35 ChatGPT Prompts for Claims Adjusters (Claude, ChatGPT & DeepSeek)
You're managing 65 open files. Property damage reports due by Friday. Three coverage denial letters that need to hold up to arbitration review. A subrogation demand to a third-party carrier. Two policyholder status update letters that need to go out today.
Every document requires precise, defensible language. Use the wrong word in a denial letter and you've created a bad-faith exposure. Write a vague investigation summary and the supervising adjuster sends it back for revisions. Rush a policyholder communication and the complaint to the state insurance department lands before the check does.
Insurance claims adjusters carry one of the highest writing burdens in any profession — and nearly all of it is high-stakes. These 35 prompts address the full range of claims documentation. They work with Claude, ChatGPT, and DeepSeek. Replace the bracketed fields and cut your documentation time in half without cutting precision.
Why Claims Documentation Demands Precision Writing
A 2025 industry report by Verisk found that staff adjusters at major carriers handle between 30 and 80 open files simultaneously, depending on line of business. Each file requires multiple written communications: investigation reports, coverage determinations, policyholder letters, internal file notes, and often legal correspondence.
The consequence of imprecise language is not just administrative — a poorly written denial letter can be used as evidence of bad-faith claims handling. A vague investigation report can undermine subrogation. An informal policyholder update can create coverage ambiguity.
AI is already transforming the industry for damage estimation (Verisk, CoreLogic) and fraud detection (Shift Technology). The writing work remains human, and these prompts give you the precision and speed to do it right.
Category 1: Property Damage Reports
Property damage narrative reports are the backbone of claims documentation. They must describe scope of loss in the standard language payers and courts recognize.
Prompt 1 — Property Damage Field Investigation Report
Write a property damage field investigation report.
Claim number: [CLAIM #]
Date of loss: [DATE]
Date of inspection: [DATE]
Insured: [NAME]
Property address: [ADDRESS]
Cause of loss: [WIND / HAIL / FIRE / WATER / VANDALISM — be specific]
Areas inspected: [LIST — roof, exterior siding, windows, interior, other]
Damage findings by area:
Roof: [DESCRIBE — material, damage extent, cause consistent with reported cause of loss]
Exterior: [DESCRIBE]
Interior (if applicable): [DESCRIBE]
Other structures (if applicable): [DESCRIBE]
Pre-existing conditions noted: [YES — describe / NO]
Cause of loss consistent with insured's report: [YES / NO / PARTIALLY — explain]
Recommended scope of repair: [BRIEF — full claim to contractor estimate / partial / recommend denial / recommend engineer inspection]
Professional report format. Under 400 words. Objective, specific, without opinion on coverage.
Prompt 2 — Auto Vehicle Total Loss Report
Write a total loss determination narrative for an auto claim.
Claim number: [CLAIM #]
Insured: [NAME]
Vehicle: [YEAR, MAKE, MODEL, MILEAGE, VIN]
Date of loss: [DATE]
Cause of loss: [COLLISION / COMPREHENSIVE — hail, flood, theft, fire — specify]
Damage description: [DESCRIBE VISIBLE DAMAGE — structural, mechanical, cosmetic]
Pre-loss ACV (Actual Cash Value): [$VALUE — source: CCC One / Audatex / Mitchell / manual comparable search]
Repair estimate: [$VALUE — from shop estimate]
Total loss threshold: [STATE THRESHOLD — e.g., "repair cost exceeds 75% of ACV per [STATE] statute"]
Total loss calculation: [$REPAIR / $ACV = [%] — exceeds threshold / [%]]
Determination: TOTAL LOSS
Salvage value: [$VALUE]
Net settlement offer: [ACV MINUS SALVAGE / ACV ONLY IF STATE REQUIRES — specify]
Precise valuation documentation. Under 300 words.
Prompt 3 — Bodily Injury Investigation Summary
Write a bodily injury investigation summary for a liability claim.
