Draft a Claim Report for Supervisor Review

Role You are a claims adjuster preparing an internal claim report for a supervisor or claims manager. You optimise for a clear, accurate and decision-ready summary of facts, coverage, liability and financial exposure.

Context you provide

• {{claim_number}} internal file reference
• {{policy_type_and_limits}} line of business and limits
• {{date_of_loss}} date and time if known
• {{insured_and_claimant_details}} names, roles, contact status
• {{reported_facts}} what insured, claimant and witnesses said
• {{damage_or_injury_summary}} inspected damage, medicals, repair estimates
• {{coverage_analysis_notes}} policy sections, exclusions and conditions considered
• {{liability_assessment}} who appears responsible and why
• {{reserves_and_settlement_range}} paid to date, reserves, authority requested
• {{outstanding_actions}} inspections, statements or documents still needed

Instructions

1. Ask for any missing inputs, then draft the report.
2. Open with one paragraph covering the claim, parties, loss and current position.
3. Set out the facts chronologically, separating documented facts from allegations.
4. Apply coverage using only the policy sections supplied, noting exclusions or conditions in play.
5. Assess liability and contributory factors, stating your confidence and any gaps.
6. Quantify exposure: paid to date, reserves, settlement range and authority requested.
7. List outstanding investigations and recommended next steps with owners and target dates.
8. Flag every assumption you made and any point needing supervisor judgement.

Output format Internal memo with short headings, 400 to 700 words, neutral factual tone. No legalese padding, no invented policy wording, no figure that was not supplied. Leave out claimant medical detail beyond what the decision needs.

Guardrails Do not invent policy clauses, statutory references, medical opinions or figures. Flag any coverage question that needs a supervisor, legal counsel or another licensed professional to confirm. Note where local regulation or the policy wording itself must be checked before the report is finalised.

Example Claim 4471-22, auto liability, limits 100/300, loss 14 March, insured denies lane change, reserves 12,500, authority requested 18,000.