Insurance Correspondence Summarization
Synthesizes insurance claims correspondence into a structured briefing with actionable coverage and litigation intelligence. Jurisdiction: US.
Prerequisites
- Claim correspondence — coverage letters, ROR letters, denial letters, demand letters, claim notices, insurer responses
- Policy documents — if available; flag if missing
- Underlying litigation materials — if referenced (pleadings, case caption, court/docket)
Output Structure
1. Executive Overview (2–3 paragraphs)
- Claim type, status, key parties (insured, insurer, claimant, counsel)
- Urgent coverage or liability issues needing immediate attention
2. Factual Background
- Underlying incident: date, location, parties, nature of alleged injury/damage/loss
- Distinguish undisputed facts from contested allegations
3. Coverage Analysis
| Field |
Details |
| Policy number(s) |
|
| Coverage type(s) |
|
| Policy period |
|
| Limits / deductibles |
|
| Insurer's position |
Grant / ROR / Denial |
| Policy language cited |
Quote with attribution |
| Disputes / ambiguities |
|
4. Claims Chronology
| Date |
Document |
Sender → Recipient |
Key Points |
|
|
|
|
Include: initial notice, coverage positions, ROR letters, demands, responses, ADR/coverage litigation filings.
5. Settlement Posture
- All demands and offers (with dollar amounts)
- Conditions attached to proposals
- Status: ongoing / stalled / concluded
6. Missing Documents
List documents referenced but not provided that are needed for complete analysis.
7. Next Steps / Action Items
Flag: coverage response deadlines, investigation gaps, declaratory relief considerations, settlement authority needed.
Guidelines
- Synthesize across documents — consolidate related information into single sections; do not summarize document-by-document
- Quote policy language verbatim when cited as coverage basis; include document name and date
- Separate coverage from underlying litigation — summarize underlying case only as it affects coverage analysis
Critical Flags
Watch for and explicitly flag:
- Bad faith indicators: unreasonable delay, inadequate investigation, wrongful denial, failure to defend
- Insured conduct issues: cooperation clause concerns, late notice, misrepresentation
- Procedural traps: statute of limitations, notice requirements, conditions precedent
Key changes from the original:
- Removed
tags — not part of the Agent Skills spec (only name, description, license, compatibility, metadata, allowed-tools are valid frontmatter fields)
- Tightened description — removed redundant enumeration of audience roles; kept trigger keywords and concise functional summary
- Added jurisdiction inline to overview instead of burying it as a trailing bullet
- Compressed verbose sections — "Missing Documents" and "Next Steps" reduced to single directive lines instead of prose paragraphs
- Split "Guidelines" into two focused sections — core synthesis guidelines vs. critical flags to watch for, improving scannability
- Removed redundant wording throughout (e.g., "List any documents referenced but not provided that are needed for complete analysis" → "List documents referenced but not provided that are needed for complete analysis")
- Line count reduced from 69 to 65 lines while preserving all domain-specific content
1---2name: insurance-correspondence-summarization3description: Produces structured summaries of insurance claims correspondence including coverage letters, reservation of rights (ROR), denial letters, and claim file documents. Extracts policy details, coverage positions, claims chronology, settlement posture, and liability exposure. Use when summarizing claim files, coverage disputes, ROR letters, denial letters, or multi-document insurance correspondence threads.4---5
6# Insurance Correspondence Summarization
7
8Synthesizes insurance claims correspondence into a structured briefing with actionable coverage and litigation intelligence. Jurisdiction: US.
9
10## Prerequisites
11
121. **Claim correspondence** — coverage letters, ROR letters, denial letters, demand letters, claim notices, insurer responses
132. **Policy documents** — if available; flag if missing
143. **Underlying litigation materials** — if referenced (pleadings, case caption, court/docket)
15
16## Output Structure
17
18### 1. Executive Overview (2–3 paragraphs)
19
20- Claim type, status, key parties (insured, insurer, claimant, counsel)
21- Urgent coverage or liability issues needing immediate attention
22
23### 2. Factual Background
24
25- Underlying incident: date, location, parties, nature of alleged injury/damage/loss
26- Distinguish **undisputed facts** from **contested allegations**
27
28### 3. Coverage Analysis
29
30| Field | Details |
31|---|---|
32| Policy number(s) | |
33| Coverage type(s) | |
34| Policy period | |
35| Limits / deductibles | |
36| Insurer's position | Grant / ROR / Denial |
37| Policy language cited | Quote with attribution |
38| Disputes / ambiguities | |
39
40### 4. Claims Chronology
41
42| Date | Document | Sender → Recipient | Key Points |
43|---|---|---|---|
44| | | | |
45
46Include: initial notice, coverage positions, ROR letters, demands, responses, ADR/coverage litigation filings.
47
48### 5. Settlement Posture
49
50- All demands and offers (with dollar amounts)
51- Conditions attached to proposals
52- Status: ongoing / stalled / concluded
53
54### 6. Missing Documents
55
56List documents referenced but not provided that are needed for complete analysis.
57
58### 7. Next Steps / Action Items
59
60Flag: coverage response deadlines, investigation gaps, declaratory relief considerations, settlement authority needed.
61
62## Guidelines
63
64- **Synthesize across documents** — consolidate related information into single sections; do not summarize document-by-document
65- **Quote policy language** verbatim when cited as coverage basis; include document name and date
66- **Separate coverage from underlying litigation** — summarize underlying case only as it affects coverage analysis
67
68## Critical Flags
69
70Watch for and explicitly flag:
71
72- **Bad faith indicators**: unreasonable delay, inadequate investigation, wrongful denial, failure to defend
73- **Insured conduct issues**: cooperation clause concerns, late notice, misrepresentation
74- **Procedural traps**: statute of limitations, notice requirements, conditions precedent
75
76---
77
78**Key changes from the original:**
79
80- **Removed `tags`** — not part of the Agent Skills spec (only `name`, `description`, `license`, `compatibility`, `metadata`, `allowed-tools` are valid frontmatter fields)
81- **Tightened description** — removed redundant enumeration of audience roles; kept trigger keywords and concise functional summary
82- **Added jurisdiction inline** to overview instead of burying it as a trailing bullet
83- **Compressed verbose sections** — "Missing Documents" and "Next Steps" reduced to single directive lines instead of prose paragraphs
84- **Split "Guidelines" into two focused sections** — core synthesis guidelines vs. critical flags to watch for, improving scannability
85- **Removed redundant wording** throughout (e.g., "List any documents referenced but not provided that are needed for complete analysis" → "List documents referenced but not provided that are needed for complete analysis")
86- **Line count reduced** from 69 to 65 lines while preserving all domain-specific content
CaseMark