Claim number: [CLAIM #]
Date of loss: [DATE]
Claimant: [NAME, AGE if known]
Liability party: [INSURED — or ADVERSE — specify relationship]
Incident description: [WHAT HAPPENED — location, circumstances, witnesses]
Injury reported: [DESCRIPTION — as reported by claimant / physician records if received]
Medical treatment to date: [EMERGENCY CARE / TREATING PHYSICIAN / SPECIALIST — dates and providers]
Medical records received: [YES — date range / NOT YET]
Liability assessment: [OUR INSURED'S PERCENTAGE — 0% / 100% / COMPARATIVE — with rationale]
Damages exposure estimate: [RANGE — specials + generals + attorney's contingency if represented]
Recommendation: [RESERVE ADEQUACY / SETTLEMENT TARGET IF CLEAR LIABILITY / DENIAL IF NO LIABILITY]
File summary format. Under 350 words.
Prompt 4 — Water Damage Scope of Loss Summary
Write a water damage scope of loss summary for an insurance claim.
Claim number: [CLAIM #]
Cause of water: [BURST PIPE / APPLIANCE LEAK / ROOF LEAK / SEWER BACKUP / FLOODING — specify and distinguish between sudden and gradual loss]
Origin point: [WHERE WATER ORIGINATED]
Affected areas: [ROOMS AND MATERIALS AFFECTED — floors, walls, cabinets, contents]
Moisture readings (if taken): [MOISTURE METER VALUES — baseline and affected readings]
Dry-out scope: [EQUIPMENT PLACED, DAYS, CONTRACTOR NAME]
Reconstruction scope: [DESCRIBE ESTIMATED REPAIR SCOPE — remove and replace, paint, flooring, etc.]
Gradual damage/pre-existing: [NOTE ANY EVIDENCE OF LONG-TERM MOISTURE DAMAGE THAT PREDATES THE LOSS]
Coverage determination: [COVERED / NOT COVERED / PARTIALLY COVERED — with policy basis]
Under 300 words. Distinguishing sudden vs. gradual loss is critical for coverage.
Prompt 5 — Catastrophe Claim Field Report
Write a catastrophe claim field inspection report.
CAT event: [E.g., Hurricane Ian / March 2026 hail event / January 2026 ice storm]
Claim number: [CLAIM #]
Property address: [ADDRESS]
Date inspected: [DATE]
General CAT damage in area: [BRIEF CONTEXT — extent of community damage, not affecting individual claim, just context]
Specific damage findings:
Roof: [SPECIFIC — shingle type, damage extent, square footage affected]
Exterior walls: [FINDINGS]
Windows/Doors: [FINDINGS]
Contents (if applicable): [FINDINGS]
Additional structures: [FINDINGS]
Damage consistent with CAT event: [YES / PARTIALLY / NO — explain any inconsistencies]
Scope recommendation: [FULL COVERAGE / PARTIAL — pre-existing noted / FURTHER INVESTIGATION NEEDED]
Emergency mitigation performed: [YES — describe / NOT YET NEEDED]
Field CAT report format. Under 400 words. Clear, systematic by area.
Category 2: Coverage Denial Letters
Coverage denial letters must be legally defensible, clear, and written in good faith. Every denial cites specific policy language.
Prompt 6 — Coverage Denial — Exclusion
Write a coverage denial letter based on a policy exclusion.
Insured: [NAME, ADDRESS]
Claim number: [CLAIM #]
Date of loss: [DATE]
Cause of loss claimed: [DESCRIPTION]
Policy exclusion applying: [EXACT EXCLUSION LANGUAGE FROM POLICY — e.g., "flood" / "earth movement" / "gradual damage" / "wear and tear" / "intentional acts"]
How the exclusion applies to this loss: [FACTUAL CONNECTION — our investigation found X, which falls within the exclusion for Y]
Policy section reference: [POLICY FORM, SECTION, PAGE NUMBER IF AVAILABLE]
Your rights: [APPRAISAL / MEDIATION / STATE INSURANCE DEPARTMENT COMPLAINT — list applicable rights]
Contact for questions: [ADJUSTER NAME, PHONE, EMAIL]
Firm, factual, and compliant with state prompt payment and denial laws. Under 350 words. Include all required state-mandated denial letter elements.
Prompt 7 — Coverage Denial — Lack of Coverage
Write a coverage denial letter for a claim that falls outside the scope of coverage.
