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Those who meet eligibility criteria should apply before the deadline February 6, 2026.
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West Bend Mutual Insurance Company Class Action Lawsuit
A class action lawsuit has been filed against West Bend Mutual Insurance Company due to allegations it improperly reduced property insurance claim payments. The West Bend Mutual Insurance class action case focuses on how the insurer calculated actual cash value (ACV) payments for structural damage claims.
According to the West Bend Mutual Insurance lawsuit details, the company allegedly deducted “non-material depreciation,” including labor costs, overhead, and profit, when adjusting property damage claims using Xactimate software. Plaintiffs claim these deductions were not allowed under certain policy terms and resulted in policyholders receiving less money than they were owed.
The lawsuit, No Joke, Inc. v. West Bend Mutual Insurance Company, was filed in early 2025 in the Tenth Judicial Circuit Court of Peoria County, Illinois (Case No. 2025-LA-0000153). No Joke, Inc. brought the case on behalf of affected policyholders in Illinois, Kentucky, Missouri, Ohio, Tennessee, Virginia, and Wisconsin. After litigation and negotiations, the parties reached a settlement in 2025, approximately one year after the case was filed.
Under the settlement documents, West Bend Mutual Insurance legal claims are resolved through payments tied to previously withheld depreciation amounts, plus interest for eligible claimants.
According to the West Bend Mutual Insurance lawsuit details, the company allegedly deducted “non-material depreciation,” including labor costs, overhead, and profit, when adjusting property damage claims using Xactimate software. Plaintiffs claim these deductions were not allowed under certain policy terms and resulted in policyholders receiving less money than they were owed.
The lawsuit, No Joke, Inc. v. West Bend Mutual Insurance Company, was filed in early 2025 in the Tenth Judicial Circuit Court of Peoria County, Illinois (Case No. 2025-LA-0000153). No Joke, Inc. brought the case on behalf of affected policyholders in Illinois, Kentucky, Missouri, Ohio, Tennessee, Virginia, and Wisconsin. After litigation and negotiations, the parties reached a settlement in 2025, approximately one year after the case was filed.
Under the settlement documents, West Bend Mutual Insurance legal claims are resolved through payments tied to previously withheld depreciation amounts, plus interest for eligible claimants.
Lawsuit Name
No Joke, Inc. v. West Bend Mutual Insurance Company
Court
Tenth Judicial Circuit Court of Peoria County, Illinois
Case Number
2025-LA-0000153
Judge
Presiding Judge, Tenth Judicial Circuit Court
Plaintiffs
No Joke, Inc., on behalf of similarly situated policyholders
Defendants
West Bend Mutual Insurance Company
Key Allegation
Improper deduction of non-material depreciation from property damage insurance claim payments.
West Bend Mutual Insurance Company Class Action Settlement - $20,000,000
The latest West Bend Mutual Insurance settlement update is that the parties reached a proposed class settlement in No Joke, Inc. v. West Bend Mutual Insurance Company (Case No. 2025-LA-0000153, Peoria County, Illinois).
The West Bend Mutual Insurance settlement eligiblity criteria generally includes people who had a West Bend property policy, made a structural loss claim in IL, KY, MO, OH, TN, VA, or WI during the class periods (March 29, 2020 - June 30, 2022 for all but Missouri which has a longer period starting March 29, 2012), had an Xactimate estimate used, and had non-material depreciation withheld from their ACV payment (or it reduced the claim below the deductible).
Instead of a fixed “pot,” this is a claims-made deal: eligible claimants can receive 100% (IL/KY/MO/OH/TN) or 80% (VA/WI) of withheld non-material depreciation plus 5% simple interest (through July 1, 2025); if depreciation was later repaid, set payments range $25–$500.
