Insurance claim documentation prep
After a hurricane, flood, or fire, policyholders face two problems at once: documenting a claim well enough to be paid fairly, and insurers that drag their feet. Most people do the documentation badly (photos too late, no inventory, no paper trail) and never learn that many jurisdictions owe them statutory interest when claim payment is late.
This service helps policyholders build the claim file themselves and prepares interest-demand letters when payment stalls. It stays firmly on the documentation side of the line; negotiating claims for a fee is licensed public-adjuster work.
The job
Before or right after a loss, you help the policyholder assemble what adjusters actually look for: dated photo and video inventory, receipts and serial numbers, a room-by-room contents list, a communications log, and a clean timeline. You package it so their claim tells its own story.
When an insurer sits on a claim past the statutory clock, you run the prompt-pay check: many US states and other jurisdictions set deadlines for acknowledgment, decision, and payment, with interest owed on late payment. If interest is due, you generate a citation-locked demand letter the policyholder sends.
Who it suits
Organized, calm people who can work with families on their worst week. Contractors, former adjusters, and estate organizers cross over naturally.
Startup cost and tools
| What | Cost | Notes |
|---|---|---|
| Engine calls per client | ~$2.20 | Claims guidance ($0.08), prompt-pay interest check ($0.10), demand letter ($2.00) |
| Documentation kit | $0 | Phone camera and a spreadsheet; your process is the product |
Engine prices are the live public catalog prices, the same sheet agents pay. No subscription is required to use them.
The licensing question
The bright line: helping someone document their own claim and preparing letters they send is generally lawful; negotiating, adjusting, or settling a claim on someone’s behalf for a fee requires a public adjuster license in most US states (and equivalents elsewhere), and states like Florida and Texas police this actively after storms. Never touch the negotiation, never take a percentage of the payout, and put the disclaimer in writing. Some states also regulate post-disaster solicitation; know your state’s rules before you market after a storm.
How the engine does the heavy lifting
The engine supplies the claims-documentation playbook, runs the statutory prompt-pay math per jurisdiction, and writes the interest-demand letters with verified citations.
/api/insure/claim$0.08Insurance claims guidance/api/insure/prompt-pay$0.10Late-claim interest check — statutory prompt-pay interest math (deterministic, no LLM)/api/insure/prompt-pay-letter$2.00Citation-locked late-claim interest demand letter ($2)/api/insure/home$0.10Homeowners insurance gap analysisYour first customer in 30 days
- Build the pre-loss documentation offer first: a home inventory session sold in calm weather. It’s recurring, uncontroversial, and it seeds the client list that calls you after a storm.
- Learn your state’s prompt-pay statute by running five test checks with different claim timelines.
- Write the scope disclaimer (documentation and letters, no negotiation, no adjusting) and read your state’s public-adjuster statute so you know exactly why it’s there.
- Introduce yourself to two independent insurance agents; they refer documentation help without hesitation because it makes their claims go smoother.
Hand this to your assistant
This blueprint has a machine-readable page with the current endpoints, prices, and setup steps. Paste this into Claude, ChatGPT, or any assistant that can fetch a URL:
Machine page: https://pulse.theaslangroupllc.com/fieldguide/insurance-claim-documentation.json
Start this one
The engines are pay-per-call, no subscription. Agents pay per call over x402 (USDC on Base or Solana). If you're a human, get a starter key: it takes about a minute, includes a $0.25 trial balance, and tops up by card (Stripe) or USDC. No crypto wallet required. Prefer email? Write to info@theaslangroupllc.com with the subject "Starter key: insurance-claim-documentation" and we'll provision one by hand, usually the same day.
The Field Guide book, with all 75 blueprints expanded, is in progress. The hub is free either way.