Negotiation Scripts

Clear guidance for this step of your claim.

How to use these scripts

Use the prepared language below to handle first calls, follow-ups, counter-offers, and escalations. Copy the text, customize specifics, and log every outreach in your Claim Journal.

Open Claim Journal

First Call Script

“Hello, I'm calling to report a [Claim Type] loss filed on [Date of Loss]. I have documentation and photos ready. I'd like to schedule an inspection. What's the next step?”

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Follow-Up Script

“I'm following up on my claim filed on [Date of Loss]. I have additional documentation and would like to discuss the next steps. When can I expect an update?”

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Lowball Offer Response

“I appreciate your offer, but based on my documentation and comparable claims, the settlement should reflect the full extent of damages totaling [Evidence]. Can we discuss revising this?”

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Counter-Offer Script

“I've reviewed your offer of $[X]. Based on my contractor's estimate of $[Y], I'm prepared to accept that amount to fairly settle this claim.”

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Policy Copy Request

“Please provide a complete copy of my policy, all endorsements, and the applicable declarations page. I'd also like a written explanation of coverage limits and exclusions.”

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Supervisor Escalation

“I'd like to speak with a supervisor about delays and unresolved issues in my claim. A higher-level review seems necessary at this point.”

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Advanced negotiation tactics

  • Anchor high and use evidence first.
  • Set polite deadlines to maintain momentum.
  • Reference state timelines and policy obligations.
  • Document every promise in writing.

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