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Allstate

Property risk · Case study

Allstate: track property hazards through each storm

Keep every property’s hazard file current, warn occupants before a forecast event and track each damaged property to a closed inspection.

By OneShot · Updated

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What the workflow produces

Property hazard file
Hazards
Resolved location, flood zone, declarations and permit history, each with source and date.
Exposure
Estimated loss exposure, the facts behind it and the ranked mitigation work.
Occupant notices
Approved preparation steps sent, delivery and replies before each event.
Inspection and closure
Inspector, findings, repair permit and the portfolio manager’s sign-off.

The documented problem

Allstate publishes an estimate of its catastrophe losses every month. For July 2026 it reported $682 million in estimated catastrophe losses across 23 events, with about 75% of the losses coming from two wind and hail events. For August it reported $748 million across 21 events, about half of it from a single wind and hail event. Catastrophe losses for July and August together came to $1.43 billion before tax.

The national record shows the same shape. NOAA counted 27 US weather and climate disasters in 2024 that each caused at least $1 billion in damage, about $182.7 billion in all; 11 were severe weather or hail events and six were tornado outbreaks. A handful of storms drive most of the loss, and which properties sit in their path changes from month to month. These are Allstate’s own estimates and NOAA’s national figures, not a measure of any other portfolio. The OneShot workflow below keeps each property’s hazard file current and carries it from the forecast to a closed inspection.

The OneShot solution

Property hazard files kept current through each event

Keep every property’s hazard file current, warn its occupants before a forecast event, and carry every damaged property through inspection to the portfolio manager’s sign-off.

Work enters the queue
A new or changed property, a severe weather alert covering it, a wildfire or earthquake nearby, or a disaster declaration for its county.
Decision owner
Portfolio manager; assigned inspectors record their findings
  1. 01

    Build the hazard file

    The OneShot agent resolves each address to one verified location, then looks up its flood zone, the disaster declarations for its county and the building permits recorded against it: roof replacements, electrical work and renovations. Each fact carries its source and date; an address that will not resolve goes to the portfolio manager.

  2. 02

    Estimate loss exposure

    Its prediction tool estimates each property’s loss exposure from the hazard file and the portfolio’s own claims history, and names the facts that drove the estimate, such as an old roof in a hail-prone county. Its solver then ranks the inspections and mitigation work that cut the most exposure within the season’s budget and crew capacity.

  3. 03

    Watch for events

    Check severe weather alerts, active wildfires and recent earthquakes against every property on a schedule, and more often while a storm is forecast. Match each alert to the properties inside its area and reopen their files.

  4. 04

    Warn the occupants

    When a forecast event reaches a property, text its occupants the preparation steps the portfolio manager approved, and mail a letter where there is time or no mobile number is on file. Record delivery and replies; questions about coverage, rent or relocation go to a person.

  5. 05

    Triage after the event

    Once the event has passed, list the properties inside its footprint, check whether a disaster declaration now covers the county and rank them for inspection by estimated exposure and occupant reports. Call occupants who have not replied to ask about visible damage, and send the ranked queue to the portfolio manager.

  6. 06

    Track each property to closure

    Book each inspection with the assigned inspector or contractor, chase overdue reports and record findings against the property. When repairs are done, check that the permit for the work appears on the building record, and keep the property open until the portfolio manager signs it off.

What counts as complete

Every property’s hazard file has been checked within the agreed interval, and every property inside an event’s footprint is inspected and signed off by the portfolio manager or recorded as unaffected with the evidence.

Decisions and exceptions

  • The exposure estimate informs the portfolio manager; it does not set a premium, a rent or a coverage decision.
  • Occupant notices use only approved wording; evacuation orders come from local authorities and are passed on, never issued.
  • An occupant reporting an injury or an unsafe building is told to contact emergency services and escalated to the portfolio manager at once.

What to measure

  • Hazard files checked within the interval
  • Occupants reached before the event
  • Time from event to inspection
  • Properties still open after an event, by age

Establish the baseline and review period before launch. Compare completed cases, unresolved work and reviewer corrections against the same scope.

The agent’s tool basket

OneShot gives its agents the tools to analyze records, communicate, research and act on authorized business data. The platform carries the workflow from the first action through to the recorded result.

  • Property portfolio records

    Read the property schedule, occupant contacts and claims history; record notices sent, inspection assignments, findings and the portfolio manager’s sign-off.

Workflow pricing

Scope the full workflow around your volume, business systems and required outcome.

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