No Joke v. West Bend Mutual Settlement
If West Bend Mutual Insurance Company withheld “non-material” (labor) depreciation from your structural loss claim in Illinois, Kentucky, Missouri, Ohio, Tennessee, Virginia, or Wisconsin, you could get cash from a class action settlement. Eligible policyholders must submit a valid claim by February 6, 2026. Act now to secure the payment you’re owed.
Am I eligible?
- Had a personal or commercial property policy issued by West Bend.
- Filed a covered structural damage claim during the class periods:
- IL, KY, OH, TN, VA & WI – 3/29/2020 to 6/30/2022
- MO – 3/29/2012 to 6/30/2022
- West Bend’s Xactimate estimate deducted labor/overhead/profit depreciation from your Actual Cash Value (ACV) payment or the deduction lowered your loss below the deductible.
Settlement benefits
- 100% reimbursement + 5% simple interest for withheld labor depreciation (IL, KY, MO, OH, TN).
- 80% reimbursement + 5% simple interest for withheld labor depreciation (VA, WI).
- If the depreciation was later paid in full, you may still receive a flat payment of $25–$500 based on the amount originally withheld.
Key deadlines
- Opt-out & objection: December 8, 2025
- Claim filing deadline: February 6, 2026 (online by 11:59 p.m. CT or postmarked)
- Final approval hearing: January 7, 2026 – 9:00 a.m. CST, Peoria County Circuit Court, IL
How to file your claim
- Download and complete the official Claim Form.
- Submit online at the settlement site or mail to the Settlement Administrator. Mailed forms must be postmarked by 2/6/2026.
- Keep copies of all documents for your records.
Important documents
Long-Form Notice (PDF)Settlement Agreement (PDF)
Preliminary Approval Order (PDF)
Your legal options
- Submit a claim – receive money, stay in the class, and release claims.
- Do nothing – get no payment and still release claims.
- Exclude yourself – keep the right to sue West Bend but receive no money from this settlement.
- Object – tell the Court why you dislike the settlement while remaining in the class.
Frequently Asked Questions
What is the No Joke v. West Bend Mutual Settlement about?
The lawsuit alleges West Bend unlawfully depreciated labor, overhead, and profit when paying ACV on structural loss claims. West Bend denies wrongdoing but agreed to settle.
How much money can I receive?
Up to the full amount (100% or 80% depending on state) of labor depreciation withheld, plus 5% simple interest, or a flat $25–$500 if the depreciation was later reimbursed.
Do I need proof of my claim?
Complete the Claim Form truthfully. The Settlement Administrator already has data on most claims, but you may attach supporting documents if available.
When will payments be sent?
Checks will be mailed after the Court grants final approval and any appeals finish. This may take several months—please be patient.
Can I still sue West Bend if I stay in the settlement?
No. Remaining in the class means you release all claims related to labor depreciation deductions for the covered period.
Who represents the class?
The Court appointed experienced law firms as Class Counsel. You may hire your own attorney at your cost, but it isn’t required.