State Farm Lawsuits: What's Settled, What's Active, What Just Closed
State Farm - the largest U.S. home and auto insurer - faces a steady docket of claims-handling lawsuits. Right now that means two settlements with recently closed windows (Arkansas total-loss, deadline August 19, 2026; Missouri depreciation, April 2, 2026), an Oklahoma hail-claims case the state attorney general joined, and a California wildfire-claims investigation. Here is each one, verified.
Revisado Editorialmente — Contenido revisado en cuanto a exactitud utilizando investigación legal publicada, datos gubernamentales y registros judiciales verificados. Vea nuestra metodología
Reviewed by Leonard Goldberg, Editor · Last updated
The Cases That Matter in 2026
Total-loss valuations (Chadwick, Arkansas): when totaling cars, State Farm's valuation vendor applied a 'typical negotiation adjustment' that cut comparable-vehicle prices - systematically lowering payouts. Settled for $15,583,700.
Labor depreciation (Pregon, Missouri): State Farm allegedly depreciated labor and other non-material costs when paying actual-cash-value claims on damaged buildings - a practice several states' courts have rejected - settled for $25 million.
Hail claims (Hursh, Oklahoma): homeowners allege a coordinated 'Hail Focus Initiative' to limit roof payouts; the Oklahoma attorney general intervened in December 2025.
California wildfires: the insurance department opened a formal investigation into State Farm's handling of 2025 wildfire claims.
Case Details
Chadwick v. State Farm Mutual Automobile Insurance Co., E.D. Ark. No. 4:21-cv-01161 (final approval hearing July 15, 2026). Pregon v. State Farm Fire and Casualty Co., Missouri Circuit Court No. 24SL-CC03130 (administrator JND, pregon-v-statefarm.com, 877-206-2313). Hursh v. State Farm, Oklahoma (AG intervention December 2025).
Status: Two Claim Windows Just Closed - Two Fights Ongoing
Missouri depreciation (Pregon): claims closed April 2, 2026; the final approval hearing was March 3, 2026; distribution follows approval and any appeals.
Oklahoma hail (Hursh): active litigation with the AG involved - no settlement.
California wildfire handling: regulatory investigation plus individual bad-faith suits - no class fund.
Who Qualifies for Anything Now
The two settlements' windows are closed - filers wait for distribution; non-filers cannot join. What remains live:
• Oklahoma roof/hail denials: Hursh is active - affected homeowners should preserve denial letters and inspection reports and can seek counsel
• California wildfire claimants: document everything and file complaints with the Department of Insurance - the investigation runs on consumer records
• Any state: individual bad-faith and underpayment suits remain available on your own policy - most insurance attorneys review denials free
• Total-loss and labor-depreciation theories keep producing NEW class actions state by state - if your totaled-car payout or ACV building payment looks shaved, that is worth a consult regardless of these settlements
What These Cases Actually Pay
State Farm Litigation Timeline
- 1
2018 — Hale v. State Farm: $250M
The decades-long Avery saga ends with a $250M settlement mid-trial.
- 2
2021 — Chadwick Filed in Arkansas
Total-loss 'typical negotiation adjustment' class action; certified and settled for $15.58M.
- 3
2024 — Pregon Filed in Missouri
Labor-depreciation ACV class action; $25M settlement follows.
- 4
December 2025 — Oklahoma AG Joins Hursh
State intervention over the alleged 'Hail Focus Initiative' roof-claims program.
- 5
2026 — Windows Close, Wildfire Probe Runs
Pregon claims close April 2; Chadwick closes August 19; California's investigation continues.
Watch Out For
Insurance-settlement queries attract three traps:
'State Farm class action - everyone qualifies' posts
Each real settlement is state- and period-specific (Arkansas total-loss, Missouri ACV). Nationwide 'State Farm payout' promises are fabricated.
Claim-filing services for closed windows
Both 2026 deadlines have passed. Paying someone to 'still get you in' buys nothing - late claims aren't accepted.
Signing away bad-faith rights cheap
After storms and fires, quick releases circulate. A release signed for a fast partial payment can bar the exact claims these lawsuits vindicate - read before signing, or have a lawyer do it free.
State Farm Lawsuit - FAQ
Is there a State Farm settlement I can still claim?
Not today. The two 2026 settlements closed their claim windows on April 2 (Missouri Pregon) and August 19 (Arkansas Chadwick). Filers wait for distribution; new claimants cannot join.
What was the Arkansas total-loss settlement?
Chadwick v. State Farm ($15.58M): Arkansas total-loss claims from Nov 29, 2016 - Oct 18, 2021 whose valuations used a 'typical negotiation adjustment'. Valid claims recover ~68% of the adjustment, averaging about $489.
What is the Missouri Pregon settlement?
A $25M deal over labor/non-material depreciation deducted from actual-cash-value payments on Missouri structural claims (losses June 5, 2012 - October 2017). Claims closed April 2, 2026; payments follow approval and appeals.
What is the 'Hail Focus Initiative' case?
Hursh v. State Farm in Oklahoma alleges a coordinated program to limit roof/hail payouts; the Oklahoma attorney general intervened in December 2025. Active litigation - no settlement, no fund.
What about State Farm and the California wildfires?
The California Department of Insurance opened a formal investigation into wildfire-claims handling; individual bad-faith suits are running in parallel. Affected policyholders should document and file DOI complaints - that record drives both tracks.
My totaled-car payout looks low - what can I do?
Demand the full valuation report and check for adjustments to comparable-vehicle prices. The TNA theory has now produced settlements in several states - an insurance attorney can tell you free whether your state has an active case.
Has State Farm admitted wrongdoing in any of this?
No - both 2026 settlements deny liability, and the Oklahoma and California matters are unresolved. The 2018 $250M Hale settlement likewise ended without an admission.
Separate from this case: were you injured in the last 2 years?
Class-action payouts are fixed amounts through an administrator. A personal injury claim is a different case — and often worth far more. Free estimate, no obligation.