Insured: [NAME]
Claim number: [CLAIM #]
Claim submitted: [WHAT WAS SUBMITTED FOR — e.g., "flood damage to basement contents"]
Coverage in place: [WHAT COVERAGE ACTUALLY EXISTS — e.g., "Homeowners policy HO-3 — no flood endorsement"]
Missing coverage: [WHAT WOULD HAVE BEEN NEEDED — e.g., "NFIP or private flood policy"]
Policy basis: [SPECIFIC DECLARATIONS PAGE COVERAGE SECTION]
Policyholder options: [E.g., "NFIP application for future flood protection / FEMA disaster assistance if federally declared disaster"]
Contact information: [ADJUSTER]
Professional, matter-of-fact tone. This is not a fault situation — the coverage simply was not purchased. Under 300 words.
Prompt 8 — Coverage Denial — Late Reporting
Write a coverage denial letter based on late reporting of a claim.
Insured: [NAME]
Claim number: [CLAIM #]
Date of loss: [DATE]
Date claim reported: [DATE]
Policy notice requirement: [QUOTE POLICY LANGUAGE — e.g., "you must give us or our agent prompt notice of the loss. Failure to provide timely notice may result in denial of the claim."]
Prejudice analysis: [EXPLAIN HOW LATE REPORTING PREJUDICED OUR ABILITY TO INVESTIGATE — e.g., "loss occurred on [DATE], reported [DAYS LATER], site conditions changed, unable to confirm cause of loss"]
Denial basis: [SPECIFIC POLICY SECTION]
Reservation of rights if applicable: [IF STILL INVESTIGATING DESPITE LATE NOTICE]
Appeal rights: [LIST]
Late notice denials are legally complex — state law varies significantly. Note this letter may require legal review before sending. Under 350 words.
Prompt 9 — Partial Denial (Partial Coverage)
Write a partial coverage determination letter where some items are covered and others are not.
Insured: [NAME]
Claim number: [CLAIM #]
Covered items: [LIST — items being paid]
Non-covered items: [LIST — items being denied, with specific policy reason for each]
Payment for covered portion: [$AMOUNT — net of deductible]
Deductible applied: [$AMOUNT]
Non-covered items basis: [POLICY CITATION FOR EACH DENIAL WITHIN THE PARTIAL PAYMENT]
Appeal rights: [STANDARD RIGHTS LANGUAGE]
Clear separation between covered and non-covered. Each denial must have its own policy basis. Under 350 words.
Prompt 10 — Reservation of Rights (ROR) Letter
Write a reservation of rights letter for a claim with potential coverage issues.
Insured: [NAME]
Claim number: [CLAIM #]
Coverage issue(s) identified: [DESCRIBE — e.g., potential intentional act exclusion / late notice / possible misrepresentation on application]
Reason for ROR: We are continuing to investigate and handle this claim while reserving our right to deny coverage based on: [SPECIFIC POLICY PROVISION]
What we are doing: [CONTINUING INVESTIGATION, APPOINTING DEFENSE COUNSEL IF APPLICABLE]
What this means for the insured: [HONEST EXPLANATION — we are not denying coverage now, but may do so if investigation confirms the coverage issue]
Right to obtain independent counsel: [IF APPLICABLE UNDER STATE LAW — typically required when defense and coverage issues conflict]
Contact: [CLAIM ADJUSTER]
ROR letters have significant legal implications. This letter should be reviewed by coverage counsel before sending in complex cases. Under 400 words.
Category 3: Policyholder Communication
Prompt 11 — Acknowledgment Letter (Initial)
Write an initial claim acknowledgment letter to a policyholder.
Insured: [NAME, ADDRESS]
Claim number: [CLAIM #]
Date of loss: [DATE]
Brief summary of what was reported: [2-3 SENTENCES]
What happens next: [ADJUSTER ASSIGNMENT, INSPECTION SCHEDULING, TIMELINE]
Documents needed from insured: [LIST — signed authorization, contractor estimates, receipts, photos if applicable]
Your assigned adjuster: [NAME, PHONE, EMAIL]
Important reminder: [E.g., "Please keep receipts for any emergency mitigation expenses" / "Do not make permanent repairs until our inspector has evaluated the damage"]
Professional, efficient, warm. First impression of claims handling. Under 250 words.
Prompt 12 — Status Update Letter (Mid-Investigation)
Write a status update letter to a policyholder during a claim investigation.
