ClaimNavigatorAI

Negotiation Scripts

Professional negotiation scripts, tactics, and strategies to maximize your claim settlement.

Initial Response Scripts ▼

Professional scripts for your first contact with the insurance company.

First Call Script

"Hello, I'm calling to report a [Claim Type] loss filed on [Date of Loss]. I have documentation and photos ready. I'd like to schedule an inspection. What's the next step?"

Follow-Up Script

"I'm following up on my claim filed on [Date of Loss]. I have additional documentation and would like to discuss the next steps. When can I expect an update?"
Settlement Negotiation Suite ▼

Strategies for negotiating higher settlement offers.

Lowball Offer Response

"I appreciate your offer, but based on my documentation and comparable claims, I believe the settlement should reflect the full extent of damages totaling [Evidence]. Can we discuss revising this?"

Counter-Offer Script

"I've reviewed your offer of $[X]. Based on my contractor's estimate of $[Y], I'm prepared to accept that amount to fairly settle this claim."
Documentation & Evidence Requests ▼

Scripts for requesting necessary documentation and information.

Policy Copy Request

"Please provide a complete copy of my policy, all endorsements, and the applicable declarations page. I'd also like a written explanation of coverage limits and exclusions."

Adjuster Report Request

"I'm requesting a full copy of the adjuster's report, all photos taken, and the scope or methodology used for the evaluation."
Escalation & Legal Leverage ▼

When to escalate and how to do it professionally.

Supervisor Escalation

"I'd like to speak with a supervisor about delays and unresolved issues in my claim. A higher-level review seems necessary at this point."

Regulatory Complaint Draft

"This complaint concerns the mishandling of claim #[Claim #]. Despite repeated follow-ups, the insurer has failed to meet statutory timeframes. I'm requesting regulatory review."
Advanced Negotiation Strategy Center ▼

Comprehensive negotiation strategies and psychological tactics.

Psychological Tactics

  • Use anchoring and documentation leverage
  • Create urgency with polite deadlines
  • Build rapport with adjusters
  • Present strongest evidence first
💡 Learn More Psychological tactics help you maintain control of the negotiation while building positive relationships with insurance representatives.

Legal Leverage

  • Reference state unfair claims statutes
  • Cite policy obligations and deadlines
  • Document all communications
  • Mention regulatory oversight when appropriate
💡 Learn More Legal leverage ensures you're operating within your rights and can escalate if necessary.

Evidence Strategy

  • Present strongest proof first
  • Use expert reports and cost estimates
  • Compare with market rates
  • Highlight policy coverage clearly
💡 Learn More Strong evidence presentation makes your case undeniable and supports higher settlement amounts.

Tone & Rapport

  • Be assertive, not aggressive
  • Use professionalism and patience
  • Reinforce fairness and clarity
  • Maintain detailed records
💡 Learn More Professional tone builds trust while maintaining your position and ensuring fair treatment.

Negotiation Journal

Track your negotiation progress and outcomes.