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Oklahoma sued Allstate on Tuesday, accusing the insurer of underpaying or denying claims for wind and hail damage and of using restrictive standards since at least 2020 that "effectively predetermined outcomes" to lower indemnity payments. The state said Allstate "secretly" required those standards, stripped licensed adjusters of authority to approve storm-damage coverage and replaced them with unlicensed "picture takers" and reviewers who routinely deny coverage. Oklahoma said those practices conflict with the company's advertising that policyholders would be "in good hands" and protected from "mayhem." Attorney General Gentner Drummond said consumers pay premiums expecting protection when disaster strikes. Oklahoma filed the lawsuit on July 7 in Cleveland County District Court near Oklahoma City, seeking unspecified damages and civil fines under state consumer protection and anti-racketeering laws. Allstate did not immediately respond to requests for comment. The state noted that Oklahoma, part of Tornado Alley, reported Allstate held an 8.14% share of its property and casualty market in 2025, with $219.1 million of premiums written. Nationwide, the state said, Allstate ranks as the fourth-largest property and casualty insurer, behind State Farm, Progressive and Berkshire Hathaway.

Prepared by Emily Rhodes and reviewed by editorial team.