Home insurance claim builder for first-time filers

What it does

Insurance adjusters do this every day. You don't. That gap — in language, documentation, and knowing what evidence actually moves the number — is where settlements shrink. This skill closes the gap. Tell it the peril (water, fire, theft, wind, hail, vandalism), the date of loss, and what happened. It returns a full claim packet: a first-person incident narrative, chronological timeline with documentation column, a peril-specific evidence checklist, an adjuster call script, anticipated pushback with fact-based rebuttals, and a formal dispute letter template for when the offer comes in low. Built for the homeowner filing their first claim — flooded basement, kitchen fire, break-in, hail-damaged roof — who doesn't know what the adjuster is actually looking for or what their rights are when the first offer is insulting. Two bundled references do the work: a peril-specific evidence guide covering sudden-and-accidental vs. gradual water damage, smoke penetration through HVAC, theft sublimits (jewelry $1,500-$2,500, firearms $2,500, cash $200), hail impact pattern documentation, depreciation and ACV vs. RCV disputes, and Xactimate estimate challenges; plus a certified-mail dispute letter template that invokes the appraisal clause and threatens DOI complaint escalation. Not legal advice and not a public adjuster — it's the prep work a public adjuster would do in your first meeting, handed to you before you pick up the phone. Use it to fight a lowball insurance claim offer, or build the file before the adjuster ever shows up.

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