insurance-claims-orchestrator

insurance-claims-orchestrator

Use this skill when an agent needs to initiate an insurance claim intake on behalf of a policyholder using two sequential CALL-E calls, where the structured result of Call 1 directly gates and informs Call 2.

This skill does not approve or deny claims, quote settlement amounts, or make commitments on behalf of the insurer. It gathers structured evidence and routes to a human adjuster.

When To Use

• Initiate an insurance claim on behalf of a policyholder who has consented to automated contact
• Run a structured two-call sequence where results of Call 1 gate Call 2
• Return machine-readable claim intake data to a downstream adjuster or CRM system
• Demonstrate the state-passing multi-call pattern for other builders to copy

When Not To Use

• Do not use to approve or deny claims
• Do not use to collect payment, SSN, or banking information
• Do not use when the policyholder has not explicitly consented to automated contact
• Do not use outside 8:00 AM to 9:00 PM recipient local time
• Do not use for collections, marketing, or unsolicited outreach

Required Inputs

• phone: E.164 phone number of the policyholder, explicitly authorized
• insurer_name: display name disclosed on the call
• consent: must be true

Optional (live mode only):

• CALLE_API_KEY: environment variable, required only for --live execution

Calls

Call 1 — Loss Report

Contacts the policyholder to collect:

• Incident description (claimant's own words)
• Incident date (ISO 8601)
• Estimated damage in dollars (or null if declined)
• Policy number confirmation

Exit gates — Call 2 is blocked if:

• outcome is anything other than "completed"
• policy_number_confirmed is null
• Both incident_description AND incident_date are null

Any blocked gate routes to human review, not Call 2.

Call 2 — Coverage Verification

Uses Call 1 results to confirm:

• Policy number (read back by claimant)
• Policy active status
• Coverage type applicability
• Prior claims in the last 12 months
• Adjuster follow-up timeline