保险理赔指南针

安装指南

1. ClawHub CLI 从源直接安装技能的最快方式。
   npx clawhub@latest install insurance-claim-compass
2. 手动安装 将技能文件夹复制到以下位置之一
   全局模式
   ~/.openclaw/skills/
   工作区
   /skills/
   优先级：工作区 > 本地 > 内置
3. 提示词安装 将此提示词复制到 OpenClaw 即可自动安装。
   请帮我使用 Clawhub 安装 insurance-claim-compass。如果尚未安装 Clawhub，请先安装（npm i -g clawhub）。
   更倾向于下载？
   获取包含原生技能文件的ZIP压缩包。
   下载技能 (.zip)

什么是

Insurance Claim Compass 是一项离线命令行技能，用于整理承保损失发生后的各项工作，涵盖水管爆裂或盗窃，以及火灾、冰雹或事故。它可生成针对特定损失的证据和照片清单、起草当天的首次损失通知、估算实际现金价值 (ACV) 和可追回的重置成本价值 (RCV) 折旧、列出理赔关键节点，并准备应对低额报价或拒赔的回复。
这项技能使用 Python 标准库构建，可帮助创建更清晰的证据档案和书面记录，无需在线服务。它不提供法律建议：具体以保单条款为准，截止日期因地区而异。Openclaw Skills 可帮助梳理流程，但用户应向保险公司或相关主管机构核实适用要求。

应用场景

您刚遭受承保损失，需要在清理前获取针对该损失的证据清单。
理赔员即将上门，您需要了解应拍摄哪些照片以及应保留哪些物品。
您需要向保险公司发送书面通知，并留存带日期的书面记录。
您正在重建受损或被盗物品清单，并希望估算 ACV 或 RCV。
您收到低额和解报价或拒赔通知，需要有条理的申诉步骤。
您想了解常见的理赔时间线，并找出需要核实的截止日期。
您需要提醒自己保留减损费用收据、受损物品和所有权证明。

工作原理

稳定现场并处理紧急安全需求。如遇紧急情况或生命安全风险，请先联系紧急服务部门。
选择损失类型并运行 document，获取证据清单、照片拍摄清单以及最初 24 小时内的注意事项。清理前先拍摄损坏情况，并在理赔员同意放行前保留受损物品。
使用理赔类型、损失描述、日期、保单号码和金额运行 letter，起草书面首次通知。保存或发送该通知，以建立书面记录。
使用 value 根据物品类别、购买年份和价格估算物品折旧。使用 --rcv 时，查看重置价值和可能暂扣的折旧金额。
运行 timeline 查看常见理赔关键节点和时间安排指引；请核实适用于您所在地区和保单的任何截止日期。
如对报价有异议，运行 appeal 将报价与估算金额进行比较，并生成分步应对方案，例如要求提供逐项扣款明细、重新提交证据、考虑申请评估，或联系州保险部门。

配置指南

此技能使用 Python 3 和标准库，可离线运行。未指定需要单独安装的软件包。请在技能目录中运行命令，该目录中应有 scripts/claim_navigator.py。
python3 scripts/claim_navigator.py document --type water
python3 scripts/claim_navigator.py letter --type home \ --loss "burst supply pipe, kitchen" --date 2026-10-10 \ --policy HP-2026-118 --amount 3800 > claim_letter.txt python3 scripts/claim_navigator.py value --item "washing machine" \ --purchase 2019 --price 900 python3 scripts/claim_navigator.py timeline --type home
python3 scripts/claim_navigator.py appeal --reason lowball \ --offer 2100 --estimate 3800 > appeal_letter.txt 请将示例日期、保单详情、金额和损失类型替换为准确的理赔信息。使用前，请根据保单和当地要求审阅生成的信件和计算结果。Openclaw Skills 提供离线理赔准备支持，不提供法律建议。

