About
About this library
Free adjuster report and claim documentation templates with the reasoning included, published by the team building Professional Drafter.
What this is
41 templates covering the documents a first-party property claim actually produces — the captioned, interim and final reports, the scope and the recorded statement, the coverage position letters, the reserve and valuation worksheets, the subrogation referral, the proof of loss, the claim diary and the correspondence that keeps the insured informed — plus the insured-side set a public adjuster works with. Each one has a section-by-section guide, a free Word download with no email required, and a complete filled-in example.
The examples are the part that took the longest and the part most likely to be useful. Nearly all of them follow one fictional water loss through the file, so the report, the reserve memo, the status letter and the proof of loss can be read against the same facts. They include the hard parts — a status letter that has to explain a delay without conceding a position, and a captioned report that establishes what caused the leak but not how long it ran, and says so — because real files contain unresolved questions, and examples that tie off neatly teach the wrong habit.
How these are written
- Structure follows how a claim file is read later: report sections in the order a reviewing examiner expects them, and letters built around the claim-handling standards a file is examined against. NAIC models are described as what they are: drafting templates for state legislatures, not law in themselves.
- Where a page states a deadline, a policy condition or a regulatory expectation, it links to the primary source — the statute, the model law or regulation, or the standard policy form — rather than asking you to take our word for it.
- Worked examples describe fictional losses. No real claim, insured, carrier or adjuster is described anywhere on this site, and the figures in the examples are illustrative.
- The Word download is generated from the same definition that renders the page, so the template you download cannot drift from the guide you just read.
Relationship to Professional Drafter
This library is published by the team building Professional Drafter, a drafting tool for professional reports. We say so plainly because a resource that hides its commercial interest is worth less than one that declares it.
Templates here can be opened directly in the product, but everything on this site is free and downloadable without an account.
What this library is not
- It is not legal advice and not a coverage opinion, and it does not create any professional relationship.
- It is not state-specific. Claim handling is regulated state by state, and the policy actually issued governs the claim; a template cannot resolve either for you.
- It is not a substitute for training. These documents assume an adjuster who understands the file in front of them; a template does not make an untrained adjuster competent.
- It does not cover every line. Workers’ compensation, auto and casualty are left out on purpose, and a page for each says why, and where to go instead.
- It does not sell placement, and there is no sponsored content.