Reservation of Rights Review

Reservation of Rights Review is a skill for Claude Code, Codex from zgbrenner/agentcounsel. It costs 31 tokens per session (1,566 once invoked), scanned A, original, MIT.

A source-cited review of a reservation-of-rights letter, which tells an insured that an insurer may later dispute some coverage while investigating or defending a claim. It cross-references the letter's statements and policy provisions for an attorney.

In plain words
What is it for?
It helps organize and review reservation-of-rights and related coverage correspondence before a response or legal evaluation.
Why use it?
It makes reserved rights, cited terms, information requests, unclear wording, and missing details easier to check.

Skill for Claude CodeCodex

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

Good fit It helps organize and review reservation-of-rights and related coverage correspondence before a response or legal evaluation.

Compare 6 skills from other repositories ↓
Install with agentmods
npx agentmods add skills/zgbrenner/agentcounsel/reservation-of-rights-review
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 reservation-of-rights-review
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 Reservation of Rights Review

README.md
[![agentmods](https://agentmods.dev/badge/skills/zgbrenner/agentcounsel/reservation-of-rights-review/github.svg)](https://agentmods.dev/skills/zgbrenner/agentcounsel/reservation-of-rights-review)
Your own site
<a href="https://agentmods.dev/skills/zgbrenner/agentcounsel/reservation-of-rights-review"><img src="https://agentmods.dev/badge/skills/zgbrenner/agentcounsel/reservation-of-rights-review/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 Reservation of Rights Review

Your own site · 80×15
<a href="https://agentmods.dev/skills/zgbrenner/agentcounsel/reservation-of-rights-review"><img src="https://agentmods.dev/badge/skills/zgbrenner/agentcounsel/reservation-of-rights-review.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 31 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 1,566 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 $0.00031 $0.01566
Opus 5 $0.00015 $0.00783
Sonnet 5 $0.00006 $0.00313
Haiku 4.5 $0.00003 $0.00157

Measured 9d ago against content hash 12eea1399204, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-12, from the pricing page.

Security

Grade A, and why

Reservation of Rights Review 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/reservation-of-rights-review/SKILL.md · 106 lines

How it starts

The opening of the file, as written. The whole thing — 106 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Reservation of Rights Review

Purpose

Review a reservation of rights (ROR) letter or related coverage correspondence into a source-cited issue list and a provision-reference table, so a qualified attorney can evaluate what the letter says, what it relies on, and what is unclear. This skill organizes and cross-references the letter against the policy; it reaches no conclusion on whether the reservation is legally sufficient or effective.

Use When

  • A reservation of rights letter or coverage-position letter must be reviewed and organized for an attorney.
  • An insured or insurer needs the letter's reserved rights, cited provisions, and information requests mapped against the policy.
  • Coverage correspondence must be checked for clarity, consistency, and completeness before a response.

Required Inputs

  • The reservation of rights letter or coverage correspondence, with source references to paragraphs or sections.
  • The policy or a completed insurance-policy-summary, with source references — so cited provisions can be cross-referenced.
  • The policy type — or not provided.
  • The user's role (insurer, insured, additional insured, defense counsel, coverage counsel, or other) — or not provided.
  • The claim or matter the letter addresses — or not provided.
  • Any dates in the letter, echoed and marked [deadline verification required].
  • Jurisdiction and governing law, or [verify jurisdiction].

If the letter, the policy, or the user's 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 the reservation is legally sufficient, effective, timely, or properly preserves any right.
  • The request is to decide whether independent or "Cumis"-type counsel is required, or whether a conflict of interest exists.
  • The request is to conclude on coverage or a duty to defend, or to draft a final ROR or denial.
  • The request is for legal advice.

Also out of scope (this skill does not): conclude that a reservation is legally sufficient, effective, or timely; determine whether rights were adequately reserved or waived; decide whether independent counsel is required; conclude on coverage, a duty to defend, or a conflict of interest; draft a final ROR or denial; or constitute legal advice.

Read the full file on GitHub · 106 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 · 106 lines · 31 tokens per session scan A 12eea1399204

Subscribe to this mod's changes

Reservation of Rights Review is a skill published in the GitHub repository zgbrenner/agentcounsel (19 stars, last pushed 1mo ago), licensed MIT. It adds 31 tokens to every session and 1,566 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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