American Family Insurance Arizona Class Action Settlement
Held an American Family or Homesite property policy in Arizona and filed a structural loss claim between June 24 2018 and Nov 4 2022? You could pocket up to $200—or 50-100% of withheld depreciation plus 4.75% interest. Act now: submit a claim online or by mail before December 1 2025.
Download Claim Form (PDF)Who Is Eligible?
- Property insurance policy in Arizona issued by American Family or Homesite from 6/24/2018 – 11/4/2022.
- Structural loss claim under Coverage A or Coverage B.
- American Family used an Xactimate estimate to calculate Actual Cash Value (ACV).
- ACV payment withheld non-material depreciation, or withholding pushed the claim below your deductible.
Key Exclusions
- Policies explicitly permitting labor depreciation.
- Roof Surface Payment Endorsement claims paid by schedule.
- Claims that exhausted policy limits or were denied for other reasons.
- Claims without an Xactimate estimate.
Settlement Benefits
- Losses 11/2/2019 – 11/4/2022 (non-Homesite): 100% of withheld depreciation + 4.75% simple interest.
- Losses 6/24/2018 – 11/1/2019 or any Homesite policy: 50% of withheld depreciation + 4.75% simple interest.
- If depreciation was later reimbursed: Flat payment from $10 to $200, based on the original amount withheld.
How to File a Claim
- Submit the secure online claim form or mail the PDF form.
- Provide policyholder name, policy number, claim number, loss date, and property address.
- If filing on behalf of someone else, include proof of legal authority or assignment.
- Mail paper claims to:
Zubia v. American Family Administrator
P.O. Box 2734
Portland, OR 97208-2734 - Ensure delivery by December 1 2025.
Important Dates
- Opt-Out / Exclusion Deadline: Sept 17 2025
- Final Approval Hearing: Oct 17 2025
- Claim Deadline: Dec 1 2025
- Payments mailed: ~20–50 days after final approval & appeals
Frequently Asked Questions
What does the American Family Insurance Arizona Class Action Settlement cover?
The case alleges American Family and Homesite wrongly deducted labor and other non-material depreciation from Arizona structural loss claims, reducing ACV payouts. The insurers deny wrongdoing but created a $2.4 million fund to resolve the dispute.
How much could I receive from the American Family Insurance Arizona Class Action Settlement?
Depending on claim dates and reimbursements, policyholders may collect a flat $10–$200 or 50–100% of previously withheld depreciation plus 4.75% interest.
Is documentation required for the American Family Insurance Arizona Class Action Settlement?
No receipts are necessary, but you must supply accurate policy and claim details. The administrator verifies eligibility using insurer records.
When will American Family Insurance Arizona Class Action Settlement checks arrive?
Checks are projected to mail 20–50 days after the court grants final approval on Oct 17 2025 and any appeals are resolved.
Who is overseeing the American Family Insurance Arizona Class Action Settlement?
Epiq Global is the settlement administrator and can be reached at 1-888-894-9318.
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