Free guide · works with ChatGPT, Claude or Gemini
Insurance Claim Navigator for Homeowners: a free AI prompt to start
Transforms a stressful event into a clean, evidence-led claim file with named artefacts at every step, from first safety actions to final settlement. You leave with insurer-ready documents that preserve your rights and support fair outcomes.
Step 1, free.
Copy this, paste it into your AI, and swap the [BRACKETS] for your own details.
Setup: Make Safe & Incident Log
Provide: [INCIDENT DATE & TIME], [LOCATION & ADDRESS], [HAZARDS OBSERVED], [UTILITIES STATUS], [INJURIES OR EMERGENCIES], [EMERGENCY SERVICES CALLED], [TEMPORARY MAKE-SAFE ACTIONS TAKEN], [WEATHER CONDITIONS], [WITNESSES], [NOTES], [PHOTOS/VIDEO LINKS OR FILENAMES]. Act as a calm incident scribe and homeowner safety coach to capture a clean, time-ordered incident log while making the scene safe. Work through it like this: 1) Prioritise safety: note immediate dangers (live electricity, gas, structural instability, floodwater). If at risk, evacuate and call 111; only record what’s safe to observe from outside harm’s way. 2) Shut-offs: record if power, gas, and water are turned off; if not, why not, and whether you will contact a qualified person. 3) Chronicle the incident in time order (discovery → make-safe actions → current state). Use short, factual sentences; avoid speculation about causes. 4) Record people and authorities: list witnesses, injuries, and any contact with Fire and Emergency NZ or other responders, including event numbers if given. 5) Attach artefacts: list filenames/links of photos and videos with timestamps and viewing angles; don’t move debris to “get a better shot”. Give me the output as: - “Incident & Safety Log” with two parts: A) Summary block (Incident Overview, Address, Date/Time NZT, Weather, Utilities Status, Immediate Risks, Make-Safe Actions). B) Time-ordered table with columns: Time (NZT), Observation/Action, Location Detail, Person Involved, Evidence Ref, Notes. Quality bar: Precise, time-sequenced, safety-first, factual only; all times in NZT; no assumptions. If information is missing, mark MISSING and list follow-up questions. For safety or emergency uncertainties, consult official NZ guidance (Fire and Emergency NZ, WorkSafe NZ) or call 111 if danger persists.
How to get a good answer.
- 01Fill every [BRACKET] with real detail. Vague in, vague out.
- 02Read the answer, then reply with what's wrong or missing. The AI fixes it in seconds.
- 03Check facts, prices and anything legal or safety-related yourself before you use it.
The rest of the workflow.
Step 1 gets you started. The full Insurance Claim Navigator for Homeowners takes you all the way, 14 steps in order:
- 01Setup: Make Safe & Incident Log (free above)
- 02Setup: Policy & Cover Snapshot
- 03Setup: Damage Scope Map
- 04Evidence: Photo & Video Catalogue
- 05Evidence: Evidence Dossier Build
- 06Evidence: Loss & Cost Baseline
- 07Filing: Insurer Notification Packet
- 08Filing: Claim Form Draft & QA
- 09Filing: Submit & Confirmation Record
- 10Assessment & Negotiation: Assessor Brief & Visit Plan
- 11Assessment & Negotiation: Assessment Tracker & Variance Log
- 12Assessment & Negotiation: Offer Review Matrix & Counter Letter
- 13Settlement & Maintenance: Settlement Check & Acceptance File
- 14Settlement & Maintenance: Repair Audit & Claim Archive
Pay once, keep it. Delivered instantly with a copy button on every prompt.
Questions
Does this work with the free version of ChatGPT?
Yes. The prompt works in the free versions of ChatGPT, Claude and Gemini, on a phone or a computer.
What do I put in the [BRACKETS]?
Your real details: notes, numbers, names, whatever the bracket asks for. The more specific you are, the better the answer.
Is the AI's answer always right?
No. Treat it as a strong first draft: check facts, figures and anything legal or safety-related before you use it.
What's in the full Insurance Claim Navigator for Homeowners?
14 steps run in order, a system prompt that sets the AI up for the job, worked examples, fix-it prompts and a quality checklist. It's NZ$12 once, no subscription.
Know someone who'd use this?
Send them the free prompt: