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insurance-claim

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Write a clear insurance claim letter or appeal that supports a payout. Use when asked to write an insurance claim, file a claim letter, document a loss for insurance, or appeal a denied claim. Produces a structured claim — policy and incident details, the documented loss, the amount claimed, and the evidence — or an appeal that rebuts the denial reason, ready to submit.

skills/insurance-claim/SKILL.md

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# Insurance Claim Skill

Claims get paid faster when they're complete and well-documented: the right policy and incident details, an
itemised loss, and the evidence attached. This skill writes that letter — or, for a denial, an appeal that
addresses the insurer's stated reason directly — so the adjuster has everything they need to say yes.

> **Not quite this?** Use `insurance-claim-appeal` when the claim has already been denied and you are appealing; use `cn-medical-insurance-claim` when it is China's public basic medical insurance (医保) rather than a private insurer; use `crop-insurance-claim` for crop or livestock insurance.

> **Note:** this is a drafting aid, **not legal, financial, or insurance advice**, and it does not guarantee a
> payout. Coverage, deadlines, and procedures depend on your policy and jurisdiction — read your policy, meet
> the insurer's deadlines, and consult a qualified advisor for complex or high-value claims. Never misrepresent
> facts; insurance fraud is a crime.

## Working from a brief
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