数据架构

此技能接收命令行输入，并生成清单、计算结果、时间线指引或信件草稿。所提供的文档未说明持久化数据库或结构化导出格式；可将标准输出重定向到文本文件进行保存。
命令 主要输入 输出
document 损失类型，例如 water 或 theft 证据清单、照片拍摄清单以及最初 24 小时内的注意事项
letter 理赔类型、损失描述、日期、保单号码和金额 首次损失通知信；可重定向到文件
value 物品描述、购买年份、价格以及可选的 --rcv 物品类别、估算使用年限、ACV 以及可能暂扣的 RCV 折旧金额
timeline 理赔类型 常见关键节点以及需要核实的大致法定时限
appeal 原因、报价和估算金额 报价差额，以及包含申诉信草稿的建议应对步骤
折旧模型采用直线折旧法，并设有 10% 的残值下限：ACV = price × max(0.10, 1 − age/life)。文档所述模型中的物品类别使用年限为：电子产品（5 年）、家具（10 年）、大型家电（12 年）、小型家电（7 年）、地毯/地板（10 年）、衣物（3 年）、自行车（7 年）、电动工具（10 年）、床垫（8 年）和手机（4 年）。如果保单采用 RCV，折旧暂扣款项可能在更换物品并提交收据后追回，具体以保单条款为准。

高级特性

针对损失的证据规划：
根据所选损失类型定制清单和照片拍摄清单。
ACV 和 RCV 建模：
采用按物品类别划分的使用年限假设和 10% 残值下限；请求 RCV 时，报告可能追回的折旧差额。
生成申诉步骤：
围绕要求提供逐项说明、提交独立估价和补充证据、援引评估条款，以及向州保险部门投诉来组织应对方案。
理赔时限提示：
显示常见关键节点和时间范围，同时提醒用户核实当地要求。
离线标准库实现：
根据技能文档，可在无需在线服务或第三方 Python 软件包的情况下运行。
可组合的 CLI 工作流：
分别运行 document、letter、value、timeline 和 appeal 步骤；将生成的信件重定向到文件，以便审阅和留档。
实用证据保护措施：
强调清理前拍照、在理赔员同意放行前保留受损物品、记录所有权并保留减损费用收据。
Openclaw Skills 工作流支持：
帮助用户整理理赔准备工作，同时将承保决定交由保单条款决定，并由合格来源解释法律问题。

name: insurance-claim-compass description: "Use after any insured loss (burst pipe, theft, fire, hail, car accident, injury on your property) — builds the evidence file with a per-loss-type photo shot-list, generates the first-notice-of-loss letter, decodes ACV vs RCV depreciation math on your damaged items, shows the typical claim timeline, and drafts a denial/lowball appeal ladder (itemized-explanation demand, appraisal clause, insurance-department complaint)." version: 1.0.0
author: Denis Voronin
license: MIT
tags: [insurance, claims, home, finance, emergency]

Insurance Claim Compass

Overview

People lose real money not on coverage but on claiming: they throw away the burst pipe before the adjuster visits, forget the police report number on a theft, accept a first ACV offer without understanding depreciation, and never learn the word "appraisal". Claim payouts swing 30-50% on documentation quality alone.

This skill is the after-loss instrument (its sibling skill insurance-gap-auditor runs before loss, checking whether a scenario is even covered):

document — loss-type-specific evidence checklist + photo shot-list
first-24h do/don't list.
letter — first notice of loss, written to create a paper trail the same day.
value — ACV depreciation math on inventory items (item-class life tables) and the RCV-recoverable gap.
timeline — typical milestones and their statutory-ish bounds.
appeal — lowball/denial response ladder with generated letters.

Pure stdlib, offline. Not legal advice; deadlines vary by state/country — the tool flags where to verify.

When to Use

Any fresh loss you're about to report to an insurer
"The adjuster is coming tomorrow — what do I photograph?"
An offer arrived that feels low, or the claim was denied
Rebuilding a contents inventory from memory after fire/theft
"What's the difference between ACV and RCV on my claim?"

