Tell it your insurer, your damage, and your state — get a full insurance claim packet with the wording, photos, and prep that public adjusters charge 10–20% of your settlement to produce.
$3.99
Works in Claude (Pro/Max/Team) or ChatGPT (Plus/Team) · paid AI plan required
✓Both Claude + ChatGPT packages included — you can't pick the wrong one.
Updated
Included
01Writes the claim narrative in policy language — 'wind-driven rain', 'hail impact', 'sudden and accidental loss' — and strips out the words that kill coverage ('wear and tear', 'old', 'maintenance')
02Photo checklist tailored to your storm type — soft-metal hail dents on AC condensers and gutters, granule loss with quarter-for-scale, interior ceiling stains, weather.gov screenshots
03Adjuster-meeting prep: what to show first, what NOT to say, how to walk them through the roof, and the line items most often missing from a Xactimate estimate
04Flags carrier-specific tactics — State Farm matching limits, Allstate depreciation on 10+ year roofs, Farmers' cosmetic-vs-functional argument — so you know what's coming
05Five Do Not Sign warnings — ACV-only release, AOB forms, full-and-final settlements, below-deductible closures, mortgage-payable checks — with the exact language to look for
06Pulls your state's filing deadline, matching law, and wind/hail deductible rules (Florida hurricane deductible, Minnesota matching, Texas 15-day notice)
What it does
Public adjusters charge 10–20% of your settlement to do exactly what this skill does: document the storm damage correctly, frame the narrative in insurer language, prep you for the adjuster visit, and keep you from signing something that closes the claim too early. This skill is the homeowner version of that work.
Tell it your insurer, your damage type (hail vs. wind vs. wind-driven rain), the storm date, and your state — and it produces a printable HTML packet you carry to the adjuster meeting: a roof claim narrative for insurance written in covered-peril language, a photo documentation checklist tuned to your damage type, an adjuster-meeting walkthrough with the questions to ask before they leave, and the five Do Not Sign warnings that prevent the most common settlement traps. The bundled insurance-language-guide.md covers approved vs. prohibited wording for hail, wind, and interior water damage, plus known adjuster patterns for State Farm, Allstate, USAA, Farmers, Liberty Mutual, and Nationwide. The state-deadline-rules.md reference loads your state's filing window, matching law, and assignment-of-benefits rules the moment you provide your location.
It will not help fabricate damage — ask it to write up old wear as storm damage and it will refuse and explain why that backfires under examination under oath. But if you have a real claim and you're walking into the adjuster meeting alone, this is what evens the table.
Frequently asked
How do I file a roof damage insurance claim after a hailstorm?
Tell the skill your insurer, the storm date, and what damage you can see. It produces the photo checklist you should shoot before the adjuster arrives (soft-metal dents, granule loss, interior stains), writes the claim narrative in covered-peril language, and gives you an adjuster-meeting prep sheet. File notice with your insurer within 48 hours either way — that deadline is the single most common procedural denial.
What words should I avoid when describing roof damage to my insurance company?
Never say 'old', 'wear and tear', 'deterioration', 'maintenance', or 'previous damage' — those words signal gradual loss, which is excluded. Use 'sudden and accidental loss', 'wind-driven rain', 'hail impact damage', and 'storm event of [date]' instead. The bundled language guide has the full approved-vs-prohibited table by damage type.
Should I sign the AOB form my contractor gave me?
No — almost never. Assignment of Benefits transfers your claim rights to the contractor and has been so abused it's now banned for residential property claims in Florida and restricted in Georgia. Reputable contractors don't require AOB to start work. Get two independent estimates before signing anything beyond a standard contract.
The adjuster said the damage is below my deductible. What do I do?
Request the written itemized scope they used to reach that number. Don't accept a verbal 'below deductible' close. Get a licensed roofing contractor to walk the roof and document soft-metal hail evidence on AC condensers, vents, and gutters — those are the hits adjusters most often miss or undercount. File a supplement request with the documented gap.
Can't I just write the claim letter myself with ChatGPT?
You can draft something, but the value here is the specific carrier patterns (State Farm Xactimate, Allstate depreciation), the state-by-state filing deadlines and matching laws, the photo checklist tuned to your storm type, and the Do Not Sign warnings that block the most common settlement traps. Those are bundled references doing the work — not prompt cleverness.
Install — no Terminal required
After checkout you land on a page with a one-click download and a pre-built install prompt. Pick the AI you already pay for — both packages are included, so you can't pick wrong.
What you'll see the second your payment clears
Your license key
ST-XXXX-XXXX-XXXX · permanent
Pre-built install prompt⧉ Copy
ChatGPT package (ZIP)⬇ Download
No setup work before you buy — copy, paste, done.
Have Claude Pro, Max, or Team?
Copy the prompt, paste into Claude
Copy the pre-built install prompt from the success page, paste it into any Claude Code chat, and Claude installs the skill itself — about 10 seconds. Using the app instead? Drop the downloaded folder into a Claude Project's knowledge and ask Claude to use it.
Have ChatGPT Plus or Team?
Build a Custom GPT — ~2 minutes
Click Download ChatGPT package (included with every purchase).
Unzip it — inside is a SETUP.md and a knowledge/ folder.
Go to chatgpt.com → your profile → My GPTs → Create a GPT → Configure.
Paste the Name, Description, and Instructions from SETUP.md into the matching fields.
Under Knowledge, upload every file in the knowledge/ folder.
Click Create/Save, open your GPT, and describe your task in plain English.
A paid plan on either platform is required — Claude (Pro, Max, or Team) or ChatGPT (Plus or Team). Comfortable with Terminal? A one-line npx skilltree-network install path is available too.