AI prompt to prepare a client for an adjuster visit

A claim is when clients find out what their insurance is worth, and calm, clear communication helps. AI helps agents write empathetic updates, checklists and explanations; the carrier decides coverage and settlement.

Below is a ready-to-copy prompt to prepare a client for an adjuster visit, a detailed version that asks you clarifying questions first, and tips for using it. It works in any AI assistant: ChatGPT, Claude, Gemini or Copilot.

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The prompt

Write a checklist to help a client prepare for an adjuster's inspection: photos, receipts, temporary repairs, questions to ask. Note that the carrier determines the claim. Use placeholders like [First Name] and [Policy Type]; never include real client data; the carrier makes final decisions.

Detailed version (asks clarifying questions first)

Act as an experienced assistant to a licensed insurance agent. Before answering, ask me up to 3 clarifying questions (the type of claim, where the client is in the process, and tone). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team.

Task: Write a checklist to help a client prepare for an adjuster's inspection: photos, receipts, temporary repairs, questions to ask. Note that the carrier determines the claim. Use placeholders like [First Name] and [Policy Type]; never include real client data; the carrier makes final decisions.

What a good result looks like

A good checklist helps the client feel prepared: photos and video of the damage, receipts, a list of damaged items, records of temporary repairs and a short list of questions to ask the adjuster. It reminds them that the insurer decides the claim.

Common mistakes and watch-outs

Don't tell clients to exaggerate or minimize damage, and don't say what the adjuster will approve. Remind them to keep damaged items until told otherwise and to save receipts for temporary repairs. Avoid personal details in the checklist itself.

How to adapt the prompt

Make versions for water, storm and fire claims, and a version for business clients that includes records for lost income. Grammarly can help shorten it for a text.

EXAMPLE output (placeholder data, not a real client)

Before the adjuster visits

[ ] Photos and video of all damage (before cleanup if possible)
[ ] List of damaged items with approximate age and cost
[ ] Receipts for temporary repairs (tarps, water removal)
[ ] Keep damaged items unless told you can discard them
[ ] Your claim reference: [Claim Reference]

Questions to ask:
- What happens after the inspection?
- When can I start permanent repairs?
- Who do I contact with questions?

The insurance company decides the claim. Call us at [Phone] anytime.

How to use it

Copy the prompt. Copy the short prompt above, or the detailed version if you want the AI to ask clarifying questions first.
Fill in the placeholders. Replace [First Name] and [Policy Type] with your own details. Use placeholders or de-identified details; never paste client personal information.
Run it in the right tool. Paste it into any AI assistant: ChatGPT, Claude, Gemini or Copilot.
Review before you use it. Don't promise coverage or payment; the carrier and adjuster decide. Check every fact, name and number yourself.
Take the next step. Next, see: Update a client on claim status.

Which AI tool to use

Any AI assistant

ChatGPT Claude Google Gemini Microsoft Copilot

Paste the prompt above (short or detailed) into any of these.

Before you use it

Don't promise coverage or payment; the carrier and adjuster decide.
Never paste client personal information (names, policy numbers, health or financial details) into AI tools your agency hasn't approved.
Review every AI output for accuracy and compliance before you use it.

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