AI skills for public adjusters and claims desks

What does a claims desk do by hand today?

A loss comes in by phone or a forwarded email. Someone writes down what they can, misses two questions, and calls back. After the inspection, the adjuster has forty photos on a phone and a page of notes, and the report gets written at 9 pm or not at all. The proof of loss needs a cover letter. The carrier's estimate comes back light and someone has to go line by line to find what got zeroed out. And underneath all of it, the clocks: the proof of loss due date, the suit period, the carrier's response window, each one different by state and by policy.

None of that is hard. It's repetitive, and it competes with the phone. The skills below take the repetitive part. You still read every letter before it goes out, and you still decide what the claim is worth. What changes is how long it takes to get to that decision.

What does the free Claims Desk Field Kit do instead?

The Claims Desk Field Kit is five skills, free, for adjusters who work claims out of email, a camera roll, and a notes app. It works from whatever you paste. It writes to nothing. Here's one worked example per skill.

First notice checklist

A homeowner calls about a roof leak after a hailstorm. You paste what you wrote down: name, address, "leak in the back bedroom, storm was Tuesday." The skill asks its questions in order. Date of loss, confirmed? Carrier and policy number? Has the carrier been notified, and how? Any temporary repairs, and who did them? Photos yet? Mortgage on the property? You answer what you can and say "don't know" to the rest. It hands back a summary block you drop into the file, with the open questions listed at the bottom so the callback is a two-minute call instead of a second intake.

Inspection narrative

You get back from the Garcia house with field notes and a photo list: "IMG_4412 living room ceiling stain, IMG_4413 same closer, IMG_4420 attic decking, moisture 28% north wall." You paste both. The skill writes a dated inspection note, room by room, with a caption per photo in the order you took them, and the moisture readings placed where they belong. Then it lists what you didn't capture: no photo of the roof penetration, no reading from the south wall, no shot of the exterior elevation. That list goes in your pocket for the reinspection.

Carrier letter

The carrier's estimate left out drying days and the contents pack-out. You ask for a supplement request. The skill asks who's signing first, because it drafts only under a licensed public adjuster, the policyholder, or a contractor for their own scope. It asks for your firm name, your license number, and your license state once, then uses them on every letter after. You paste the policy's loss settlement condition and the two line items with amounts. It drafts the letter citing only the policy language you pasted, with a placeholder wherever it lacks a figure, and hands back a list of what to check before it goes out. It won't draft an appraisal demand or a reservation-of-rights response. Those belong with your attorney, and it says so.

Deadline research

"What's the deadline in Texas for a proof of loss?" The skill won't answer from memory. It asks for the loss date, the policy type, and the proof of loss condition pasted from the policy. Then, if your AI app can search the web, it looks up the current statute and the insurance department rules, cites each source with its date, and gives you candidate deadlines shaped like this: the rule in plain words, what starts the clock, the likely date, the source, and "confirm before relying on it." If your app can't search, it says so and tells you which part of the code to read. A number without a citation is not an answer here, on purpose.

Settlement counter

You paste the carrier's estimate for a kitchen water loss. The skill reads it and lists what's worth questioning: cabinet line shows detach and reset where the lowers were soaked and should be replace, drywall quantity covers two walls when the inspection note says three, no overhead and profit on a job with four trades, three drying days on equipment logs that show six, and no line for the code-required GFCI. For each one it says why it's questionable and what evidence backs the challenge. Then it drafts the counter for you to price and review. It doesn't tell you what the claim is worth. That's your call.

What does the Claims Desk pack add with AdjustCRM?

The Claims Desk pack is the paid version from the same author, and it does what the field kit can't: it reads and writes your real claims. It works through your own AdjustCRM connection in your AI app, so the skills stay plain text and the work lands in your system of record. Six skills.

• New claim intake turns the forwarded carrier email, the voicemail transcript, or the pile of notes into a set-up claim: the record, the policyholder, the people involved, an intake note, and the right opening stage.
• Deadline triage reads every deadline across your book on Monday, buckets them by urgency, researches the statutory clock for open claims with no date on file, and turns the top items into follow-up tasks.
• Claim desk review deep-reads one claim before a carrier call, reports where it stands and what's missing, and writes the next-action plan back as a note.
• Policyholder update drafts a plain-language status update from the real state of the claim, and sends it or a portal invite only if you've turned outward actions on for that assistant.
• Inspection logger captions and tags every photo by room, damage type, and before or after, logs the inspection note, and moves the claim forward.
• Weekly book review reads the whole book, shows where the money and the risk sit, flags every claim that has gone quiet, and builds the week as real tasks on real claims.

Outward actions, meaning messages to policyholders, portal invites, and e-signature requests, are off by default. You turn them on per assistant in AdjustCRM. The skills can't touch billing, can't manage your team, and can't see anything outside your own team. That isolation is enforced by the database, not by the prompt.

Is this legal advice?

No. These skills help you organize and draft faster. They are not legal advice, and AI can be wrong. Verify every statutory deadline against current law for your state, and read every letter and document before it leaves your desk. You're responsible for what goes out under your name, and for what your assistant does on your behalf. That's why the letters refuse to draft for anyone unlicensed, why the deadline skill won't state a number it can't cite, and why outward actions in the paid pack start switched off.

Does it work in Claude? In Cursor?

Both. Claim the pack, then follow one link from the connect page. It opens your AI app's add-connector dialog with everything filled in, you sign in with an email code, and the skills are there from the next chat. On Claude Team plans a workspace Owner adds it once, then each adjuster connects. Step by step: add skills to Claude or add skills to Cursor. Add it on the web and it works on your phone, which is where most of the first-notice calls happen.

Where to start

Get the Claims Desk Field Kit free, connect it, and run your next intake through it. If you're on AdjustCRM, the Claims Desk pack takes the same work all the way into your claims. Other free packs are on the free page, and every pack on the marketplace connects the same way.