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Run your side of a home insurance claim
An insurance claim means months of receipts, emails, and deadlines while your home is a mess.
What the agent did
After a burst water pipe, a Hacker News commenter says he's using Claude to run his side of a claim with a large insurer. It reads the policy, files scans of his receipts for extra living expenses, tells him about new messages from the insurance agents, keeps a log of all correspondence plus work estimates and invoices, points out when the adjuster is slow or breaks a promise, and pushes back on coverage decisions using the policy wording. He says it has become firm that he should file a complaint with his state's insurance regulator. The claim was still open when he posted.
What the owner still checks
Review before you send: you're responsible for every reply to your insurer, so read each draft and check the policy quotes yourself. The AI's reading of your policy isn't legal advice. If a big amount is denied, consider a public adjuster or lawyer before you escalate. Keep your own copies of every receipt.
It is handy with folders of files. Open one result you already know is right before you trust the whole batch.
Try this job
Starter prompt written by Agents 101. This was written for this guide. It is not a quote from the original post. Change the names, amounts, and accounts so they match you before you send it.
Help me manage my home insurance claim. I've attached my policy and everything I have so far. 1) Summarize what my policy covers for this kind of loss, including any limits, deductibles, and extra living expenses, and quote the page and section for each. 2) Keep a claim log in the format below. Add every email, call, receipt, estimate, and invoice I give you. 3) Each time I share a message from the insurer, tell me what they're asking for, any deadline, and whether anything they've said seems to conflict with the policy, and quote the wording. 4) Draft replies for me to review. Don't send anything. Claim log columns: Date | Who (name/role) | How (email/call/letter) | What was said or sent | Promised next step and due date | Done? | Files attached
Source
Hacker News (opens in a new tab), dated .
Added to Agents 101 on . Any dollar amounts are what the original person said. We did not check them.