AI for Insurance Claims Adjuster

Write a plain-English explanation of how we calculated depreciation for a policyholder disputing their ACV settlement. Item: [describe the item, e.g., 15-year-old roof / 10-year-old water heater / 5-year-old appliance]. Age: [X years]. Useful life: [Y years]. Depreciation percentage applied: [Z%]. Tone: professional but warm, factual, no jargon. Do not admit any errors in calculation.

Review this insurance claim statement transcript and identify: 1) Any internal inconsistencies (statements that contradict each other), 2) Details that seem unusual or suspicious for this type of claim, 3) Any statements that should be verified against police reports, medical records, or other evidence, 4) Questions that were not asked but should have been. Transcript: [paste statement text]

Generate a comprehensive list of recorded statement questions for a [claim type: e.g., multi-vehicle auto accident / residential fire / slip and fall] insurance claim. Include questions about: the claimant's background, what happened before/during/after, injuries or damages, witnesses, prior claims history, and any other coverage-relevant facts. Flag any questions that are particularly important for liability determination.

Draft a reservation of rights letter for a [state] insurance claim. The policy condition(s) under investigation: [describe condition, e.g., late notice / potential policy violation / coverage question]. Claim facts: [brief description]. Policyholder name: [name]. Claim number: [number]. The letter must: inform the insured we are investigating under a ROR, cite the specific policy provision(s), explain what we are investigating, and preserve all policy defenses. Formal business letter format.

Write a settlement summary memo for an insurance claim. Facts: [describe the loss and parties]. Coverage: [coverage available, limits, applicable exclusions]. Liability: [fault determination or coverage basis]. Damages: [itemize: medical bills $X, lost wages $X, property damage $X, pain & suffering estimate $X]. Proposed settlement: $[amount]. Settlement rationale: [explain why this is fair value]. Format as a professional claims memo for management approval.

Draft a subrogation demand letter. Our insured: [name]. At-fault party: [name and insurer if known]. Loss date: [date]. How our insured was damaged by the at-fault party: [describe incident and fault]. Amount we paid our insured: [amount]. We are seeking subrogation recovery for: [itemize what was paid — property damage, rental, medical, etc.]. Request payment within [30/45/60] days. Formal business letter format.

Compare these [number] witness statements from an insurance claim and provide: 1) A summary of what each witness says about the key events, 2) Points where all witnesses agree, 3) Any contradictions or inconsistencies between the accounts, 4) Which witness account best supports each party's version of events. Statements: [paste each statement, clearly labeled Witness 1, Witness 2, etc.]

I'm writing a Xactimate estimate for a property damage claim. Damage type: [describe: e.g., kitchen fire with cabinet, drywall, ceiling, flooring, and appliance damage]. Generate a comprehensive checklist of all line items I should consider including in my estimate, organized by trade (demo, framing, drywall, paint, flooring, etc.). Include commonly overlooked items that often get disputed by contractors as supplements.