Because payouts depend on participation, a practical way to estimate the West Bend Mutual Insurance lawsuit settlement amount is:
(# approved claims) × (average withheld depreciation + interest). Industry data suggests tens of thousands of potentially eligible claims. Eligible claims involve withheld non-material depreciation which often ranges from $500 to $10,000+ per claim. Using thousands of eligible claims across seven states and typical per-claim recoveries in the hundreds to low-thousands, a reasonable range is tens of millions of dollars overall. Higher participation rates thanks to consumer protection companies like Chimo can push the total liability well beyond $50 million.
Attorney fees in this case are paid seperately and will not reduce claimant payouts.
The West Bend Mutual Insurance settlement eligiblity criteria generally includes people who had a West Bend property policy, made a structural loss claim in IL, KY, MO, OH, TN, VA, or WI during the class periods (March 29, 2020 - June 30, 2022 for all but Missouri which has a longer period starting March 29, 2012), had an Xactimate estimate used, and had non-material depreciation withheld from their ACV payment (or it reduced the claim below the deductible).
Instead of a fixed “pot,” this is a claims-made deal: eligible claimants can receive 100% (IL/KY/MO/OH/TN) or 80% (VA/WI) of withheld non-material depreciation plus 5% simple interest (through July 1, 2025); if depreciation was later repaid, set payments range $25–$500.
Because payouts depend on participation, a practical way to estimate the West Bend Mutual Insurance lawsuit settlement amount is:
(# approved claims) × (average withheld depreciation + interest). Industry data suggests tens of thousands of potentially eligible claims. Eligible claims involve withheld non-material depreciation which often ranges from $500 to $10,000+ per claim. Using thousands of eligible claims across seven states and typical per-claim recoveries in the hundreds to low-thousands, a reasonable range is tens of millions of dollars overall. Higher participation rates thanks to consumer protection companies like Chimo can push the total liability well beyond $50 million.
Attorney fees in this case are paid seperately and will not reduce claimant payouts.
Deadline for filing a claim: February 6, 2026
West Bend Mutual Insurance Claims Class Action Payout: $25-$5000+
Many policyholders are eager to know what the West Bend Mutual Insurance settlement amount is per person and when payments will arrive. While there is no fixed fund, payouts are based on how much non-material depreciation was improperly withheld from each claim.
Claimants in this settlement may receive between $25 and several thousand dollars, depending on the amount of depreciation withheld, the state of the claim, and interest owed. In some cases, payments willexceed $5,000.
If you’re wondering how much will I get from the West Bend Mutual Insurance lawsuit, key factors include:
- Amount of non-material depreciation withheld
- State where the policy was issued (100% vs. 80% recovery)
- Whether depreciation was later repaid
- Claim documentation and eligibility review
Payments may include an interest component (5% simple interest), which is typically reported separately from the principal amount. It's important to retain documents come tax season.
The West Bend Mutual Insurance settlement payout date depends on final court approval and claim review which is scheduled January 7, 2026. Payments are expected shortly thereafter once the claim window closes.
Claimants in this settlement may receive between $25 and several thousand dollars, depending on the amount of depreciation withheld, the state of the claim, and interest owed. In some cases, payments willexceed $5,000.
If you’re wondering how much will I get from the West Bend Mutual Insurance lawsuit, key factors include:
- Amount of non-material depreciation withheld
- State where the policy was issued (100% vs. 80% recovery)
- Whether depreciation was later repaid
- Claim documentation and eligibility review
Payments may include an interest component (5% simple interest), which is typically reported separately from the principal amount. It's important to retain documents come tax season.
The West Bend Mutual Insurance settlement payout date depends on final court approval and claim review which is scheduled January 7, 2026. Payments are expected shortly thereafter once the claim window closes.
Insurance Underpayment Class Action Payouts
$1,200
$800
$500
Average Payouts
West Bend Mutual Insurance Claims Class Action Eligibility
To confirm West Bend Mutual Insurance class action eligibility, the settlement administrator compares your claim form answers against West Bend’s internal records. This step ensures only valid West Bend Mutual Insurance class action claimants receive payment.
