American Family Mutual Insurance Co. class action settlement for Wisconsin properties

American Family Mutual Insurance Co. has agreed to a class action lawsuit settlement to resolve claims it improperly deducted nonmaterial depreciation from certain structural loss claims.

The American Family Mutual Insurance settlement benefits individuals who were issued property insurance policies in Wisconsin by American Family, made a structural loss claim under Coverage A or B of the policy, had an Xactimate estimate used to determine their actual cash value payment and had an actual cash value payment from which nonmaterial depreciation was withheld between Nov. 2, 2019, and May 15, 2025.

American Family Mutual Insurance Co. is an insurance company that offers a variety of insurance products, including auto, home, life, health and business insurance.

According to a class action lawsuit, American Family improperly deducted nonmaterial depreciation when adjusting structural loss claims. The plaintiff argues this practice violates the terms of American Family’s insurance policies.

American Family has not admitted any wrongdoing but agreed to pay an undisclosed sum to resolve these allegations.

Under the terms of the American Family Mutual Insurance settlement, class members can receive a cash payment based on the amount of nonmaterial depreciation that was withheld from their actual cash value payments.

Class members who had nonmaterial depreciation withheld from their actual cash value payments but later had this depreciation paid can receive a payment of $10 to $200, depending on the amount of nonmaterial depreciation that was withheld.

The deadline for exclusion and objection is Sept. 17, 2025.

The final approval hearing for the settlement is scheduled for Oct. 17, 2025.

To receive a settlement payment, class members must submit a valid claim form by Dec. 1, 2025.

A similar settlement was recently finalized for Arizona properties.

Who’s Eligible

The settlement benefits Wisconsin policyholders of American Family Insurance who made a structural loss claim under Coverage A or Coverage B of their policy, had an Xactimate estimate used in determining their actual cash value payment and had nonmaterial depreciation withheld from their payment between Nov. 2, 2019, and May 15, 2025.

Potential Award

$10 to $200

Proof of Purchase

Policy number and/or claim number

Claim Form

NOTE: If you do not qualify for this settlement do NOT file a claim.

Remember: you are submitting your claim under penalty of perjury. You are also harming other eligible Class Members by submitting a fraudulent claim. If you’re unsure if you qualify, please read the FAQ section of the Settlement Administrator’s website to ensure you meet all standards (Top Class Actions is not a Settlement Administrator). If you don’t qualify for this settlement, check out our database of other open class action settlements you may be eligible for.

Claim Form Deadline

12/01/2025

Case Name

Martin, et al. v. American Family Mutual Insurance Co. SI, et al., Case No. 2025-LA-0000021, in the Tenth Judicial Circuit Court in Peoria County, Illinois

Final Hearing

10/17/2025

Settlement Website

HallDepreciationSettlement.com

Claims Administrator

Hall v. American Family Administrator
PO Box 2895
Portland, OR 97208-2895
888-857-6848

Class Counsel

Erik Peterson
PETERSON LAW OFFICES PSC

Brandon McWherter
MCWHERTER SCOTT BOBBITT PLC T.

Joseph Snodgrass
SNODGRASS LAW LLC

Robert Hanauer
HANAUER LAW OFFICE LLC

Defense Counsel

James B. Ziemer
ZIEGLER & ZIEMER LLP

James M. Campbell
CAMPBELL DODGSON S.C.

Katherine M. Zubrensky
QUARLES & BRADY LLP