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insurance-claim

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Write a clear insurance claim letter or appeal that supports a payout. Use when asked to write an insurance claim, file a claim letter, document a loss for insurance, or appeal a denied claim. Produces a structured claim — policy and incident details, the documented loss, the amount claimed, and the evidence — or an appeal that rebuts the denial reason, ready to submit.

QUICK START

How to use this skill

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  2. Copy the prompt below and paste it into your agent.
  3. Review the proposed files and risks before you approve installation.
Prompt to paste
I want to install this Agent Skill for this project in Codex.

Source SKILL.md: https://github.com/mohitagw15856/pm-claude-skills/blob/HEAD/plugins/pm-lifeadmin/skills/insurance-claim/SKILL.md

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First, summarize what it does, its dependencies, license status if identifiable, and any risks. Show the exact files you propose to add under .agents/skills/insurance-claim/. Do not write files or run scripts until I approve.

After I approve, install the complete skill folder, including required referenced files, into that project location. Verify it is discoverable, then tell me its actual invocation name and how to use it. Do not claim it is installed until you have verified it.

Copying this prompt does not install or run the skill. Review third-party files before use. Codex skill guide

Insurance Claim Skill

Claims get paid faster when they're complete and well-documented: the right policy and incident details, an itemised loss, and the evidence attached. This skill writes that letter — or, for a denial, an appeal that addresses the insurer's stated reason directly — so the adjuster has everything they need to say yes.

Note: this is a drafting aid, not legal, financial, or insurance advice, and it does not guarantee a payout. Coverage, deadlines, and procedures depend on your policy and jurisdiction — read your policy, meet the insurer's deadlines, and consult a qualified advisor for complex or high-value claims. Never misrepresent facts; insurance fraud is a crime.

Working from a brief

Given "file a claim for water damage from a burst pipe", write the full claim anyway — structure it and bracket the specifics (policy number, dates, amounts, itemised losses) to fill in, and list the evidence to attach. Never withhold for missing detail; never inflate or invent losses.

Required Inputs

Ask for these only if they aren't already provided (else bracket to fill in):

  • Policy details — insurer, policy/claim number, and policyholder.
  • The incident — what happened, when and where, and how it was discovered/reported.
  • The loss — what was damaged/lost, itemised, with values/estimates.
  • Evidence — photos, receipts, repair estimates, police/incident reports, prior correspondence.
  • The claim — the amount claimed and the outcome you want; or, for an appeal, the denial reason given.

Output Format

Insurance Claim Letter

  • Header — your details, date, insurer, and a Re: line with the policy/claim number.
  • 1. The incident — what happened, when, where, and when it was reported (factual, dated).
  • 2. The loss — an itemised list of what was damaged/lost with values/estimates.
  • 3. Amount claimed — the total, and how it's calculated.
  • 4. Evidence — the documents enclosed/available (listed and referenced).
  • 5. Request — the action and timeframe you're asking for, and an offer to provide more on request.
  • Close — contact details.

For an appeal, add a section that quotes the denial reason and rebuts it with the policy wording and evidence.

Provide a document checklist and notes on policy deadlines to confirm.

Quality Checks

  • Policy/claim number, dates, and incident facts are precise and consistent
  • The loss is itemised with values, and the claimed amount is shown to add up
  • Evidence is listed and referenced — nothing asserted without support
  • For an appeal, the denial reason is quoted and directly rebutted with policy wording
  • Nothing is inflated, invented, or misrepresented
  • A document checklist and a reminder to confirm deadlines are included

Anti-Patterns

  • Do not inflate or invent losses — it risks the whole claim and is fraud
  • Do not be vague about amounts or dates — itemise and date everything
  • Do not omit or fail to reference evidence — undocumented claims stall
  • Do not ignore the denial reason in an appeal — rebut it specifically with the policy terms
  • Do not present this as legal/insurance advice or guarantee an outcome — flag deadlines to confirm

Based On

Insurance-claim practice — complete incident documentation, itemised evidenced loss, and denial-specific appeals grounded in policy wording.