AI prompt to manage a surge of storm claims
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 manage a surge of storm claims, a detailed version that asks you clarifying questions first, and 3 specialized AI tools (Sonant, Smith.ai and Liberate) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.
The prompt
Create a plan for a small agency handling a surge of claims after a storm: triage list, client message template, call scripts, and daily status updates.
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: Create a plan for a small agency handling a surge of claims after a storm: triage list, client message template, call scripts, and daily status updates.
What a good result looks like
A good surge plan helps a small team stay organized: a triage list (safety issues first, then uninhabitable homes, then everything else), one client message template, short call scripts and a daily status update so everyone knows where things stand.
Common mistakes and watch-outs
Don't give coverage opinions in the rush, and keep claims lines for each insurer correct and visible. Track every contact; things get missed in a surge. AI receptionists (Sonant, Smith.ai) and claims tools (Liberate) can absorb volume, but set them up before storm season.
How to adapt the prompt
Scale it to your team size, add staff roles and backup plans for power or phone outages, and ask for a version for a wildfire or flood event.
Storm surge plan - [Agency Name] Triage: 1. Safety issues or injuries 2. Home unlivable 3. Major damage, home livable 4. Minor damage Client message: "We're thinking of you after the storm. Report your claim at [Carrier Claims Line], then let us know. Stay safe and take photos before cleanup." Daily update (5 p.m.): - New claims reported: [Number] - Clients still waiting for a callback: [Number] - Issues for the owner: [Notes]
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.
- Add your details. Add the details for your situation (line of business, audience, tone). Keep it de-identified; never paste client personal information.
- Run it in the right tool. Paste it into ChatGPT, Claude, Gemini or Copilot, or use Sonant, Smith.ai and Liberate as described below.
- 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: Prepare clients for storms and catastrophes.
Best AI tools for this task
Specialized tools first, ordered by fit for this task (never by payout), then any general AI assistant.
Sonant site ↗
AI receptionist for insurance agencies handling inbound calls 24/7 with AMS integrations.
Use Sonant's AI receptionist to absorb call volume.
Smith.ai site ↗
AI and live receptionists for call answering, intake and scheduling.
Add Smith.ai's AI receptionists for overflow.
Liberate site ↗
Insurance AI agents automating service, claims and sales workflows.
Use Liberate's AI agents to automate claims workflows.
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.
- Point clients to the carrier's official claims line and process.
- Safety first: tell clients to call 911 or local authorities in an emergency before calling about the claim.
- 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.
Related tasks
More: All claims prompts · All AI prompts · Customer Service & AI Receptionists tools