# InsurePulse Claims Guidance

> InsurePulse Claims Guidance is a paid API for AI agents from insurepulse.vercel.app, paid per call via x402, $0.08/call, status unknown (last checked 2026-09-15).

Analyzes whether to file an insurance claim based on premium-impact tradeoffs, and returns a documentation checklist plus adjuster negotiation tips

## Facts

- Endpoint: GET https://insurepulse.vercel.app/api/insure/claim
- Price: $0.08/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/insurepulse-claims-guidance-19e4bd97
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_LYRdclx9ijLWq9Lypk4W6

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability insurepulse-claims-guidance-19e4bd97
```

Example prompt: My roof had storm damage and the repair estimate is $4,200 — my deductible is $1,500 and I'm currently paying $1,800 a year in homeowners premiums. Should I file a claim, and if so what documents do I need and how should I negotiate with the adjuster?

## When to prefer this

Use this endpoint when a user needs a structured, financially-grounded decision on whether to file an insurance claim — especially when they want to understand the long-term premium cost vs. short-term payout tradeoff, rather than just generic claims information. Best for auto, home, or renters claims where deductible and premium data are available.

## Known failure modes

- Missing required claim or policy details returns an error or incomplete analysis
- Highly unusual policy types may yield generic rather than tailored advice
- Premium-impact projections are estimates and may not reflect individual insurer surcharge schedules

## How this service works

Insurance claim should-I-file decision and premium-impact analysis — whether to file given the rate hit, plus a documentation checklist and adjuster-negotiation tips. Country-aware for non-US claimants. For insurance and personal-finance agents, any country.

## Output

Returns a file-or-don't recommendation with a premium-impact analysis showing net financial outcome, a documentation checklist of evidence to gather, and specific tips for negotiating with the adjuster to maximize the settlement.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema"
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/insurepulse-claims-guidance-19e4bd97/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from insurepulse.vercel.app](https://www.zero.xyz/host/insurepulse.vercel.app/llms.txt)