Expect the claim form to ask:
- Your name and contact information
- Policy number and claim number
- Address of the insured property
- Date of loss
- Whether West Bend used an Xactimate estimate for your claim
- Whether non-material depreciation (labor, overhead, or profit) was deducted
- Whether you’re filing as the policyholder or an authorized representative
According to court documents, these questions matter because the lawsuit is narrowly focused on how West Bend configured specific Xactimate depreciation settings, such as “depreciate non-material” and “depreciate O&P.” Claims without Xactimate estimates—or policies that explicitly allowed labor depreciation—are excluded.
A unique aspect of this case is that eligibility can still exist even if you received no ACV payment, as long as depreciation caused your claim to fall below the deductible. That detail has allowed additional policyholders to qualify who might otherwise assume they’re excluded.
If you are unsure if you are eligible, it may be worth to apply and have the claim administrator evaluate.
Expect the claim form to ask:
- Your name and contact information
- Policy number and claim number
- Address of the insured property
- Date of loss
- Whether West Bend used an Xactimate estimate for your claim
- Whether non-material depreciation (labor, overhead, or profit) was deducted
- Whether you’re filing as the policyholder or an authorized representative
According to court documents, these questions matter because the lawsuit is narrowly focused on how West Bend configured specific Xactimate depreciation settings, such as “depreciate non-material” and “depreciate O&P.” Claims without Xactimate estimates—or policies that explicitly allowed labor depreciation—are excluded.
A unique aspect of this case is that eligibility can still exist even if you received no ACV payment, as long as depreciation caused your claim to fall below the deductible. That detail has allowed additional policyholders to qualify who might otherwise assume they’re excluded.
If you are unsure if you are eligible, it may be worth to apply and have the claim administrator evaluate.
You had a personal or commercial property insurance policy issued by West Bend Mutual Insurance
You filed a structural loss claim (home, building, condo, rental, or other structure)
The property was located in Illinois, Kentucky, Missouri, Ohio, Tennessee, Virginia, or Wisconsin
Your date of loss fell within the class period
West Bend used an Xactimate estimate to calculate your claim
Non-material depreciation (such as labor, overhead, or profit) was withheld from your ACV payment, or the withholding caused your claim to fall below the deductible, resulting in no ACV payment
Your claim was not excluded by policy language expressly allowing labor depreciation
West Bend Mutual Insurance Claims Class Action Claim Form
The West Bend Mutual Insurance Claims class action claim form is quick and simple with Chimo. Some settlements take longer due to court approval, appeals, or fraud checks, but Chimo streamlines the process so you can get your share fas. Here's how to file a claim against West Bend Mutual Insurance Claims:
1
Check eligibility now by answering a few quick questions
2
Tell us where you want your check sent
3
Submit your form before February 6, 2026
You'll receive confirmation and updates on your claim status.
FAQ
The lawsuit alleges West Bend improperly reduced property claim payouts by depreciating labor and other non-material costs when calculating ACV payments.
This case focuses on specific Xactimate software settings, such as “depreciate non-material” and “depreciate O&P,” used to lower claim payments. Xactimate is specifically referenced because the alleged underpayments came from how certain depreciation options were configured inside the software, not from manual adjuster errors.
No proof of repairs is required. Eligibility is determined using West Bend’s claim records and your claim form information.
Yes. You may still be eligible if depreciation reduced your claim below the deductible, resulting in no ACV payment at all.
Under the settlement, most states allow recovery of 100% of withheld depreciation, while Virginia and Wisconsin claimants recover 80%, plus interest.
Yes. If an insurance claim was assigned to a contractor or roofer, the assignee may submit the claim form, provided documentation of the assignment is included.
You can file a separate claim form for each eligible loss, potentially increasing your total settlement payment.
Roof claims are included if they qualify as structural losses and had non-material depreciation withheld from the ACV calculation.
Missouri has a longer class period dating back to 2012 due to differences in state insurance law and prior legal precedent on depreciation.
If depreciation was later paid, you may still qualify for a flat settlement payment based on the original amount withheld.
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