LossAlert

Turn property setup into clear monitoring and readiness.

LossAlert is an owner-facing property monitoring app that helps a property owner create an account, add a property, review policy and roof context, and understand whether the property is simply being monitored or is ready for a claim workflow. It matters because owners should not be pushed into claim behavior unless the product has enough evidence of a relevant recent loss event.

Business Goals

  • Increase owner signup-to-property-created conversion to 70% within 90 days.
  • Reduce onboarding completion time to under 6 minutes median within 60 days.
  • Achieve at least 40% policy upload completion or documented skip completion within the first session within 90 days.
  • Drive 30% of active properties to return to the dashboard within 7 days after setup within 120 days.
  • Keep monthly support contacts about onboarding confusion below 3% of new-owner signups within 90 days.

User Goals

  • Create an owner account quickly and confirm access by email.
  • Add a property with a validated address and saved setup.
  • Upload a policy PDF or clearly skip it without losing progress.
  • See whether the property is in monitoring, readiness, or potential claim status.
  • Understand the next best action without needing internal LossAlert knowledge.

Non-Goals

  • Filing or adjudicating insurance claims end to end.
  • Replacing insurer policy administration or underwriting systems.
  • Performing a full roof inspection or engineering assessment.
  • Supporting tenant, contractor, or adjuster workflows in MVP.

Independent Owner Priya, 41 - Priya owns one rental house and one vacation property. She wants to know whether a property is ready for a claim conversation without getting lost in insurance jargon.

Independent Owner Priya, 41

  • As an owner, I want to create an account and verify my email, so that I can securely access my properties.
  • As an owner, I want to add a property and see its status clearly, so that I know what to do next.
  • As an owner, I want to upload a policy or skip it intentionally, so that I can finish setup even if I do not have the PDF handy.

Busy Portfolio Owner Daniel, 52 - Daniel manages several properties and only has a few minutes per property. He needs fast setup, clear missing-item flags, and consistent status labels across the dashboard.

Busy Portfolio Owner Daniel, 52

  • As a portfolio owner, I want repeated setup actions to be fast, so that I can onboard multiple properties in one sitting.
  • As a portfolio owner, I want clear property cards with next steps, so that I can prioritize the right property first.
  • As a portfolio owner, I want roof and policy context in one place, so that I can decide whether a property is ready for monitoring or escalation.

Claims-Aware Owner Sofia, 38 - Sofia recently noticed storm damage and wants to understand if the property should enter a claim-related path. She needs careful prompting so the app does not imply a claim before there is evidence.

Claims-Aware Owner Sofia, 38

  • As an owner, I want to mark whether recent storm damage is known, so that the app can route me to the right path.
  • As an owner, I want source notes and confidence on roof estimates, so that I can trust the information.
  • As an owner, I want the app to tell me when more information is missing, so that I do not make a claim-related decision too early.

Account Creation and Authentication · High priority

  • Enable new or returning owners to access LossAlert securely with a minimal signup and sign-in flow.
  • Support sign up with email, password, and required consent capture where applicable.
  • Send verification email with expiring link or one-time code and preserve session state after confirmation.
  • Keep users signed in after reload using secure session cookies or token refresh.
  • Show inline validation for invalid email, weak password, and missing required fields.
  • Route verified users either to onboarding or the dashboard based on setup state.

Property Setup · High priority

  • Let an owner add one or more properties from onboarding or the dashboard and persist property setup state.
  • Accept property address input with autocomplete and selectable suggestions.
  • Store a normalized property record after confirmation of address and details.
  • Capture whether the property has known recent storm damage and use the answer to route status.
  • Support save-and-resume so users can leave onboarding and return without losing progress.
  • Surface a clear saved state after property creation, including any missing setup item.

Policy Intake · High priority

  • Collect policy information through upload or intentional skip while preserving a visible missing-policy task when not provided.
  • Support PDF upload with file type and size validation.
  • Display processing state after upload, then linked or extracted policy status when ready.
  • Allow skip or do later with a required reason or recorded next action in the property timeline.
  • Show a persistent missing-policy indicator if the policy is not uploaded.
  • Prevent silent completion when policy is absent.

Roof Context and Readiness · Medium priority

  • Expose roof details or roof estimate context so owners can understand readiness and what data supports the estimate.
  • Show roof material, roof size, estimate price, confidence, and source notes when available.
  • Indicate when roof data is derived, estimated, or manually entered.
  • If roof details are missing, tell the user exactly what information is needed and where to provide it.
  • Handle low-confidence estimates by labeling them clearly and avoiding claim-like language.
  • Tie roof context to property status rather than creating a separate disconnected view.

Dashboard Status and Next Action · High priority

  • Present a simple owner dashboard that shows each property, current state, and the next best action.
  • Display status labels such as monitoring, readiness, missing setup item, or potential loss.
  • Show a primary next-action card on both dashboard and property pages.
  • Allow navigation between dashboard, property details, policy, and roof sections from sidebar or card actions.
  • Keep status updated after each setup step without requiring a hard refresh.
  • Make the property card readable at a glance on desktop and tablet.

