5 Claude Prompts for Insurance Claims & Renewals

You are an insurance claims documentation assistant. Create a structured claims documentation package from the following incident details. The documentation should be professional, factual, and ready for carrier submission.

<incident-details>
- Claim type: [e.g., Water damage — burst pipe]
- Insured: [e.g., Homeowner, HO-3 policy]
- Date of loss: [e.g., Discovered Monday morning, estimated overnight occurrence]
- Location: [e.g., Finished basement, affected upstairs bathroom supply line]
- Description: [e.g., Supply line to second-floor bathroom failed. Water ran an estimated 6-8 hours overnight. Damage to basement drywall (approximately 200 sq ft), carpet (full basement ~800 sq ft), personal property including home office desk, computer equipment, and stored items. Water extraction company on-site same day.]
- Mitigation taken: [e.g., Water shut off immediately upon discovery, extraction started within 4 hours, industrial fans and dehumidifiers placed, temporary repairs to supply line completed]
</incident-details>

<policy-coverage>
- Dwelling coverage: [e.g., $400,000 replacement cost]
- Personal property: [e.g., $200,000 ACV]
- Deductible: [e.g., $1,500]
- Water backup endorsement: [e.g., $15,000, $500 deductible]
- Relevant provisions: [e.g., Burst pipe is a covered peril under HO-3. If any damage resulted from water backing up through drains, the water backup endorsement may apply separately. Mold remediation coverage limited to $10,000 sub-limit.]
</policy-coverage>

<instructions>
- Structure as: Incident Summary, Damage Assessment, Coverage Analysis, Documentation Checklist, and Next Steps
- Incident summary: Factual, chronological, objective language
- Damage assessment: Itemize each category of damage (structure, personal property, additional expenses)
- Coverage analysis: Map each damage category to applicable coverage provisions, note deductibles
- Documentation checklist: What the client needs to gather (photos, receipts, contractor estimates, inventory of damaged items)
- Next steps: Action items for the client and for the agent, including timeline expectations
- Flag any coverage questions that need clarification (water backup vs. burst pipe, mold sub-limit)
</instructions>

Create a structured auto claims documentation package from these accident details.

<accident-details>
- Type: [e.g., Two-vehicle collision at intersection]
- Date/time: [e.g., Tuesday, approximately 5:30 PM, daylight, dry roads]
- Location: [e.g., Intersection of Main Street and Oak Avenue]
- Description: [e.g., Insured was traveling northbound on Main Street with a green light. Other vehicle ran red light traveling eastbound on Oak Avenue and struck the insured's vehicle on the passenger side. Impact was moderate speed (estimated 25-30 mph). Insured's vehicle sustained significant passenger-side damage. Airbags deployed on insured vehicle.]
- Police report: [e.g., Filed, report number pending, other driver cited for running red light]
- Injuries: [e.g., Insured reports neck and shoulder pain, went to urgent care same evening. Passenger (spouse) reports no injuries. Other driver transported by ambulance.]
- Vehicle: [e.g., 2023 Toyota Camry, collision deductible $500, rental reimbursement $50/day 30 days]
- Witnesses: [e.g., One witness stopped and provided statement to police]
</accident-details>

<instructions>
- Structure as: Accident Summary, Vehicle Damage, Injury Summary, Coverage Application, and Action Items
- Keep the accident summary factual and chronological
- Note that the police report supports the insured's account (other driver cited)
- Explain which coverage sections apply (collision, medical payments, rental reimbursement, uninsured motorist if applicable)
- Include action items: what to document, medical follow-up, rental car process, subrogation potential
- Note subrogation potential since the other driver was at fault
</instructions>

Draft a renewal recommendation letter for a client whose premium is increasing. The letter should be honest, empathetic, and position you as their advocate — not the bearer of bad news.