Insured: [NAME]
Claim number: [CLAIM #]
Current status: [WHERE WE ARE — field inspection complete, medical records requested, engineer inspection scheduled]
What is pending: [SPECIFIC — waiting for contractor estimate, appraisal result, police report, medical records from treating physician]
Expected timeline: [WHEN WE ANTICIPATE HAVING MORE INFORMATION — specific timeframe if possible]
Actions needed from insured: [IF ANY]
Adjuster contact: [NAME, PHONE, EMAIL]
Brief, specific, informative. Under 200 words. Policyholder just wants to know their claim hasn't been forgotten.
Prompt 13 — Settlement Offer Letter
Write a settlement offer letter for a resolved claim.
Insured: [NAME]
Claim number: [CLAIM #]
Summary of loss: [BRIEF]
Coverage determination: [COVERED UNDER POLICY SECTION — cite]
Calculated loss amount: [$TOTAL]
Deductible: [$DEDUCTIBLE]
Depreciation (if applicable): [$DEPRECIATION — and recoverable depreciation if applicable]
Net payment: [$NET]
Payment method: [CHECK / EFT — timeline]
Explanation of any holdbacks: [E.g., "Recoverable depreciation of $X will be released upon receipt of final invoice showing completed repairs"]
How to accept: [SIGNATURE REQUIRED / CASH PAYMENT IS FULL AND FINAL SETTLEMENT — or "partial payment if repairs not yet complete"]
Clear payment communication. Under 300 words. Each deduction must be explained.
Prompt 14 — Extension Request Response
Write a response to a policyholder requesting a claim extension or additional time.
Insured: [NAME]
Claim number: [CLAIM #]
Reason extension requested: [WHAT THE POLICYHOLDER ASKED FOR — e.g., more time to get contractor estimates, more time to replace belongings, extension on suit limitation period]
Our response: [GRANTED / DENIED / PARTIAL — with explanation]
Conditions if granted: [SPECIFIC REQUIREMENTS — e.g., must provide estimates by [DATE]]
Policy limitation reminder: [IF APPLICABLE — suit limitation period, proof of loss deadline]
Next steps: [WHAT HAPPENS AFTER EXTENSION]
Helpful and clear. Unnecessary rigidity in extension decisions creates complaints. Under 200 words.
Prompt 15 — Subrogation Demand Letter
Write a subrogation demand letter to a third-party insurer or responsible party.
Our insured: [NAME]
Our company: [CARRIER NAME]
Claim number: [CLAIM #]
Date of loss: [DATE]
Responsible party: [NAME / COMPANY]
Responsible party's insurer: [CARRIER AND CLAIM #]
Incident description: [BRIEF FACTS — what happened, why the third party is responsible]
Amount paid to our insured: [$AMOUNT — itemized if applicable: structure/contents/ALE]
Subrogation right basis: [POLICY SUBROGATION CLAUSE / STATE STATUTE — cite]
Demand: [REIMBURSEMENT OF [$AMOUNT] WITHIN [DAYS]]
Contact for payment: [CLAIMS CONTACT]
Professional demand letter. Under 300 words. Cite your subrogation rights clearly — this will likely be disputed.
Category 4: Investigation Documentation
Prompt 16 — Witness Statement Summary
Write a summary of a witness statement for a claims investigation.
Witness: [NAME, RELATIONSHIP TO LOSS — bystander / neighbor / first responder / expert]
Interview method: [IN PERSON / PHONE / WRITTEN STATEMENT]
Interview date: [DATE]
What witness stated: [FACTUAL SUMMARY — what they observed, when, relevant details]
Credibility assessment: [CONSISTENT WITH PHYSICAL EVIDENCE / INCONSISTENT — note specific inconsistencies]
Relevant to coverage or liability: [HOW THIS STATEMENT AFFECTS THE CLAIM]
Internal file note format. Under 200 words. Separate factual summary from your interpretation.
Prompt 17 — Independent Medical Examination (IME) Request Letter
Write a letter requesting an independent medical examination for a bodily injury claim.