Don't use for: disasters with mass-casualty/life-safety issues (911/emergency services first, always), or as a substitute for reading your policy's declarations page — this structures the work; the policy governs.

How It Works — Numbered Steps
Stabilize, then build the evidence file for YOUR loss type:

python3 scripts/claim_navigator.py document --type water
python3 scripts/claim_navigator.py document --type theft

Follow the shot-list BEFORE cleaning up anything, and obey the DO-NOT list (never discard damaged items or receipts before the adjuster authorizes it — "we couldn't verify" is the #1 denial).
Notify the insurer in writing the same day:

python3 scripts/claim_navigator.py letter --type home \

--loss "burst supply pipe, kitchen" --date 2026-10-10
--policy HP-2026-118 --amount 3800 > claim_letter.txt

Value your contents honestly:

python3 scripts/claim_navigator.py value --item "washing machine" \

--purchase 2019 --price 900

python3 scripts/claim_navigator.py value --item "55in TV" \

--purchase 2021 --price 1200 --rcv

Track the clock:

python3 scripts/claim_navigator.py timeline --type home

If the offer is wrong — don't argue on the phone; climb the ladder:
python3 scripts/claim_navigator.py appeal --reason lowball \

--offer 2100 --estimate 3800 > appeal_letter.txt

Depreciation Model (what value computes)

Straight-line over item-class life, 10% salvage floor — the same shape adjusters' software uses:

Class Life (yr) Class Life (yr)
electronics 5 furniture 10
major appliance 12 small appliance 7
carpet/flooring 10 clothing 3
bicycle 7 power tools 10
mattress 8 phone 4

ACV = price × max(0.10, 1 − age/life). With an RCV policy you recover the withheld depreciation ONLY after replacing the item and sending receipts — the tool prints the recoverable gap so you know what to chase.

Common Pitfalls

Cleaning up too early. Mitigate (stop the water, dry), but keep the failed part and everything damaged until the adjuster releases them. Photograph first, always.
Phone-only notice. Oral claims vanish. Same-day written notice with policy number creates the legal clock.
Accepting the first ACV check as final when your policy is RCV — the depreciation holdback is recoverable with replacement receipts.
No proof of ownership. Bank/photo evidence beats memory. Receipts, then card statements, then photos of the item in your home.
Throwing away receipts for mitigation (drying fans, tarp, plumber) — emergency mitigation is usually reimbursable.
Skipping the itemized explanation demand. Insurers must explain line-item deductions on request; unexplained line items frequently dissolve on appeal.
Ignoring the appraisal clause. For large gaps it forces a neutral umpire valuation — cheaper than a lawyer, faster than court.
Signing a release to get a quick check if you believe the loss is larger. Ask what the release covers before signing.

Example

$ claim_navigator.py value --item "55in TV" --purchase 2021 --price 1200 --rcv 55in TV (electronics, life 5 yr), purchased 2021 → age 5 yr ACV settlement: $120.00 (100% depreciated, salvage floor 10%)
RCV replacement: $1200.00
Recoverable holdback: $1080.00 — replace, send receipts, reclaim.

$ claim_navigator.py appeal --reason lowball --offer 2100 --estimate 3800
GAP: $1700.00 (offer is 55% of your estimate)
LADDER:

1. Demand written itemization of every deduction (7-day deadline)
2. Independent contractor estimate + photos resubmitted
3. Appraisal clause (gap > $1000 recommended)
4. State DOI complaint (free, tracked, insurers respond fast) ...appeal letter drafted → stdout

Verification Checklist

Evidence photographed BEFORE cleanup; failed part retained
Written notice sent with policy number + date
Contents inventory valued with class-life math, receipts attached

Mitigation receipts kept

If disputed: itemization demand → estimate → appraisal → DOI

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