AI Prompts for Insurance Claims Documentation

Write a First Notice of Loss (FNOL) narrative for a water damage claim. Details from the insured: - Date of loss: [Date] - Property: Single-family home at [Address] - What happened: Insured discovered water in the basement on [date]. A pipe behind the washing machine in the laundry room burst overnight. Water spread across the entire basement floor (~800 sqft), damaging carpet, drywall (up to 2 feet), and several stored items. - Mitigation taken: Shut off water main, called a water mitigation company, removed standing water with wet-vac - Estimated damage: $12,000-$18,000 (carpet replacement, drywall repair, mold remediation, personal property) Write a professional, detailed FNOL narrative that includes: - Chronological account of the loss - Description of damage observed - Mitigation steps taken - Estimated scope of damage - Policy information: [Policy Number], [Carrier], HO-3 with water backup endorsement Requirements: - Factual and objective — no opinions or assumptions - Under 250 words - Professional tone appropriate for carrier submission

Write a First Notice of Loss narrative for an auto accident claim. Details: - Date/time: [Date] at approximately [Time] - Location: [Intersection/Road, City, State] - Insured vehicle: [Year Make Model] - What happened: Insured was traveling northbound on [Road] when another vehicle ran a red light at [Intersection] and struck the insured's vehicle on the driver side. Insured was wearing a seatbelt. Airbags deployed. - Injuries: Insured reports neck pain and soreness; went to ER same day - Police report: Yes, Report #[Number]. Other driver cited for running red light. - Other party: [Name], [Carrier], [Policy if known] - Damage estimate: Significant driver-side damage, possibly totaled Requirements: - Chronological, factual narrative - Under 200 words - Include all relevant details for the carrier

Create a step-by-step claims filing guide for a client who just experienced a kitchen fire in their home. Include: 1. Immediate safety steps 2. Who to call first (and provide numbers) 3. Documentation they should gather (photos, receipts, etc.) 4. What to expect from the claims process (timeline) 5. What NOT to do (common mistakes) 6. How I'll help them through the process Carrier claims number: [Number] Agent contact: [Your Name], [Phone], [Email] Requirements: - Client-friendly language — they're stressed, keep it simple - Numbered steps, clear and actionable - Reassuring tone — "We'll get through this together" - Under 300 words

Write a professional letter to the insurance carrier disputing a claim denial for water damage. Context: The carrier denied the claim stating the damage was due to "gradual seepage" (excluded). However, the insured has documentation from a licensed plumber showing the damage was caused by a sudden pipe burst, which is a covered peril under the HO-3 policy. Include: - Policy number and claim number - Summary of the claim and denial reason - Our position with supporting evidence - Reference specific policy language that supports coverage - Request for reconsideration - Professional but firm tone Requirements: - Under 250 words - Reference: Policy #[Number], Claim #[Number] - Always note: "This letter was drafted with AI assistance and reviewed by [Agent Name]"

Create a personal property damage inventory template for a client filing a homeowners claim after a fire. The template should include columns for: - Item description - Room/location - Approximate age - Original purchase price (estimated) - Replacement cost - Receipt/proof available (yes/no) - Photo available (yes/no) Pre-populate with common items typically found in: living room, kitchen, master bedroom, home office Include instructions at the top explaining: - How to fill out the inventory - Why replacement cost matters vs actual cash value - Tips for estimating values when receipts aren't available - Reminder to check cloud photo libraries for photos of items Requirements: - Format as a clear table - Include 15-20 example items across the rooms