Homeowners Sue State Farm, Travelers, and Progressive Over Insurance Changes

Schall Law Firm investigating claims of deductible hikes and policy changes without consent

Feb. 3, 2026 at 7:15pm

Got story updates? Submit your updates here. ›

The Schall Law Firm has launched an investigation into claims that major homeowners insurance providers State Farm, Travelers, and Progressive secretly increased deductibles and changed policy terms without properly informing or obtaining consent from policyholders. The firm is looking into potential breaches of the covenant of good faith and fair dealing, as well as other potential legal claims.

Why it matters

This investigation highlights growing tensions between insurance companies and homeowners, as providers look to shift more costs onto policyholders, especially for weather-related damage claims. It raises questions about transparency and consumer protections in the insurance industry.

The details

According to the Schall Law Firm, the investigation focuses on instances where insurers created separate, much higher deductibles for wind, tornado, and hail damage, as well as switched policies from 'replacement cost' to 'cash value', which pays out based on depreciated home and belonging values. The firm alleges the insurers did not adequately inform policyholders of these changes or seek their consent.

  • The Schall Law Firm announced the investigation on February 3, 2026.

The players

Schall Law Firm

A national litigation firm leading the investigation into insurance companies' policy changes.

State Farm

One of the major homeowners insurance providers named in the investigation.

Travelers

One of the major homeowners insurance providers named in the investigation.

Progressive

One of the major homeowners insurance providers named in the investigation.

Got photos? Submit your photos here. ›

What they’re saying

“If you have a homeowner policy issued by any of the Insurers, and you were surprised with a higher than expected deductible payment when submitting a claim for weather-related damage or your homeowners insurance switched to a 'cash value' plan without your consent, click here to participate.”

— Brian Schall, Schall Law Firm (BusinessWire)

What’s next

The Schall Law Firm is encouraging affected homeowners to contact them to discuss their rights and potentially join the investigation.

The takeaway

This case highlights the need for greater transparency and consumer protections in the homeowners insurance industry, as providers appear to be making unilateral changes that shift more costs onto policyholders without their knowledge or consent.