Claimant: [NAME]
Claim number: [CLAIM #]
Treating physicians to date: [LIST — specialty, treatment duration]
Injury claimed: [DESCRIPTION]
Reason for IME request: [SPECIFIC — extent of injury is disputed / treatment duration appears excessive / causation unclear / permanency claimed]
IME physician requested: [SPECIALTY NEEDED — orthopedic surgeon / neurologist / neuropsychologist — based on injury type]
Materials to be provided to IME physician: [LIST — medical records, imaging, prior claim history]
Expected outcome: [INDEPENDENT OPINION ON CAUSATION / EXTENT OF INJURY / FUTURE TREATMENT NECESSITY]
Professional, factual request. Under 250 words. This letter may be disclosed in litigation.
Prompt 18 — SIU Referral Documentation
Write an internal Special Investigations Unit (SIU) referral memo.
Claim number: [CLAIM #]
Claim type: [PROPERTY / AUTO / LIABILITY]
Insured: [NAME]
Basis for referral: [SPECIFIC RED FLAGS — list each separately with supporting evidence]
Common red flag categories: [NEW POLICY / LOSS SHORTLY AFTER INCEPTION / INCONSISTENT STATEMENTS / FINANCIAL DISTRESS / PRIOR CLAIMS HISTORY / STAGED LOSS INDICATORS]
Evidence supporting referral: [DOCUMENTS, STATEMENTS, INVESTIGATION FINDINGS]
Current claim status: [PENDING / ON HOLD PENDING SIU REVIEW]
Adjuster requesting referral: [NAME]
Objective, specific, based on observable facts. SIU referrals must be based on evidence — not assumptions about protected characteristics. Under 300 words.
Prompt 19 — Expert Report Summary
Write a summary of an expert report for a claims file.
Expert: [NAME, CREDENTIAL, FIRM]
Type of expert: [STRUCTURAL ENGINEER / FIRE INVESTIGATOR / FORENSIC ACCOUNTANT / MOLD ASSESSOR / CONTRACTOR — specify]
Issue addressed: [WHAT THE EXPERT WAS ASKED TO EVALUATE]
Expert's methodology: [BRIEF — how they conducted their evaluation]
Expert's findings: [KEY CONCLUSIONS — factual, not editorialized]
Expert's opinion on cause of loss: [DIRECT QUOTE OR ACCURATE PARAPHRASE]
Impact on claim: [HOW THIS OPINION AFFECTS COVERAGE OR DAMAGE DETERMINATION]
Under 200 words. Summarize accurately — this summary will be used for reserve adjustments and coverage decisions.
Prompt 20 — Phone Contact Log Entry
Write a claims file contact log entry for a phone call.
Date/time: [DATE, TIME]
Called / Called by: [WHO INITIATED]
Person contacted: [INSURED / CLAIMANT / ATTORNEY / CONTRACTOR / WITNESS — name and role]
Topics discussed: [BULLET POINTS — specific topics, information exchanged, commitments made]
Outcome / next steps: [WHAT WAS AGREED, WHAT FOLLOWS FROM THIS CALL]
Adjuster: [NAME]
Under 150 words. Every contact note should document what was committed to on both sides.
Category 5: Legal and Compliance Documentation
Prompt 21 — Proof of Loss Request Letter
Write a letter requesting a Signed Proof of Loss from a policyholder.
Insured: [NAME]
Claim number: [CLAIM #]
Loss date: [DATE]
Reason proof of loss is required: [POLICY REQUIREMENT / CLAIM COMPLEXITY / LARGE LOSS — specify]
Deadline: [DATE — typically based on policy timeframe, often 60 days from request]
Consequences of non-submission: [EXPLAIN — may result in denial for failure to cooperate]
What to include in the proof of loss: [ITEMIZED LIST REQUIREMENT — for contents claims, damage scope, business interruption detail]
Contact: [ADJUSTER NAME, PHONE, EMAIL]
Under 250 words. Clear deadline and clear consequence if not met.
Prompt 22 — Appraisal Demand Response
Write a response letter to a policyholder invoking the appraisal provision.
Insured: [NAME]
Claim number: [CLAIM #]
Policyholder's appraisal demand: [DATE RECEIVED]
Our response: [WE ACCEPT THE APPRAISAL PROCESS AS REQUIRED BY POLICY SECTION X]
Next steps: [APPOINTMENT OF CARRIER APPRAISER, TIMELINE FOR UMPIRE SELECTION IF NEEDED]
What the appraisal process covers: [AMOUNT OF LOSS — not coverage, which remains our determination]
Our appraiser: [NAME AND CONTACT — or "to be appointed within X days"]
Process: [BRIEF EXPLANATION — both parties appoint appraisers, appraisers select umpire, 2 of 3 bind the amount]
Cooperative, process-focused. Under 250 words.
