| name | insurance-correspondence-summarization |
| title | Insurance Correspondence Summarization |
| description | Produces structured summaries of insurance claims correspondence including coverage letters, reservation of rights (ROR), denial letters, and claim file documents. Extracts policy details, coverage positions, claims chronology, settlement posture, and liability exposure. Use when summarizing claim files, coverage disputes, ROR letters, denial letters, or multi-document insurance correspondence threads. |
| author | CaseMark |
| author_url | https://github.com/CaseMark/skills/tree/main/skills/legal/insurance-correspondence-summarization |
| license | Apache-2.0 |
| version | 0.1.0 |
| execution_mode | open |
| jurisdiction | us |
| practice | insurance |
| language | en |
Insurance Correspondence Summarization
Synthesizes insurance claims correspondence into a structured briefing with actionable coverage and litigation intelligence. Jurisdiction: US.
Prerequisites
- Claim correspondence — coverage letters, ROR letters, denial letters, demand letters, claim notices, insurer responses
- Policy documents — if available; flag if missing
- Underlying litigation materials — if referenced (pleadings, case caption, court/docket)
Output Structure
1. Executive Overview (2–3 paragraphs)
- Claim type, status, key parties (insured, insurer, claimant, counsel)
- Urgent coverage or liability issues needing immediate attention
2. Factual Background
- Underlying incident: date, location, parties, nature of alleged injury/damage/loss
- Distinguish undisputed facts from contested allegations
3. Coverage Analysis
| Field | Details |
|---|
| Policy number(s) | |
| Coverage type(s) | |
| Policy period | |
| Limits / deductibles | |
| Insurer's position | Grant / ROR / Denial |
| Policy language cited | Quote with attribution |
| Disputes / ambiguities | |
4. Claims Chronology
| Date | Document | Sender → Recipient | Key Points |
|---|
| | | |
Include: initial notice, coverage positions, ROR letters, demands, responses, ADR/coverage litigation filings.
5. Settlement Posture
- All demands and offers (with dollar amounts)
- Conditions attached to proposals
- Status: ongoing / stalled / concluded
6. Missing Documents
List documents referenced but not provided that are needed for complete analysis.
7. Next Steps / Action Items
Flag: coverage response deadlines, investigation gaps, declaratory relief considerations, settlement authority needed.
Guidelines
- Synthesize across documents — consolidate related information into single sections; do not summarize document-by-document
