Key facts
- Oklahoma has sued Allstate, accusing the insurer of underpaying or denying claims for wind and hailstorm damage.
- The lawsuit alleges Allstate has used restrictive standards since at least 2020 to reduce claim payouts.
- Oklahoma claims Allstate replaced licensed adjusters with unlicensed personnel who routinely deny coverage.
- Allstate held an 8.14% share of Oklahoma's property and casualty insurance market in 2025.
- The suit seeks unspecified damages and civil fines for violations of consumer protection and anti-racketeering laws.
Oklahoma has filed a lawsuit against Allstate, accusing the insurance company of systematically underpaying or denying claims for damage caused by wind and hailstorms over several years. The lawsuit, filed in Cleveland County District Court, alleges that since at least 2020, Allstate has "secretly" implemented restrictive standards in assessing policyholder claims, thereby lowering indemnity payments and increasing corporate profits.
According to the state's complaint, Allstate also stripped licensed adjusters of their authority to approve coverage for storm damage, replacing them with unlicensed "picture takers" and reviewers who frequently deny claims. Oklahoma Attorney General Gentner Drummond stated that insurers must be there for policyholders when disaster strikes and that prioritizing profits over policyholders ultimately harms hardworking families.
Allstate, headquartered in Northbrook, Illinois, is the fourth-largest property and casualty insurer nationwide. In Oklahoma, the company held an 8.14% share of the property and casualty insurance market in 2025, with $219.1 million in premiums written. The state is seeking unspecified damages and civil fines for alleged violations of Oklahoma's consumer protection and anti-racketeering laws.