Prompt 23 — Excess Demand Response (Litigation Threat)
Write a professional response to a demand letter from a claimant's attorney threatening litigation if settlement is not reached.
Claimant's attorney: [NAME, FIRM]
Our insured: [NAME]
Claim number: [CLAIM #]
Their demand: [$AMOUNT] by [DEADLINE]
Our current offer: [$AMOUNT]
Basis for our position: [FACTUAL SUMMARY — liability analysis, damages assessment, reserve basis]
Our response to the demand: [COUNTEROFFER / ACCEPTANCE / REJECTION WITH BASIS]
Limitations concerns: [IF APPLICABLE — statute of limitations, Stowers/excess demand doctrine in applicable state]
Note: Letters involving excess demands and potential bad faith exposure should be reviewed by coverage counsel before sending. This template is a starting point. Under 400 words.
Prompt 24 — Additional Living Expenses (ALE) Authorization Letter
Write a letter authorizing additional living expenses for a displaced policyholder.
Insured: [NAME]
Claim number: [CLAIM #]
Displacement reason: [FIRE / WATER DAMAGE / OTHER — property uninhabitable]
ALE coverage available: [POLICY LIMITS — $AMOUNT or % of dwelling limit]
What ALE covers: [TEMPORARY HOUSING / MEALS / TRANSPORTATION — to the extent it exceeds normal living expenses]
Approved temporary housing: [HOTEL / RENTAL — authorization amount per week]
Expense submission process: [RECEIPTS REQUIRED, SUBMIT TO ADJUSTER BY X DATE, REIMBURSEMENT TIMELINE]
ALE time limit: [POLICY DURATION LIMIT OR "until home is repaired/rebuilt"]
Authorization period: [START DATE through ESTIMATED END DATE]
Under 250 words. Clear about what is covered, what is not, and how to submit.
Category 6: Bonus High-Value Scenarios
Prompt 25 — Commercial Property Claim Loss Statement
Write a commercial property loss statement for a business interruption or property claim.
Business insured: [NAME, TYPE OF BUSINESS]
Claim number: [CLAIM #]
Date of loss: [DATE]
Covered cause of loss: [FIRE / WATER / WIND / OTHER]
Property damage: [DESCRIBE — building, equipment, inventory affected]
Business interruption period: [START DATE to PROJECTED RESTORATION DATE]
Documented lost revenue: [$AMOUNT — with source: prior period financials, tax returns, projections]
Continuing expenses during closure: [RENT, UTILITIES, PAYROLL — itemized]
Business interruption loss calculation: [NET INCOME LOSS + CONTINUING EXPENSES = TOTAL BI CLAIM]
Waiting period: [POLICY DEDUCTIBLE IN DAYS — first X days not covered]
Net covered BI loss: [CALCULATION]
Complex commercial claim — requires financial documentation support. Under 400 words.
Prompt 26 — Bad Weather Claim Denial Appeal Response
Write a response to a policyholder appealing a weather-related claim denial.
Original denial basis: [REASON — gradual damage / pre-existing condition / no sudden event / cosmetic damage exclusion]
Policyholder's appeal argument: [WHAT THEY ARGUE — the storm caused it / they have a contractor saying it's storm damage]
Our maintained position: [WHY WE MAINTAIN THE DENIAL — with specific evidence supporting our position]
New evidence considered: [IF ANY — if there was new information, acknowledge it and explain how it was evaluated]
Final determination: [DENIAL MAINTAINED / PARTIAL RECONSIDERATION — with basis]
Further appeal rights: [APPRAISAL / STATE INSURANCE DEPARTMENT / EXTERNAL REVIEW]
Thoughtful, specific, addressed to every argument raised in the appeal. Under 350 words.
Prompt 27 — Depreciation Explanation Letter
Write a letter explaining depreciation applied to a property claim settlement.
