LossAlert Owner

Turn property setup into clear readiness in minutes.

LossAlert Owner is a web app for property owners to create an account, add a property, attach insurance policy context, and understand whether the property is simply being monitored or is ready for a loss-related next step. It reduces confusion by showing a clear state, missing setup items, and the next action after signup, policy upload, roof review, and property confirmation.

Business Goals

  • Reach 35% signup-to-property-created conversion within 90 days of launch.
  • Increase owner onboarding completion from account creation to dashboard-ready state to 55% within 6 months.
  • Reduce support tickets about onboarding, policy upload, and property status by 30% in 4 months.
  • Achieve 25% of activated owners completing a policy upload or explicit skip decision within the first session.
  • Maintain 99.9% uptime for the owner onboarding and property dashboard experience.

User Goals

  • Create or access an owner account quickly with clear validation.
  • Add a property and confirm the correct address suggestion.
  • Upload an insurance policy PDF or intentionally skip with a visible next step.
  • Review roof details, estimate context, and understand source confidence.
  • See whether the property is in monitoring, readiness, or needs attention state.

Non-Goals

  • Filing or adjudicating a claim without a relevant recent loss event.
  • Replacing a full policy administration system or CRM.
  • Providing contractor dispatch, repair scheduling, or payment processing in MVP.
  • Automating legal or underwriting decisions for insurers.

Property Owner Dana, 52 - Dana owns one single-family rental and wants to understand whether the property is properly set up in LossAlert without learning a complex claims workflow. Dana needs a simple path from sign-up to a clear property status.

Property Owner Dana, 52

  • As a property owner, I want to create an account and verify my email, so that I can securely access my property dashboard.
  • As a property owner, I want to add my property address and confirm the suggestion, so that I know the right property is being tracked.
  • As a property owner, I want to upload or skip policy setup with a visible reminder, so that I can finish later without losing track.

Operations Manager Luis, 38 - Luis manages several properties and needs to spot incomplete setup, policy gaps, and roof data issues quickly. He values a dashboard that makes missing information obvious.

Operations Manager Luis, 38

  • As an operations manager, I want each property card to show readiness and missing items, so that I can prioritize follow-up.
  • As an operations manager, I want roof details and estimate confidence to be visible, so that I can judge whether the data is usable.
  • As an operations manager, I want to return to the dashboard and see the latest state after refresh, so that I trust the system saved my work.

Claims Intake Specialist Priya, 31 - Priya supports owners who may later have a qualifying loss event. She needs the owner-side setup to be clean so that only relevant properties proceed to loss workflows.

Claims Intake Specialist Priya, 31

  • As a claims intake specialist, I want the property to clearly indicate monitoring versus potential loss state, so that I do not treat an uneventful property as a claim.
  • As a claims intake specialist, I want source notes attached to roof estimates, so that I can explain where the data came from.
  • As a claims intake specialist, I want missing policy or roof details to be explicit, so that I can tell the owner exactly what to provide next.

Account Creation and Authentication · High priority

  • Support secure owner signup, email verification, and session persistence so users can access the dashboard without friction.
  • Allow sign up with email, password, and required consent fields.
  • Send verification email or code and prevent full access until verification is completed.
  • Keep the user signed in after reload and return them to the last authenticated route.
  • Show field-level validation for invalid email, weak password, missing terms acceptance, and duplicate accounts.

Property Setup and Address Capture · High priority

  • Let owners create or select a property by address and confirm the normalized property record.
  • Provide address autocomplete with suggestion selection and manual entry fallback.
  • Confirm property creation with a saved state visible immediately after submit.
  • Associate the property with the signed-in owner account and persist it across sessions.
  • Handle ambiguous or partial addresses with inline clarification and no silent creation.

