If your Missouri home or property was insured by Liberty Insurance Corporation (“Liberty”) and you made a claim to Liberty for Structural Loss to your personal property between August 31, 2013, and October 31, 2022, this class action settlement may affect your rights.

A Class Action Lawsuit, Michele Whiting v. Liberty Ins. Corp., No. 24SL-CC07052, has been filed in the Circuit Court of St. Louis County, Missouri.

A Proposed Settlement has been reached in a class action about whether Defendant properly deducted Nonmaterial Depreciation when adjusting certain Structural Loss claims in Missouri.

You may qualify for payment if you timely submit a valid Claim Form. Your legal rights are affected whether you act or do not act. You must submit a valid Claim Form to receive payment as part of this settlement.

YOUR LEGAL RIGHTS AND OPTIONS UNDER THIS SETTLEMENT:
Submit a Claim Form The only way to get a payment if you qualify. The deadline to submit a claim is July 7, 2025
Ask to be Excluded You get no payment. This is the only option that allows you to ever be part of any other lawsuit against Liberty over the legal claims in this case.
Object Write to the Court about why you do not agree with the Settlement.
Go to the Hearing Ask to speak in Court about the Settlement.
Do Nothing You get no payment. You give up rights.

These rights and options—and the deadlines to exercise them—are further explained on the Frequently Asked Questions (FAQs).

Current Status

The Final Approval Hearing was held and the Court entered a Final Order and Judgment Approving Class Settlement on May 21, 2025. The Court's Final Order and Judgment Approving Class Settlement can be accessed on the Documents page.

Important Dates
  • August 31, 2013 – October 31, 2022
    Class Period
  • April 21, 2025
    Deadline to Exclude Yourself from the Settlement
  • April 21, 2025
    Deadline to Object to the Settlement
  • May 21, 2025, 08:30 AM Central Daylight Time
    Final Approval Hearing
  • July 7, 2025
    Deadline to Submit a Claim Form

Submit a Claim Form