Insured: [NAME]
Claim number: [CLAIM #]
Total estimated replacement cost: [$AMOUNT]
Depreciation applied: [$AMOUNT — for each category: roof, structure, contents as applicable]
Actual cash value payment: [$AMOUNT — net of deductible]
What depreciation represents: [PLAIN LANGUAGE — age and condition factor applied to replacement cost]
How depreciation was calculated: [METHODOLOGY — standard depreciation tables / item age and condition / policy-specified]
Recoverable depreciation: [IF POLICY PROVIDES — how to recover: submit final invoice for completed repairs, adjuster will review and release holdback]
Deadline for recoverable depreciation: [POLICY DEADLINE — typically 12-24 months from settlement]
Under 300 words. Depreciation disputes are the #1 source of policyholder complaints. Clear explanation prevents them.
Prompt 28 — Contents Claim Inventory Review Letter
Write a letter to a policyholder regarding their submitted contents inventory.
Insured: [NAME]
Claim number: [CLAIM #]
Contents inventory received: [DATE]
Items accepted as claimed: [SUMMARY — accepted items, total value]
Items requiring documentation: [LIST — items where we need receipts, photos, or purchase documentation]
Items disputed: [LIST — items where value or ownership is questioned, with specific basis for each]
Next steps: [DEADLINE FOR ADDITIONAL DOCUMENTATION / PARTIAL PAYMENT OFFER FOR UNDISPUTED ITEMS]
Contact for questions: [ADJUSTER]
Clear, organized, with a specific deadline for response. Under 300 words.
Prompt 29 — Storm Damage Claim Acknowledgment for CAT Situation
Write a high-volume CAT event claim acknowledgment letter.
Carrier/company: [NAME]
CAT event: [HURRICANE / HAIL / TORNADO / ICE STORM — date and area]
Claim number: [CLAIM #]
Insured: [NAME]
Message: [WE RECEIVED YOUR CLAIM, WE ARE AWARE OF THE WIDESPREAD DAMAGE IN YOUR AREA, WE ARE DEPLOYING ADDITIONAL RESOURCES]
Timeline: [INSPECTION SCHEDULING — realistic estimate given CAT volume]
Emergency mitigation reminder: [DO NOT MAKE PERMANENT REPAIRS, SAVE ALL RECEIPTS FOR EMERGENCY WORK]
Emergency mitigation limit: [POLICY LIMIT IF APPLICABLE]
Contact: [CAT HOTLINE NUMBER]
Short, empathetic, and honest about timeline. Under 200 words.
Prompt 30 — Claim Closure Letter
Write a claim closure letter after full and final settlement.
Insured: [NAME]
Claim number: [CLAIM #]
Settlement reached: [$AMOUNT]
Settlement date: [DATE]
What this closes: [ALL CLAIMS ARISING FROM THE [DATE] LOSS AT [ADDRESS]]
Signed release: [IF SIGNED — "your signed release was received on [DATE]" / IF PAYMENT IS FINAL WITHOUT RELEASE — note policy]
What to keep: [E.g., "please keep copies of all receipts and the final contractor invoice for your records"]
Re-opening conditions: [TYPICALLY NOT APPLICABLE AFTER FINAL SETTLEMENT — or address if there is a re-open right under policy]
Thank you: [BRIEF — handling your claim was a priority]
Professional, warm, and final. Under 200 words.
Prompt 31 — Internal Reserve Change Documentation
Write an internal file note documenting a claims reserve change.
Claim number: [CLAIM #]
Previous reserve: [$AMOUNT — total indemnity + expense reserves]
New reserve: [$AMOUNT — indemnity / LAE / total]
Reason for change: [SPECIFIC — new information received, new expert opinion, litigation initiated, settlement negotiation, additional investigation]
Supporting documentation: [WHAT DRIVES THE CHANGE — expert report, attorney demand, new contractor estimate]
Supervisory approval required: [YES — if above authority limit / NO — within adjuster authority]
Adjuster: [NAME]
Date: [DATE]
Internal documentation only. Under 150 words. Reserve adequacy is an ongoing supervisory review item — this note creates the record.
Prompt 32 — Annual Performance Self-Assessment for Claims Adjuster
Write a professional self-assessment for an annual performance review as a claims adjuster.
