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Grok+17 agentsInsurance Claim Letter: Document the Loss
Write a structured insurance claim or appeal letter that gives the adjuster everything needed to pay.
$5
Insurance Claim Letter: Document the Loss
Example session with this skill installed
Burst pipe in the upstairs bathroom on the 12th, discovered that evening, reported to my insurer on the 13th (claim #H-2291). Damage: bathroom vinyl floor, hallway carpet (about 20 sq m), ceiling plaster in the living room, and a sofa underneath. I have photos, a plumber's invoice ($480 emergency call-out), and a flooring quote ($2,900) and a decorator's quote ($1,150). Sofa was $1,400 two years ago. Write the claim letter.
- Read your context and instructions
- Compiled the insurance claim letter
- Generated the document
Insurance Claim Letter
[Your name] · [Address] · [Phone] · [Email]
[Date]
[Insurer name], Claims Department, [Address]
Re: Claim H-2291 — escape of water, [property address], policy [policy number]
1. The incident
On the 12th [month, year], a pipe in the upstairs bathroom burst. The leak was discovered at approximately [time] that evening when water was found coming through the living-room ceiling. The water supply was isolated immediately and an emergency plumber attended the same evening. I reported the incident to you by [phone/online] on the 13th and received claim reference H-2291.
2. The loss
| Item | Description | Basis | Amount |
|---|---|---|---|
| Emergency plumber | Call-out and pipe repair, 12th | Invoice (Enclosure 1) | $480 |
| Bathroom flooring | Vinyl floor, water-damaged, replacement | Quote (Enclosure 2) | [portion of $2,900] |
| Hallway carpet | Approx. 20 sq m, saturated, replacement | Quote (Enclosure 2) | [portion of $2,900] |
| Living-room ceiling | Plaster damage, repair and redecoration | Quote (Enclosure 3) | $1,150 |
| Sofa | Water-damaged, purchased [date] for $1,400 | Receipt or bank record (Enclosure 4) | $1,400 (replacement basis, subject to policy terms) |
3. Amount claimed
Total claimed
$5,930, comprising $480 + $2,900 + $1,150 + $1,400, less any policy excess of $[amount] which I understand will be deducted from settlement.
4. Evidence
Enclosure 1: plumber's invoice dated the 12th. Enclosure 2: flooring contractor's quote itemising bathroom vinyl and hallway carpet. Enclosure 3: decorator's quote for ceiling repair. Enclosure 4: sofa purchase record. Enclosure 5: 14 dated photographs of the burst pipe, the ceiling, the flooring, and the sofa, taken on the 12th and 13th. Further quotes or an inspection can be arranged on request.
5. Request
I request acceptance of the claim and settlement of $5,930 (less excess) within [14/30] days, or confirmation of an adjuster's visit if required. Please confirm whether emergency repairs already carried out are reimbursable directly and whether you require additional quotes for any item.
Close
I can be reached at [phone] or [email] and will provide any further documents promptly.
[Signature]
Document checklist: plumber invoice · two contractor quotes · sofa proof of purchase · dated photos · the policy schedule (for excess and any escape-of-water limits) · your report reference.
Deadlines to confirm in the policy: the notification window (you reported within 24 hours; note it) · whether emergency repairs required prior approval · the time limit for submitting full documentation · any limit or matching-set rules on carpets and flooring.
insurance-claim-letter-document-the-loss.pdf
PDF · document
Example file from a real run - the skill writes it into your workspace.
Connects securely to your tools. The creator never sees your data.
What you get
About this skill
The problem
Claims stall on missing information. A letter that tells the story without the itemized loss, the evidence list, and the specific request gets a follow-up form instead of a payout.
What it does
- Writes the header with policy and claim numbers and a Re: line.
- Sets out the incident factually and dated, then the itemized loss with values.
- States the amount claimed and how it's calculated.
- Lists the evidence enclosed and referenced.
- Adds a denial rebuttal section for appeals, quoting the denial and the policy wording.
Why this beats prompting it yourself
A general prompt writes prose. This skill produces the structure adjusters process fastest: incident, itemized loss, amount, evidence, request, with placeholders for anything you haven't provided.
Use cases
- A burst pipe damaged flooring and furniture.
- A stolen laptop and camera on a renters policy.
- A car claim after a collision where the other party disputes fault.
- Appealing a partial payout.
Known limitations
Not legal advice. Policy deadlines and documentation requirements vary; the skill provides a document checklist and notes on deadlines to confirm with the policy.
How to install
Works the same in every agent - Claude, Cursor, Codex, Copilot and 20+ more.
- 1
Download the ZIP
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- 2
Unzip into your skills folder
Every agent reads skills from one folder on your machine. Drop the unzipped folder in there.
- 3
Ask your agent to use it
Restart the agent if it was already running. It picks the skill up automatically - no config needed.
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Click the path to copy it. Create the folder if it does not exist yet.
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