[Hidden-tech] Great Use of LLMs for Insurance Policy Scrutiny; Many Hopeful Implications

Fri Mar 21 15:17:40 UTC 2025

Hi All,

Amica and I finally resolved the home office insurance matter. Upshot: A $20/mo rider covers the home fully, but if I hadn't inquired doggedly and pointed out the evasions in Amica's several replies along the way, the actual coverage would be reduced and possibly 100% void.

Since Amica is one of if not the best-reviewed insurance companies out there, you should probably expect your coverage to also be compromised by serpentine contract language. Apt use of an LLM can resolve this. How best to use an LLM for this (or anything) entails no small learning curve. I could help with that, though my firm has no set package for such help in a case like this (does for search marketing). If interested, email me off list. 

Optional read: My Final Email

OK, thank you. Unless you email back otherwise, I assume the clear implication of "There are no exclusions on your current home policy that relates to your business in the home with this endorsement" is that, for example, a fire destroying the entire home would result in compensation identical to a situation where there was no home office. So unless or until you email to the contrary of that implication, this matter is resolved at last. 

For the record, all of our preceding communications also make clear that if I had not inquired and ultimately added the "Permitted Incidental Occupancies - Residence Premises endorsement," then the home office would indeed have constituted an exclusion that would reduce compensation for a fire (for example), that this reduction would likely have been in proportion to the percentage square footage used by the business, but that this reduction may have been 100%. The relevant clauses I pointed to in my prior inquiries support this conclusion. In short, I'm glad I asked!

Best Regards,

Rob Laporte

CEO  |  R&D Manager

DISC - Making Websites Make Money
mailto:Rob at 2disc.com, 413-584-6500

https://www.2disc.com

NOTE: Emails can be blocked by spam filters throughout the web. If you don’t get a reply within an expected span of time, please call.

---- On Thu, 13 Mar 2025 12:57:29 -0400 Rob Laporte <rob at 2disc.com> wrote ---

Hi All,

I finally got an email from Amica regarding serpentine legalese on home office coverage. The email provided no clarity. In essence it said, yes, the home is fully covered unless any exclusions apply--and obviously it's precisely those exclusions that are in question. They sent the letter via a secure email system they never used prior, one not connected with my client portal. That system shows me no history, only their emails which vanish after 2 weeks, so I video recorded my sending the reply and also posted the reply as a PDF in my portal's document section. Oh what a tangled web insurance companies weave!

Best Regards,

Rob Laporte

CEO  |  R&D Manager

DISC - Making Websites Make Money
mailto:Rob at 2disc.com, 413-584-6500

https://www.2disc.com

NOTE: Emails can be blocked by spam filters throughout the web. If you don’t get a reply within an expected span of time, please call.

---- On Fri, 28 Feb 2025 09:31:06 -0500 Rob Laporte via Hidden-discuss <mailto:hidden-discuss at lists.hidden-tech.net> wrote ---

Hi All,

My nice Amica rep has been proactively apprising me that their underwriting (and probably legal) department is still working on the matter. She re-asked relevant questions regarding my now all remote workers (none in home office) and rare clients here. Those answers are irrelevant to the problematic new generic language of the contract. She said I'll get clarity within a week or so. Fact is, any answer to the legal language problem risks admitting the problem in the first place. We'll see.

Two days ago I discovered in my errant spam folder an email from Fungai Tichawangana of https://ArtistDynamix.com asking about using this case in a post (on his https://Inc413.com?), to which I replied, yes for sure. I suggest others here run their insurance contracts/policies through an LLM, asking for risks. Sharing results here, beyond helping Fungai's prospective article, will show whether other insurance companies are likewise reducing their risks of payouts. 

BTW, this use of LLMs is an example of emergent business opportunities. Any law firms or insurance specialists could add such legal language critiques to their offerings. Domain pros are needed to vet LLM answers (at least for the next 3-5 years until AI/LLM may exceed all pros' value). A local association guiding LLM use per profession and populated by peer firms could offer a badge of this association that assures clients and prospects that the participating firms are using AI/LLMs to deliver more excellence than average in the nation. That's the idea in my rather back-burnered ALI (Agency LLM Innitiative) and https://www.2disc.com/services/sali/ (Simple Accelerated LLM Integrations). It's a model that various business associations could advance to gain membership and pull in national revenue to a local area.

Best Regards,

Rob Laporte

CEO  |  R&D Manager

DISC - Making Websites Make Money
mailto:Rob at 2disc.com, 413-584-6500

https://www.2disc.com

NOTE: Emails can be blocked by spam filters throughout the web. If you don’t get a reply within an expected span of time, please call.

---- On Thu, 06 Feb 2025 12:16:59 -0500 Rich at tnr via Hidden-discuss <mailto:hidden-discuss at lists.hidden-tech.net> wrote ---

Rob, thanks for the ongoing saga - gives one ideas of issues to
      review, and some ways of doing it.

 esp with insurance issues related to LA files and who knows what
      Musk is doing in DC except there is LLM in the discussion.

 Keep the explorations up - Cheers - Rich

On 2/6/2025 11:24 AM, Rob Laporte via
      Hidden-discuss wrote:

Hi All,

 Quick update. Nice rep said home is covered despite the home
          office. What she didn't say is what, apparently, the contract
          states: the coverage is reduced in proportion to the percent
          of home used for business. I used an LLM to unpack the
          legalese, which is full of serpentine references to other
          clauses, and uses language likely to decieve one into
          believing that only home day care work impacts coverage. I had
          ChatGPT write a letter asking for written clarification--forget friendly talk. Meanwhile, Amica
          auto-sent texts thanking me for my approvals, and I did not
          approve it yet, which I explained via Amica's communication
          systems, so there's a clear record. They also charged my bank
          despite my turning on auto-pay only for the car insurance, and
          there too I posted a memo indicating I did not intend this
          payment, again to produce a clear paper trail. 

I'll let you know the final outcome of this saga. I imagine
          similar moves are happening at other insurance companies. 

-- 
Rich Roth
CEO TnR Global

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