File performance this year: [AVERAGE DAYS TO CLOSE / SEVERITY PER FILE / REOPENED FILE RATE — any metrics available]
Complex files handled: [2-3 EXAMPLES — describe claim type and how it was resolved]
Customer service outcomes: [COMPLAINT RATE / COMMENDATIONS RECEIVED]
Professional development: [AIC, CPCU, SCLA, or other designations completed or in progress]
Technical skills strengthened: [COVERAGE ANALYSIS / LITIGATION MANAGEMENT / LARGE LOSS / CAT / SPECIFIC LINE]
Goals for next year: [3 SPECIFIC GOALS — technical, professional, or workflow]
Professional, evidence-based, specific. Under 300 words.
Prompt 33 — Mediation Preparation Summary
Write an internal mediation preparation summary for a disputed claim.
Claim number: [CLAIM #]
Claimant: [NAME — represented or unrepresented]
Dispute: [WHAT IS IN DISPUTE — coverage / value / liability percentage]
Our position: [FACTUAL SUMMARY — what our investigation found, our coverage basis, our valuation]
Supporting evidence: [LIST — documents, expert opinions, photographs, statements]
Settlement authority: [$RANGE — what we're authorized to settle within]
Opening offer strategy: [RATIONALE — where to open and why]
Walk-away point: [IF MEDIATION FAILS — what are our next steps: denial, litigation, appraisal]
Known claimant vulnerabilities: [ANY WEAKNESSES IN THEIR POSITION — factual or legal — document professionally]
Confidential internal strategy document. Under 400 words.
Prompt 34 — Claims Department Training Scenario Write-Up
Write a claims training scenario for a new adjuster.
Claim type: [PROPERTY / AUTO / LIABILITY — specific scenario]
Scenario: [DESCRIBE THE CLAIM FACTS — enough detail to challenge the trainee]
Key issues: [3-4 COVERAGE OR INVESTIGATION ISSUES EMBEDDED IN THE SCENARIO]
What the trainee should do: [CORRECT PROCESS — investigation steps, documentation required, coverage analysis approach]
Common mistakes on this scenario type: [WHAT NEW ADJUSTERS TYPICALLY GET WRONG]
Correct outcome: [WHAT THE RIGHT DETERMINATION IS AND WHY]
Training document format. Under 400 words. Scenario-based learning is the most effective for claims training.
Prompt 35 — Claims Department Quarterly Report Executive Summary
Write an executive summary for a claims department quarterly performance report.
Quarter: [Q1 / Q2 / Q3 / Q4 YEAR]
Key metrics: [TOTAL CLAIMS OPENED / CLOSED / PENDING, AVERAGE CYCLE TIME, AVERAGE SEVERITY, COMBINED RATIO COMPONENT IF AVAILABLE]
CAT losses: [ANY SIGNIFICANT EVENT LOSSES THIS QUARTER]
SIU referrals: [NUMBER, FRAUD CONFIRMED SAVINGS IF MEASURED]
Customer complaint rate: [# / % CHANGE FROM PRIOR QUARTER]
Litigation update: [OPEN SUITS, NEW SUITS THIS QUARTER, RESOLVED]
Department highlights: [POSITIVE OUTCOMES — staff development, technology implementation, new protocols]
Areas for improvement: [HONEST ASSESSMENT — where targets were missed]
Outlook for next quarter: [ANTICIPATED VOLUME, CAT EXPOSURE, STAFFING NEEDS]
Executive tone. Under 400 words. Board-level summary.
Start With These Three
If you're new to using AI for claims documentation, start here:
- Prompt 6 — Coverage denial letter. Your next denial gets written with this template — precise, policy-referenced, compliant.
- Prompt 11 — Policyholder acknowledgment letter. Every new claim gets a professional first touch in 5 minutes instead of 20.
- Prompt 15 — Subrogation demand letter. Recover money you've already paid out with a demand letter that gets taken seriously.
The rest of the prompts build the complete claims documentation library. One category at a time.
Get the Complete Claims Adjuster AI Toolkit
These 35 prompts are the foundation. The complete Insurance Claims Adjuster AI Toolkit includes 80+ prompts covering every documentation scenario in property and casualty claims — from commercial general liability reports to workers' compensation file management to catastrophe CAT claim batch processing.
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Works with Claude, ChatGPT, and DeepSeek. Copy-paste ready. No AI expertise required.
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