First-Time Owner Setup

  • Start from landing or sign-in and choose Create account for a new owner, or Sign in if the account already exists.
  • Complete required account fields, accept terms if shown, and submit.
  • Verify the email via link or code, then reload once to confirm the session persists.
  • Land on onboarding or dashboard, then continue setup using Add property or Continue setup.
  • Add the first property, choose storm-damage answer, and complete policy and roof review.
  • Target time to first useful dashboard state: under 6 minutes median for a new owner.

1. Account Access

  • The owner creates or signs into a LossAlert account and passes email verification.
  • Show field-level validation before submission.
  • Persist progress through verification so the user does not restart.
  • If verification expires, offer a resend link or code.

2. Property Addition

  • The owner enters an address, confirms the suggested property, and saves the first property record.
  • Use address autocomplete and clear selection confirmation.
  • If the address cannot be matched, offer a manual entry fallback.
  • After save, display a success state with the property name and next step.

3. Storm-Damage Routing

  • The owner answers whether recent storm damage is known, which determines the correct setup path.
  • Use a simple yes/no prompt with explanatory helper text.
  • For a no-damage path, keep the property in monitoring or readiness.
  • For a damaged-property path, surface the more urgent claim-adjacent next action without filing a claim.

4. Policy Upload or Skip

  • The owner uploads a policy PDF or intentionally skips it, and the app records the outcome visibly.
  • Validate PDF format and file size before upload.
  • Show processing, linked, or extracted status after upload.
  • If skipped, display a missing-policy task and the reason it remains unresolved.

5. Roof Review and Dashboard Return

  • The owner opens roof details or estimate information and returns to the dashboard to confirm the final state.
  • Show material, roof size, estimate, confidence, and source notes when available.
  • If roof data is missing, explain what is required next.
  • Keep the property card status synchronized after returning to the dashboard.

Advanced Owner Capabilities

  • Multiple properties with independent status and next actions.
  • Email verification retry and session recovery after reload or device change.
  • Low-confidence estimate labeling with source-note expansion.
  • Skip-path auditing so support can see why policy data is missing.
  • Edge-case handling for unmatched addresses, duplicate properties, and expired verification links.

Interface Principles

  • Make status labels highly legible with consistent color and text, not color alone.
  • Use a clear hierarchy: property name, current state, and next action above secondary details.
  • Keep upload, verification, and save states visible with loading and success feedback.
  • Optimize for responsive desktop first with usable tablet layouts for field work.
  • Support keyboard navigation, focus states, and screen-reader labels for all critical actions.
  • Keep dashboard load time under 2 seconds for most returning sessions.

Priya signs up for LossAlert after a hailstorm and wants to know whether her rental property is simply being monitored or ready for a claim workflow. She creates her account, verifies her email, adds the property, and answers the storm-damage prompt without being forced into a claim submission she is not ready to make.

She uploads her policy PDF, reviews the roof estimate, and sees confidence and source notes instead of a vague score. When she returns to the dashboard, the property card clearly shows the current state and the next action, so she knows exactly what to do next and does not need to call support or dig through paperwork.

User-Centric Metrics

  • New-owner account verification completion above 85%.
  • Median time from landing page to first property saved under 6 minutes.
  • Policy upload completion or documented skip above 40% in the first session.
  • At least 90% of users can correctly identify the property status and next action in usability testing.
  • Dashboard task comprehension score above 4.5 out of 5 after onboarding.

Business Metrics

  • Signup-to-active-property conversion above 70% within 90 days.
  • 7-day return rate for newly onboarded owners above 30%.
  • Reduce onboarding abandonment by 25% quarter over quarter.
  • Increase properties with complete setup state by 20% within 120 days.

Technical Metrics

  • 99.9% monthly uptime for owner-facing flows.
  • p95 page interaction latency under 300 ms for dashboard and property views.
  • Verification and file-upload services with 99.5% success rate excluding user error.
  • Zero critical auth or data exposure incidents in production.

Tracking Plan

  • owner_signup_started
  • owner_signup_completed
  • email_verification_sent
  • email_verification_completed
  • property_add_started
  • property_add_completed
  • storm_damage_answered
  • policy_upload_started
  • policy_upload_completed
  • policy_upload_skipped
  • roof_panel_opened
  • dashboard_status_viewed
  • next_action_clicked

Technical Needs

  • Frontend in Next.js or React with TypeScript for fast iterative owner-facing UI.
  • Backend API in Node.js with NestJS or Fastify for account, property, and status orchestration.
  • PostgreSQL for normalized owner, property, policy, and status records.
  • Object storage such as AWS S3 for policy PDF uploads and derived documents.
  • Background jobs with a queue such as BullMQ or SQS for email verification, OCR, and extraction.
  • Authentication with secure HTTP-only sessions and refresh token handling.
  • Observability with structured logs, metrics, and tracing via OpenTelemetry.

