Document a home or auto claim so you're not underpaid

AI turns your photos and receipts into an itemized contents list with replacement costs and drafts a rebuttal to a lowball adjuster estimate.

Realistic savingsIllustrative: a complete contents inventory and policy-based rebuttal can add hundreds to thousands to a property settlement.

DifficultyMedium

Time3-8 h

Real-world reports

We haven't yet found a well-documented AI-specific case for this recipe; the savings range above is illustrative. Send us yours.

Tools

ChatGPT, Claude, Gemini or Grok (free tiers work; paid ~$20/mo helps with long files)
Photos/video
Policy

Steps

Photograph everything before cleanup; keep damaged items if safe.
Upload photos room by room; ask AI for an itemized inventory with replacement-cost estimates (verify each).
Compare adjuster estimate line by line; ask for missing items.
Request the policy and adjuster's estimate in writing; escalate to state insurance department if stuck.

Copy-paste prompt

Compare the adjuster's estimate [PASTE] to my inventory [PASTE] and policy [PASTE]. List missing items, undervalued lines, and policy provisions supporting a higher payment. Draft a polite rebuttal letter.

What to verify

Verify every price with real listings. Never inflate a claim; that's fraud.

Legal & ethical notes

Public adjusters charge a percentage; consider for large losses.

Official sources

NAIC filing a claim

Educational only; not legal, tax, medical or financial advice. Laws and prices change; check official sources.

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