# InsurePulse Late-Claim Statutory Interest Calculator

> InsurePulse Late-Claim Statutory Interest Calculator is a paid API for AI agents from insurepulse.vercel.app, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-13).

Calculates statutory interest owed by insurers for late claim payments across TX, FL, NY, AZ, GA, and CA using deterministic day-count math and state-specific rate tables

## Facts

- Endpoint: GET https://insurepulse.vercel.app/api/insure/prompt-pay
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/insurepulse-late-claim-statutory-interest-calculator-76478d78
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_c4xnSHmuVV5nqf5VReNXH

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-late-claim-statutory-interest-calculator-76478d78
```

Example prompt: My Texas homeowner insurer finally paid my $45,000 weather claim 85 days after I submitted the 542A notice — can you calculate the statutory interest and fees they owe me under Texas prompt payment law?

## When to prefer this

Use this endpoint when a policyholder or agent needs a deterministic, statute-specific calculation of statutory interest owed for a late insurance claim payment — particularly when state-specific rules matter (Texas 18%/yr with 542A weather-claim treatment, Florida property from notice date using CFO quarterly tables, NY no-fault 2%/month, AZ 10%, GA health 12%, CA health 15% with auto-penalty). Prefer this over a generic LLM answer when you need a defensible, reproducible number based on actual day-count math rather than an estimate.

## Known failure modes

- ERISA self-funded plan gate triggered — interest belongs to provider, not policyholder, returns honest denial
- Claim type not covered by specified state's prompt-pay statute — returns out-of-scope notice
- Missing required date inputs (notice date, payment date) — returns validation error
- State not supported — only TX, FL, NY, AZ, GA, CA covered; unsupported state returns error
- Clean-claim assumption not met — result includes caveat about disputed clean-claim date
- Notice requirement not satisfied (e.g. TX 542A notice not sent) — returns reduced or zero interest result

## How this service works

Late-claim interest check — insurers owe STATUTORY INTEREST when they pay late, and most policyholders never collect it. Deterministic day-count math: TX 18%/yr + fees (weather claims prime+5 w/ 542A notice), FL property from the NOTICE date (CFO quarterly table), NY no-fault 2%/month, AZ 10%, GA health 12%, CA health 15% + auto-include penalty. ERISA self-funded gate, clean-claim assumptions stated, limitations gates. Honest-no where the interest belongs to the provider. No LLM.

## Output

Returns a deterministic calculation of statutory interest owed by the insurer, including the applicable state rate (e.g. TX 18%/yr, FL CFO quarterly table, NY 2%/month, AZ 10%, GA 12%, CA 15%), exact day count, total interest dollar amount, any penalty amounts, the governing statute, and a clear eligibility determination — including an honest 'no interest owed' result where applicable (e.g. ERISA self-funded plans, provider-side interest).

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "state",
  "claim_type",
  "claim_amount",
  "claim_received_date"
 ],
 "properties": {
  "state": {
   "type": "string",
   "description": "US state code (TX|FL|NY|AZ|GA|CA computed; LA|CO flagged; NJ|WA honest-no)"
  },
  "paid_date": {
   "type": "string",
   "description": "YYYY-MM-DD paid (omit if still unpaid)"
  },
  "claim_type": {
   "type": "string",
   "description": "property | auto | health | disability | life (statutes route by line)"
  },
  "claim_amount": {
   "type": "string",
   "description": "USD claim amount from your records"
  },
  "plan_funding": {
   "type": "string",
   "description": "health: fully_insured | self_funded | government | church | unknown (ERISA gate)"
  },
  "weather_related": {
   "type": "string",
   "description": "TX property: true for hail/wind/hurricane (542A lane)"
  },
  "claim_received_date": {
   "type": "string",
   "description": "YYYY-MM-DD the insurer received the claim/notice/proof of loss"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {}
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/insurepulse-late-claim-statutory-interest-calculator-76478d78/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)