Bad Faith Risk Triage

Bad Faith Risk Triage is a skill for Claude Code, Codex from zgbrenner/agentcounsel. It costs 38 tokens per session (1,753 once invoked), scanned A, original, MIT.

A structured review of an insurance claim file for signs of possible unfair claim handling or bad faith. Bad faith is a legal concern about whether an insurer handled a claim improperly; this review identifies issues for an attorney without deciding the outcome.

In plain words
What is it for?
It is for building a source-cited list of claim-handling risk themes, chronology gaps, communication issues, and escalation points.
Why use it?
It organizes scattered notes, letters, delays, coverage explanations, and settlement activity so potential problems and missing parts of the timeline are easier to assess.

Skill for Claude CodeCodex

Written for no agent in particular: nothing here depends on one.

Good fit It is for building a source-cited list of claim-handling risk themes, chronology gaps, communication issues, and escalation points.

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Install with agentmods
npx agentmods add skills/zgbrenner/agentcounsel/bad-faith-risk-triage
Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent
npx skills add zgbrenner/agentcounsel --skill bad-faith-risk-triage
Clone the repo
git clone --depth 1 https://github.com/zgbrenner/agentcounsel

Made for: Claude Code, Codex.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for Bad Faith Risk Triage

README.md
[![agentmods](https://agentmods.dev/badge/skills/zgbrenner/agentcounsel/bad-faith-risk-triage/github.svg)](https://agentmods.dev/skills/zgbrenner/agentcounsel/bad-faith-risk-triage)
Your own site
<a href="https://agentmods.dev/skills/zgbrenner/agentcounsel/bad-faith-risk-triage"><img src="https://agentmods.dev/badge/skills/zgbrenner/agentcounsel/bad-faith-risk-triage/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

agentmods 80×15 button for Bad Faith Risk Triage

Your own site · 80×15
<a href="https://agentmods.dev/skills/zgbrenner/agentcounsel/bad-faith-risk-triage"><img src="https://agentmods.dev/badge/skills/zgbrenner/agentcounsel/bad-faith-risk-triage.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 38 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 1,753 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
Origin original No closer match found in the catalogue.
Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

ModelPer sessionOnce invoked
Fable 5.1 $0.00038 $0.01753
Opus 5 $0.00019 $0.00877
Sonnet 5 $0.00008 $0.00351
Haiku 4.5 $0.00004 $0.00175

Measured 9d ago against content hash 1de530a1b84f, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-12, from the pricing page.

Security

Grade A, and why

Bad Faith Risk Triage scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 9d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

skills/insurance/bad-faith-risk-triage/SKILL.md · 117 lines

How it starts

The opening of the file, as written. The whole thing — 117 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Bad Faith Risk Triage

Purpose

Issue-spot potential claim-handling and bad-faith risk themes from claim file materials — investigation timeline, communications, delays, coverage explanations, information requests, settlement demands, defense handling, conflicts, documentation, and escalation — into a source-cited risk-theme list for attorney review. This skill surfaces themes a coverage or bad-faith attorney must evaluate; it concludes nothing about whether bad faith occurred.

Use When

  • A claim file must be triaged for potential claim-handling and bad-faith risk themes before attorney review.
  • Counsel needs the file's risk themes, chronology gaps, and communication issues organized and sourced.
  • An insurer or insured wants potential exposure themes surfaced for a bad-faith or claim-handling assessment.

Required Inputs

  • The claim file materials — adjuster or examiner notes, claim correspondence, coverage letters (reservation of rights, denials), settlement demands and offers, defense-counsel materials, and the claim diary, with source references.
  • The policy or a completed insurance-policy-summary, and any completed claims-chronology-builder, with source references.
  • The policy type — or not provided.
  • The user's role (insurer-side, insured-side, claimant-side, counsel, or other) — or not provided.
  • The claim type and the claim stage — or not provided.
  • Any dates in the file, echoed and marked [deadline verification required].
  • Jurisdiction and governing law, or [verify jurisdiction] — bad-faith and claim-handling standards are jurisdiction-specific.

If the claim file, the policy type, or the role is missing, record it as not provided and return the missing-information list first.

Do Not Use When

  • The request is to conclude whether bad faith occurred or did not occur.
  • The request is to decide whether claim handling was reasonable, in good faith, or compliant with any claim-handling standard or statute.
  • The request is to assess extracontractual or punitive exposure, damages, or settlement value.
  • The request is for legal advice or a litigation prediction.

Read the full file on GitHub · 117 lines

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

  1. 9d ago First seen · 117 lines · 38 tokens per session scan A 1de530a1b84f

Subscribe to this mod's changes

Bad Faith Risk Triage is a skill published in the GitHub repository zgbrenner/agentcounsel (19 stars, last pushed 1mo ago), licensed MIT. It adds 38 tokens to every session and 1,753 once invoked, about $0.0002 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-03.

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