Storm-Damage Path Selection · High priority

  • Capture whether the property has known recent storm damage to route users into monitoring or loss-oriented readiness flows.
  • Ask a binary question about known recent storm damage during onboarding or property setup.
  • Use the answer to determine whether the property stays in monitoring mode or enters a loss-oriented path.
  • Require explicit confirmation before showing claim-like next steps.
  • Preserve the chosen branch on dashboard refresh and when returning from other pages.

Policy Upload and Review · High priority

  • Allow owners to upload an insurance policy PDF or skip with a clearly visible missing-task state.
  • Accept PDF uploads and show upload, processing, linked, or extracted states.
  • Parse and store basic policy metadata such as carrier name, policy number, and effective dates when available.
  • Offer skip or do-later with a persistent reminder on the property card.
  • Show upload errors for unsupported file types, oversized files, or failed extraction.

Roof Details and Status Dashboard · Medium priority

  • Display roof details, estimate context, and clear status cards so owners understand readiness and next actions.
  • Show material, roof size, price estimate, confidence score, and source notes when available.
  • If roof data is missing, show a specific explanation and the action needed to complete it.
  • Expose property cards with monitoring, readiness, missing setup item, or potential loss state.
  • Support navigation between dashboard, property detail, estimate panel, and onboarding steps.

First-Time Owner Setup

  • User lands on sign-in or landing page and chooses create account or sign in.
  • User completes signup or returns through verification email or code.
  • User lands on onboarding or dashboard and sees a clear next action.
  • User adds a property using address autocomplete and confirms details.
  • User selects the storm-damage answer for this run and uploads policy or skips.
  • Time to first visible property status should be under 3 minutes for a returning user and under 6 minutes for a new user.

1. Create Account

  • The owner creates an account with minimal required fields and verifies email if prompted.
  • Inline validation must explain missing fields before submit.
  • Verification link or code should route back into authenticated onboarding.
  • Reloading after verification should preserve the signed-in session.

2. Start Onboarding or Continue Setup

  • After login, the app should tell the user exactly where they are and what remains.
  • If onboarding is incomplete, show the current step and one primary action.
  • If the dashboard is already available, surface Add property or Continue setup prominently.
  • Do not hide incomplete tasks behind menus.

3. Add Property

  • The owner enters an address, chooses the correct suggestion, and confirms the property.
  • Autocomplete should support partial street input and display normalized address data.
  • If the address is ambiguous, ask the user to select the correct result before saving.
  • Save immediately and show confirmation that the setup step completed.

4. Set Damage Path and Policy State

  • The user answers the recent storm damage question and uploads or skips policy information.
  • A No answer should keep the property in monitoring or readiness mode.
  • A Yes answer should route to the relevant loss-oriented branch without claiming a loss event exists.
  • Skip must create a visible missing-policy task rather than completing setup silently.

5. Review Roof and Return to Dashboard

  • The owner opens roof details or estimate information, then returns to the property card for a final status check.
  • Show source notes and confidence so the user can judge reliability.
  • If roof details are missing, show what data is needed and where to provide it.
  • Dashboard return should preserve the latest state and next action after refresh.

Power User and Edge Case Support

  • Multiple properties per account with independent readiness states.
  • Editable property details with audit history for address and policy changes.
  • Confidence-based roof estimate panels with source annotations.
  • Graceful handling for uploaded policy extraction failures and unsupported PDFs.
  • Session recovery after email verification, refresh, or browser back navigation.

Readable, Trustworthy Property Status UI

  • Use a clear status card color system for monitoring, readiness, missing setup, and potential loss states.
  • Always pair status with a plain-language next action.
  • Make all primary actions reachable within one screen on desktop and mobile.
  • Ensure form controls have labels, inline errors, keyboard navigation, and screen-reader-friendly status updates.
  • Keep dashboard load fast with skeleton states and avoid blank screens during extraction or property refresh.

Dana signs up for LossAlert because she wants a simple way to understand whether one of her properties is set up correctly and ready for whatever happens next. After verifying email, she adds the property address, confirms the correct suggestion, and sees a clear prompt asking whether there was known recent storm damage.

