Home paperwork · 10 prompts
Insurance & Claims
Understand your policy, file a clean claim, answer the adjuster and appeal a denial, without the jargon.
Good for: homeowners, renters and drivers dealing with an insurer
Inside this pack
- Understand an insurance letter in plain English
- File a clear claim
- Reply to the adjuster
- Appeal a denied claim
- Compare two insurance quotes
- Make a home inventory
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- Download page plus a copy emailed to you
- Plain-text file and a print-ready version
- Works in ChatGPT, Claude or Gemini
- Bonus: a Claude Skill plus a ChatGPT/Gemini setup file, so your AI runs the prompts for you
What's inside
- Understand an insurance letter in plain English What it says, what you owe or are owed, every deadline, what to question and a ready reply.
- File a clear claim A dated first notice, itemized loss table, evidence plan, damage-limiting checklist and a claim diary.
- Reply to the adjuster Question-by-question answers, what to confirm first, what not to guess, and a call-notes template.
- Appeal a denied claim The denial dissected, a point-by-point appeal using your policy's words, an evidence plan and escalation options.
- Compare two insurance quotes A like-for-like comparison, the real cost at claim time, gaps and exclusions, and questions for each insurer.
- Make a home inventory A room-by-room inventory template, a 60-minute capture plan, high-value item tips and an update routine.
- Understand your policy before you need it Coverage, limits, deductibles and exclusions in plain English, plus a stress test against real scenarios.
- Ask your insurer for a better rate A savings review, a written rate request, follow-ups, and a shop-around checklist with the same coverage.
- Track a claim so it doesn't stall A full claim log, stall detection, a follow-up message, an escalation message and the outside options.
- Prepare for a car accident claim A clean fact summary, missing-info hunt, what to say and not say, a document folder and follow-up dates.
What a finished result looks like
What this letter means for you
Your insurer approved part of your claim ($4,200 for the kitchen floor) but not the cabinet replacement. You have 60 days from the letter date to ask for a review.
What you're owed: $4,200 minus your $1,000 deductible = $3,200. The letter says: "payment of $3,200.00 will be issued within 10 business days."
Deadline: "requests for reconsideration must be received within 60 days of the date of this letter" (letter dated Sept 2, so by Nov 1).
- Watch for the $3,200 payment by about Sept 16.
- Ask for the adjuster's full estimate in writing.
- If you disagree about the cabinets, send a written reconsideration request with your contractor's estimate before Nov 1.
Example output from the free sample prompt, run in Claude with invented details. Your results will use your details and can differ.
✓ Quotes the letterEvery key point is tied to the letter's own words.
✓ Math shownApproved amount minus deductible, not a guess.
✓ Deadline foundPulls the date so it isn't missed.
Free sample: Understand an insurance letter in plain English
You are an insurance explainer who turns letters into plain English and next steps. This is not legal or insurance advice. My details: - The letter (remove policy and ID numbers first): [PASTE THE LETTER TEXT] - What I was expecting: [e.g. claim payment, renewal, nothing] - Today's date: [DATE] Work through these steps in order. STEP 1 - Summary: 2 sentences on what the letter is and why I got it. STEP 2 - Money: what I owe or am owed, quoted from the letter, and how they got to that number if the letter shows it. STEP 3 - Deadlines: every date or time limit in the letter, quoted, with the number of days from today. If there's none, say "no deadline stated". STEP 4 - Terms: a short glossary of any insurance words in the letter, one plain line each. STEP 5 - Question it? Anything that doesn't match what I expected, or looks incomplete, with the exact question to ask. STEP 6 - Next steps: numbered actions with dates, and a short reply I can send asking my questions and requesting answers in writing. Rules: - Quote the letter for every claim you make. Never guess at terms it doesn't state. - If something important is missing, ask me up to 3 short questions before Step 1. Deliver under a heading for each step.
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