AI prompt to guide a client after a theft or break-in

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 guide a client after a theft or break-in, 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 for a client after a home or auto break-in: safety first, police report, list of items, photos/receipts, claims line placeholder. 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 for a client after a home or auto break-in: safety first, police report, list of items, photos/receipts, claims line placeholder. 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 puts safety first, then the police report, a list of missing items, photos and receipts, and the claims line. It's calm and orderly, because the client is likely shaken.

Common mistakes and watch-outs

Don't tell clients what will be covered or how much they'll receive; the insurer decides. Auto theft of personal items is often handled under a homeowners or renters policy rather than auto, so avoid confusing statements and check the policies. Remind them not to discard damaged items before the adjuster says so.

How to adapt the prompt

Write separate versions for a home break-in and a car break-in, and a text version you can send right after they call. Add a link to your home inventory guide.

EXAMPLE output (placeholder data, not a real client)

After a break-in

1. Make sure you're safe. Don't go inside if you think someone is still there.
2. Call the police and get a report number.
3. List what's missing or damaged.
4. Gather photos, receipts or serial numbers.
5. Secure your home or car (lock, board up, change locks).
6. Report the claim: [Carrier Claims Line].
7. Let us know: [Agency Phone].

The insurance company decides what's covered. We'll help you through the process.

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 say something is or isn't covered without reviewing the policy. Check every fact, name and number yourself.
Take the next step. Next, see: Guide a client through filing a claim.

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 say something is or isn't covered without reviewing the policy.
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.

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