🧭 Claim Timeline & Sequence Guide

Why It Matters

Starting the clock on insurer response deadlines. Most states require acknowledgment within 14 days.

Common Mistakes

• Waiting too long to notify
• Incomplete contact information
• Not keeping proof of delivery

Regulation Tip

Send via certified mail and keep the receipt. Some states require specific language.

Checklist

• Upload policy PDF
• Describe loss clearly
• Attach initial photos if available
• Send certified mail

AI Prompts

"Generate a Notice of Claim for [loss type] on [date] with policy # [number]"

Why It Matters

Creates a timeline that supports your claim and counters insurer delays or denials.

Common Mistakes

• Not documenting daily communications
• Missing timestamps on photos
• Losing receipts and invoices

Regulation Tip

Some states require detailed documentation. Keep originals and digital copies.

Checklist

• Add today's diary entry
• Upload photo set with timestamps
• Save every receipt to a single folder
• Record all phone calls with adjusters

AI Prompts

"Create a claim diary entry for [date] documenting [event]"

Why It Matters

Know your rights and coverage limits before negotiating with the insurer.

Common Mistakes

• Not reading exclusions carefully
• Missing coverage endorsements
• Ignoring filing deadlines

Regulation Tip

Some states have specific coverage requirements that override policy language.

Checklist

• Upload the full policy
• Note deductibles per coverage
• Highlight key clauses to cite later
• Check for additional living expense coverage

AI Prompts

"Analyze my policy for coverage of [specific damage type]"

Why It Matters

Required document that triggers insurer's obligation to respond with payment or denial.

Common Mistakes

• Underestimating damages
• Missing supporting documentation
• Filing after deadline

Regulation Tip

Most states require filing within 60 days. Some allow extensions with good cause.

Checklist

• Confirm totals & coverage buckets
• Arrange notarization
• Keep proof of submission
• Include all supporting estimates

AI Prompts

"Generate Proof of Loss for [damage type] totaling $[amount]"

Why It Matters

Identifies underpayment and provides evidence for appeals or negotiations.

Common Mistakes

• Not getting multiple estimates
• Accepting insurer's estimate without review
• Missing scope differences

Regulation Tip

Some states require insurers to explain estimate differences. Know your rights.

Checklist

• Upload both estimates
• Flag discrepancies with notes
• Prepare bullet points for rebuttal
• Get contractor to explain differences

AI Prompts

"Compare these two estimates and highlight the key differences"

Why It Matters

Professional appeals often result in increased settlements. Document everything.

Common Mistakes

• Emotional language in appeals
• Missing supporting evidence
• Not setting response deadlines

Regulation Tip

Some states have specific appeal procedures. Follow them exactly.

Checklist

• Attach exhibits (photos, estimates, emails)
• Set a clear response-by date
• Cite specific policy provisions
• Send certified mail

AI Prompts

"Draft an appeal letter for underpayment citing [specific issues]"

Why It Matters

Regulatory complaints can force insurer compliance and result in penalties.

Common Mistakes

• Not documenting delays properly
• Missing regulatory deadlines
• Giving up too early

Regulation Tip

Each state has different complaint procedures. Research your state's requirements.

Checklist

• Compile missed deadlines & communications
• Attach proof and certified mail receipts
• File with state insurance department
• Consider hiring a public adjuster

AI Prompts

"Help me file a complaint with the state insurance department for [specific violations]"