Dana chooses the monitoring path, uploads a sample policy PDF, and opens the roof details panel to review material, size, estimate, and confidence. When she returns to the dashboard, the property card clearly shows the current state, one missing item if applicable, and the next action she should take.

Instead of guessing whether the property is ready or accidentally starting a claim workflow, Dana gets a trustworthy readiness view in minutes. That reduces confusion for her and gives the business a cleaner, more qualified path into downstream loss handling.

User-Centric Metrics

  • 80% of new owners complete account creation and email verification on the first attempt.
  • 70% of users who start onboarding reach a saved property record within one session.
  • 60% of users can identify the property status and next action correctly in usability testing.
  • Less than 10% of users encounter unresolved form errors during signup or property creation.
  • Policy upload median processing time under 30 seconds for standard PDFs.

Business Metrics

  • 35% signup-to-property-created conversion within 90 days.
  • 55% onboarding completion to dashboard-ready state within 6 months.
  • 30% reduction in onboarding-related support tickets within 4 months.
  • 25% of activated accounts add a policy document or explicit skip decision in the first session.
  • 15% month-over-month growth in accounts with at least one fully configured property after launch.

Technical Metrics

  • 99.9% monthly uptime for authentication, property setup, and dashboard services.
  • p95 page load under 2.5 seconds on broadband desktop and under 4 seconds on mobile.
  • 99% success rate for verification email delivery tracking and resend handling.
  • Zero critical security incidents and quarterly dependency vulnerability scans with remediation under 14 days.

Tracking Plan

  • Track signup_started, signup_submitted, and signup_completed.
  • Track email_verification_sent, email_verification_opened, and email_verification_completed.
  • Track property_add_started, address_suggest_selected, and property_created.
  • Track storm_damage_answered with branch selected.
  • Track policy_upload_started, policy_upload_completed, policy_skipped, and policy_extraction_failed.
  • Track roof_details_viewed and roof_estimate_panel_opened.
  • Track dashboard_status_viewed with current state and missing item count.

Technical Needs

  • Frontend: Next.js with React and TypeScript for fast, SEO-friendly web delivery.
  • Backend API: Node.js with NestJS or Fastify for account, property, and workflow orchestration.
  • Database: PostgreSQL for users, properties, policy metadata, and audit records.
  • File handling: secure object storage such as AWS S3 for policy PDFs and extracts.
  • Authentication: session-based auth or JWT with secure cookies and email verification flows.
  • Search/autocomplete: address validation using a geocoding or postal normalization service.
  • Observability: structured logging, error tracking, and metrics via Datadog or OpenTelemetry.

Integration Points

  • Email delivery through SendGrid or Amazon SES for verification and notifications.
  • Address autocomplete and geocoding via Google Places, Mapbox, or Loqate.
  • Document storage and processing via AWS S3 and a PDF extraction service.
  • Identity/session management via Auth0, Clerk, or custom auth with verified email state.
  • Analytics via Segment, PostHog, or Amplitude for funnel tracking.

Data Storage & Privacy

  • Store only necessary owner data, property details, and policy metadata needed for readiness workflows.
  • Encrypt sensitive data in transit with TLS 1.2+ and at rest using cloud-managed encryption keys.
  • Treat policy PDFs as sensitive documents with restricted access, signed URLs, and short-lived download permissions.
  • Support GDPR and CCPA requests for export, deletion, and consent records.
  • Log access to property and policy records for auditability without storing full document contents in logs.

Scalability & Performance

  • Use CDN caching for static assets and reduce time-to-interactive on onboarding pages.
  • Queue policy extraction jobs asynchronously so uploads never block the UI.
  • Index properties by owner and normalized address to keep dashboard queries fast.
  • Design the app to support 10,000+ owners and linear growth in property count without schema changes.

