claim under Coverage A or B.
• An Xactimate estimate was used to calculate actual cash value (ACV).
• Nonmaterial depreciation (labor, overhead, profit) was withheld from the ACV payment—or would have been but for the deductible.

Not Eligible

• Policies that expressly allow labor depreciation.
• Roof claims paid under a roof surface payment schedule endorsement.
• Claims that exhausted the policy limit or were denied for other reasons.
• Claims without an Xactimate estimate.

Potential Payments

• 63% reimbursement + 4.75% simple interest if withheld depreciation was never repaid.
• Flat payments when depreciation was eventually repaid:
  • $1–$5,000.99 withheld: $10
  • $5,001–$10,000.99: $20
  • $10,001–$20,000.99: $40
  • $20,001–$40,000.99: $80
  • $40,001–$60,000.99: $120
  • $60,001–$80,000.00: $160
  • Over $80,000.00: $200

How to File a Claim

1. Go to the online claim portal and log in with the Unique ID and PIN from your mailed notice, or print and mail the PDF claim form.
2. Provide your policy number, claim number, loss address, and date of loss.
3. If acting on behalf of someone else or as an assignee, include supporting documentation.
4. Choose to receive your payment by paper check.

Key Documents & Contacts

• Settlement website: halldepreciationsettlement.com
• Mailing address: Hall v. American Family Administrator, P.O. Box 2895, Portland, OR 97208-2895
• Phone: 1-888-857-6848
• Primary PDFs: Class Notice, Settlement Agreement

Why the Settlement Exists

Plaintiffs alleged that American Family illegally deducted labor, overhead, and profit—collectively “nonmaterial depreciation”—from ACV payments on Wisconsin structural loss claims. American Family denies wrongdoing but agreed to pay $16.37 million to avoid continued litigation risk.

Frequently Asked Questions