Integration Points

  • Auth provider or email service such as Auth0, Clerk, or AWS Cognito.
  • Transactional email provider such as SendGrid or Postmark for verification links and status emails.
  • Address autocomplete via Google Places or Mapbox Search.
  • Document processing/OCR via AWS Textract or Azure Document Intelligence.
  • Optional file storage and CDN via AWS S3 and CloudFront.

Data Storage & Privacy

  • Store only the minimum policy and property data needed for setup and readiness state.
  • Encrypt sensitive data at rest and in transit using industry-standard controls.
  • Apply role-based access so owners can only view their own properties.
  • Support data export and deletion requests to satisfy GDPR and CCPA expectations.
  • Track consent timestamps and terms acceptance where required.
  • Mask policy document previews and avoid exposing full policy numbers in logs or analytics.

Scalability & Performance

  • Design dashboard reads to be cached and indexed for quick return visits.
  • Process uploads asynchronously so UI remains responsive during OCR or extraction.
  • Use pagination or lazy loading for portfolios with many properties.
  • Set upload size limits and virus scanning to protect system reliability.

Potential Challenges

  • Address matching may return the wrong property; mitigate with clear suggestion selection, manual correction, and review confirmation.
  • Policy PDFs may be unreadable or incomplete; mitigate with upload validation, OCR fallbacks, and a clear missing-policy state.
  • Status language can confuse users if it sounds like a claim decision; mitigate with careful copy review and separate monitoring versus claim-adjacent labels.
  • Email verification failures can block onboarding; mitigate with resend flows, expiration notices, and persistent session recovery.
  • Roof estimate confidence may be low or stale; mitigate with source notes, freshness timestamps, and explicit uncertainty labeling.

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

Phase 1: MVP Onboarding and Property Setup · Weeks 1-4

  • Email signup and sign-in
  • Email verification flow
  • Add property with address autocomplete
  • Storm-damage yes/no routing
  • Basic dashboard with property card and next-action state

Phase 2: Policy and Roof Context · Weeks 5-8

  • PDF upload and skip flow
  • Policy processing status
  • Roof details/estimate panel
  • Missing-data task states
  • Improved dashboard status synchronization

Phase 3: Readiness and Monitoring Polish · Weeks 9-12

  • Refined monitoring versus readiness copy
  • Better error handling for invalid addresses and expired verification
  • Accessibility improvements and keyboard navigation
  • Analytics event instrumentation
  • Performance tuning for returning users

Phase 4: Scale and Expansion · Weeks 13-16

  • Multi-property management improvements
  • Admin/support diagnostics for onboarding issues
  • Enhanced document extraction and confidence labeling
  • Data export and deletion tooling
  • Production hardening and observability dashboards

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

Build a responsive owner-facing web app called LossAlert for property monitoring and readiness.

Core goal: let a property owner sign up or sign in, verify email, add a property with address autocomplete, answer whether the property has known recent storm damage, upload or skip an insurance policy PDF, review roof estimate details, and return to a dashboard that clearly shows the property status and next action. The app must never imply a claim is being filed unless there is a separate relevant recent loss event signal.

Build these screens and flows:
1. Landing/sign-in page with Create account and Sign in.
2. Sign-up form with validation, terms acceptance, and email verification flow.
3. Onboarding dashboard with Continue setup and Add property actions.
4. Add Property flow with address autocomplete and confirmation.
5. Storm damage yes/no step that routes monitoring vs claim-adjacent readiness states.
6. Policy upload step with PDF upload, processing state, and skip/do later path that leaves a visible missing-policy task.
7. Property detail page with roof details/estimate panel showing material, roof size, estimate price, confidence, and source notes.
8. Dashboard with property cards showing monitoring/readiness/missing setup/potential loss status and a primary next action.

Data model:
User{id,email,verifiedAt,createdAt,termsAcceptedAt}
Property{id,userId,address,normalizedAddress,status,nextAction,stormDamageKnown,createdAt,updatedAt}
Policy{id,propertyId,fileUrl,uploadStatus,extractedSummary,skippedAt,skipReason}
RoofEstimate{id,propertyId,material,roofSizeSqFt,estimatedPrice,confidence,sourceNotes,updatedAt}
ActivityEvent{id,userId,propertyId,type,createdAt,metadata}

Tech stack default:
Frontend: Next.js 14, React, TypeScript, Tailwind CSS, shadcn/ui
Backend: Next.js API routes or NestJS if needed
DB: PostgreSQL with Prisma
Auth: Clerk or Auth0
File storage: AWS S3
Email: SendGrid
Address autocomplete: Google Places or Mapbox
OCR/extraction job: background worker with BullMQ and Redis
Observability: OpenTelemetry plus basic admin logs

Implementation requirements:
Use secure HTTP-only sessions, clean form validation, accessible components, clear loading/error states, and responsive layouts. Keep status language simple: Monitoring, Ready, Missing policy, Potential loss. Make the dashboard and property detail pages update immediately after each setup step. Include seed/demo data and a simple analytics event logger for signup, verification, property creation, storm-damage response, policy upload/skip, roof panel view, 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.

Make My PRD

Design by The Resonance | Powered by GPC – The AI Transformation Company