Potential Challenges

  • Ambiguous or incorrect address selection can create the wrong property; mitigate with autocomplete confirmation and normalized preview.
  • Policy PDF extraction may fail on scanned or malformed files; mitigate with OCR fallback and a clear skip path.
  • Users may confuse monitoring with a claim; mitigate with plain-language state labels and explicit guardrails.
  • Email verification can delay activation; mitigate with resend, spam-folder guidance, and session persistence.
  • Roof estimate confidence may be misread as certainty; mitigate with source notes, confidence labels, and explanatory tooltips.

Team & resourcing - Small cross-functional team: 2 full-stack engineers, 1 designer, part-time PM, and shared QA/support.

Phase 1: Authentication and Basic Onboarding · Weeks 1-3

  • Owner signup and signin
  • Email verification flow
  • Persistent session handling
  • Onboarding shell with current-step guidance
  • Basic dashboard with empty-state next action

Phase 2: Property Setup and Readiness State · Weeks 4-6

  • Address autocomplete and property creation
  • Storm-damage branch question
  • Property card status states
  • Dashboard return path after refresh
  • Analytics instrumentation for onboarding funnel

Phase 3: Policy Upload and Roof Detail Review · Weeks 7-9

  • Policy PDF upload and storage
  • Extraction status and skip path
  • Roof details and estimate panel
  • Missing-data messaging and next actions
  • Accessibility and validation hardening

Phase 4: Quality, Scale, and Launch Readiness · Weeks 10-12

  • Performance optimization
  • Security review and consent record handling
  • Operational dashboards and alerting
  • Beta feedback fixes
  • Launch checklist and production rollout

Paste this into Cursor, Bolt, Lovable, or v0 to start building.

Build a web app called LossAlert Owner for property owners to create an account, verify email, add a property, upload or skip insurance policy documents, review roof estimate details, and see a clear property readiness state.

Use Next.js 14, React, TypeScript, Tailwind, PostgreSQL, and Prisma. Implement secure auth with email verification, persistent signed-in sessions, and role support for owner users.

Primary screens:
Landing/sign-in/sign-up
Email verification success/resend flow
Onboarding stepper with current step and primary action
Add property form with address autocomplete and normalized address confirmation
Property detail page with storm-damage question, policy upload/skip card, roof estimate panel, and status summary
Dashboard showing each property card with state: monitoring, readiness, missing setup item, or potential loss

Core behaviors:
Account creation with inline validation and terms acceptance
Verification email flow that returns user to the app after clicking the link
Add property via address autocomplete and save the property to the owner account
Ask whether the property has known recent storm damage and branch the UI accordingly
Allow PDF policy upload to S3 with processing state, or skip/do later with a persistent missing-task indicator
Show roof material, roof size, price estimate, confidence, and source notes when available
Preserve session and state after reload, browser back, and navigation between dashboard and property pages

Data model:
User(id, email, passwordHash, emailVerifiedAt, createdAt)
Property(id, ownerId, normalizedAddress, displayAddress, stormDamageKnown, status, nextAction, createdAt)
PolicyDocument(id, propertyId, fileUrl, status, extractedCarrier, policyNumber, effectiveDate, expirationDate, createdAt)
RoofEstimate(id, propertyId, material, roofSizeSqFt, estimatePrice, confidence, sourceNotes, createdAt)
AuditEvent(id, userId, propertyId, eventType, metadata, createdAt)

Include API routes or server actions for signup, verification, login, logout, create property, update storm damage answer, upload policy, skip policy, fetch dashboard, and fetch property details.

Make the UX very clear, accessible, and fast. Add loading skeletons, empty states, validation errors, and status badges. Use a clean property-management aesthetic with mobile-friendly forms and a strong next-action card on every property page.

Seed sample data for one property in monitoring state and one in missing-policy state. Add basic analytics hooks for signup, verification, property creation, policy upload, roof panel open, and dashboard view.

