The Condominiums at Northpointe Association, et al. v. State Farm Fire and Cas. Co.
Northpointe v. State Farm Settlement
Case No. 1:16-CV-01273-CAB

Welcome to the Northpointe v. State Farm Settlement Website

If you made a claim to State Farm for structural damage to a dwelling or other structure located in Ohio based on a loss that occurred on or after April 22, 2015 through approximately August 2017, and you received a payment or an estimate for damage repair from State Farm, this class action settlement may affect your rights.

IMPORTANT UPDATE: On June 3, 2024, settlement payments were mailed to eligible claimants. 

What is this lawsuit about?

This lawsuit is about whether State Farm breached its Ohio insurance policies by applying depreciation to the estimated costs of labor and other non-material costs in calculating actual cash value ("ACV") payments. Plaintiffs contend that such depreciation resulted in Plaintiff and the Class being underpaid and was a breach of the insurance contracts.

State Farm denies that its conduct breached the insurance contracts. State Farm contends that many policyholders received everything they were entitled to under their policy, including through payments for replacement cost benefits.

How do I know if I am part of the Settlement Class?

This settlement covers a Class of State Farm insureds who, according to Plaintiffs’ allegations, were underpaid because State Farm calculated ACV payments by applying depreciation to estimated labor and other non-material costs.

The settlement “Class,” consists of:

All persons and entities insured under a State Farm structural damage policy who: (1) made a structural damage claim for property located in the State of Ohio with a date of loss on or after April 22, 2015; and (2) received an actual cash value (“ACV”) payment on that claim from which estimated Non-Material Depreciation was withheld from the policyholder, or who would have received an ACV payment but for the withholding of estimated Non-Material Depreciation causing the loss to drop below the applicable deductible. 

If you are a member of the Class, you will automatically be included unless you take affirmative steps to exclude yourself.  Both current and former State Farm insureds can be part of this lawsuit. For more information on Class eligibility, please see FAQs 5-8.

What does the Settlement provide?

Class Members who fully complete a claim form (“Claimants”) and timely mail it to the proper address or upload it to this website may be eligible for payment. If you had more than one Covered Loss during the Class Period (on or after April 22, 2015 through approximately August 2017) then you may submit separate Claim Form(s) for those losses, but you must separately complete, sign and timely submit a separate Claim Form to be eligible for payment on each of those other losses in the event that the settlement is approved by the Court.


Option/Deadline Event
Submit a Claim Form
Deadline: August 24, 2023
The only way to get a payment if you qualify. For more information please see FAQ 10.


Ask to be Excluded
Deadline: June 24, 2023
You will receive no payment. This is the only option that allows you to ever be part of any other lawsuit against State Farm over the legal claims in this case. For more information on how to exclude yourself, please see FAQ 13.
Deadline: June 24, 2023
Write to the Court about why you don’t agree with the settlement. For more information on how to object to the settlement, please see FAQ 16.
Go to Hearing
Scheduled for 2:30 p.m. ET on July 25, 2023
Ask to speak in Court about the settlement. For more information on how to ask to attend the hearing, please see FAQ 23.
Do Nothing You will get no payment. You give up rights. For more information, please see FAQ 24.

For More Information

Visit this website often to get the most up-to-date information.

Northpointe v. State Farm Settlement
c/o JND Legal Administration
PO Box 91458
Seattle, WA 98111