<renewal-context>
- Client: [e.g., Family of four, been with the agency 6 years, home and auto bundled]
- Policy renewing: [e.g., Homeowners HO-3]
- Current premium: [e.g., $2,100/year]
- Renewal premium: [e.g., $2,730/year (+30%)]
- Reasons for increase: [e.g., Regional catastrophe losses drove carrier rate increases of 15-25% statewide. Client's home valuation updated from $320,000 to $385,000 based on construction cost index. No claims on the account.]
- Actions taken by agent: [e.g., Shopped with 4 other carriers. Best alternative was $2,580 with comparable coverage but without the guaranteed replacement cost. Current carrier remains the best value for the coverage level.]
- Recommendations: [e.g., Stay with current carrier. Increase deductible from $1,000 to $2,500 (saves approximately $180/year). Consider bundling umbrella ($1M for $280/year). Review personal property inventory to ensure coverage is right-sized.]
</renewal-context>

<instructions>
- Open by acknowledging the renewal and the relationship — "As your agent for 6 years..."
- Be upfront about the increase — do not bury it in the third paragraph
- Explain the market factors driving the increase (make it clear this is not about their account)
- Show the work you did — "I shopped your policy with 4 carriers..." This demonstrates advocacy
- Present the recommendation clearly: what to do and why
- Show how to offset some of the increase (deductible increase, bundling savings)
- Close with a specific call to action — schedule a 15-minute call to review together
- Tone: Honest, empathetic, professional, and proactive
</instructions>

Create a clear, client-friendly coverage comparison summary from these renewal quotes. The client needs to understand the tradeoffs, not just see numbers.

<current-policy>
- Carrier: [e.g., Carrier A (current)]
- Premium: [e.g., $3,200/year]
- Dwelling: [e.g., $450,000 replacement cost]
- Liability: [e.g., $300,000]
- Deductible: [e.g., $1,000]
- Key endorsements: [e.g., Guaranteed replacement cost, water backup $25,000, equipment breakdown, identity theft]
- Claims-free discount: [e.g., Yes, 15% applied]
</current-policy>

<alternative-quote>
- Carrier: [e.g., Carrier B]
- Premium: [e.g., $2,680/year]
- Dwelling: [e.g., $450,000 actual cash value]
- Liability: [e.g., $300,000]
- Deductible: [e.g., $2,500]
- Key endorsements: [e.g., Water backup $10,000, no equipment breakdown, identity theft available for additional $45/year]
- Claims-free discount: [e.g., Yes, 10% applied]
</alternative-quote>

<instructions>
- Create a comparison that a non-insurance person can understand
- Do NOT just list numbers side by side — explain what the differences MEAN
- Highlight the most important differences: replacement cost vs. ACV, deductible difference, endorsement gaps
- Calculate the total cost difference and the coverage difference
- Provide a clear professional recommendation with reasoning
- Help the client understand that the cheapest option is not always the best value
- Format for easy scanning — use clear headers and bullet points
</instructions>

Write a client-friendly claims status update email. The client just filed a claim and is anxious. Your job is to make them feel informed, supported, and confident that things are moving forward.

<claim-status>
- Claim type: [e.g., Kitchen fire — grease fire that spread to cabinets and caused smoke damage throughout first floor]
- Claim reported: [e.g., 3 days ago]
- Adjuster assigned: [e.g., Yes, field adjuster scheduled for inspection this Friday]
- Temporary housing: [e.g., Client is staying at hotel, additional living expense coverage is active, $200/night limit]
- Mitigation: [e.g., Fire restoration company has boarded up the kitchen and started smoke damage assessment. Content pack-out scheduled for next week.]
- Estimated timeline: [e.g., Adjuster inspection Friday, initial estimate within 2 weeks, restoration likely 8-12 weeks]
- Deductible: [e.g., $1,500]
- What client needs to do: [e.g., Keep all hotel and meal receipts, start personal property inventory for smoke-damaged items, be available for Friday adjuster visit, do not authorize any non-emergency repairs until adjuster inspects]
</claim-status>

<instructions>
- Open with empathy — acknowledge this is stressful and you are here to help
- Provide a clear, chronological update on where things stand
- Explain the next steps in plain language with approximate dates
- Reassure them about the temporary housing coverage — they are worried about money
- Give them a specific checklist of what to do (and what NOT to do)
- Let them know when you will check in next
- Close with your direct contact information and an invitation to call anytime
- Tone: Calm, supportive, organized, and reassuring
</instructions>