Business Idea

Protect My Property: Account, Property, Policy, And Readiness You are a property owner setting up LossAlert to monitor a property. You are not filing a claim unless the product shows the property has a relevant recent loss event. Owner onboardingProperty owner Why This journey proves an ordinary owner can get into LossAlert, add a property, provide enough policy and roof context, and understand the next action without needing internal product knowledge. Objective Create or access an owner account, complete the first property setup, choose the correct storm-damage path, upload or skip policy information, review roof details, and confirm the dashboard shows a clear monitoring or readiness state. What I should see The app clearly shows the property, its monitoring/readiness state, any missing setup item, and the next action the owner should take. Before you start Use the LossAlert owner web app for the environment being tested. Have a test email address ready. If the facilitator provides a verification email or code, use it when asked. Have one property address available. If possible, also test a property that recently had storm damage. Have a sample insurance policy PDF if the facilitator has provided one. If not, use the skip path and record what happens. What I do From the LossAlert landing or sign-in page, choose Create account/Sign up for a new owner, or Sign in if the owner account already exists. Fill every required field and accept terms if shown. Use the verification link or code if the app asks for email confirmation, then sign in and reload the page once. If the app lands on onboarding, continue from the first setup step. If it lands on the dashboard, use Add property or Continue setup. From onboarding or the dashboard, choose Add property, enter the address, select the correct suggestion if offered, and confirm the property details. When asked whether this property has known recent storm damage, choose the answer assigned for this run. Use No for the monitoring path; use Yes only when testing a damaged-property path. From the onboarding policy step, property page, or next-action card, choose Upload policy or Policy review. Upload the sample PDF if available; otherwise choose Skip or Do later and record the next action. From the property page, open the roof details, roof estimate, or estimate panel. Review material, roof size, price, confidence, and source notes. If no panel exists, record where the app tells you to provide roof details. Return to the dashboard or property page using the sidebar, dashboard link, or browser back button. Inspect the property card, status, and next action. Journey evidence Journey steps and results 1Owner signup/signup What I do From the LossAlert landing or sign-in page, choose Create account/Sign up for a new owner. Fill every required field and accept terms if shown. What I should see Valid details move you toward email confirmation, onboarding, or the owner dashboard. Missing or invalid fields show clear validation. Email confirmation and Owner signinVerification email, then dashboard/signin/onboarding/ What I do Click the verification link or code sent to the email used in signup page. The link redirects to LossAlert signin page. Signin with the id used to create the account. What I should see You land on the owner dashboard or onboarding flow, and after reload you remain signed in. Owner onboarding entry/onboarding or dashboard next-action card What I do If the app lands on onboarding, continue from the first setup step. If it lands on the dashboard, use Add property or Continue setup. What I should see The page explains the current setup step and provides a visible way to continue. Policy upload or skip/onboarding/policy-upload, policy step, or property next-action card What I do From the onboarding policy step, property page, or next-action card, choose Upload policy or Policy review. Upload the sample PDF if available; otherwise choose Skip or Do later and record the next action. What I should see Uploaded policy shows a processing, linked, or extracted state. Skipping leaves a clear missing-policy task instead of silently completing setup. Add property/onboarding/add-property or Add property What I do From onboarding or the dashboard, choose Add property, enter the address, select the correct suggestion if offered, and confirm the property details. What I should see The property is created or selected, and the app shows that setup saved. Storm-damage branchAdd property flow What I do When asked whether this property has known recent storm damage, choose the answer assigned for this run. Use No for the monitoring path; use Yes only when testing a damaged-property path. What I should see No damage keeps the property in Roof details and estimateProperty detail, roof/estimate panel, or claim estimate area What I do From the property page, open the roof details, roof estimate, or estimate panel. Review material, roof size, price, confidence, and source notes. If no panel exists, record where the app tells you to provide roof details. What I should see Roof details are either visible with understandable source/confidence, or the app clearly says what is missing and what to do next. Dashboard or property overview/dashboard, /overview, or property page What I do Return to the dashboard or property page using the sidebar, dashboard link, or browser back button. Inspect the property card, status, and next action. What I should see The property appears with a clear monitoring, readiness, potential loss, or claim next-action state.

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