{"uid":"cap_KaTwY7H0RkbC4NP6XkdeB","slug":"insurepulse-prompt-pay-demand-letter-generator-bad10ebb","name":"InsurePulse Prompt-Pay Demand Letter Generator","description":"Citation-locked late-claim interest demand letter — the deterministic check plus a demand built on the lane's own day-count math table (TX 18%/prime+5, FL CFO quarterly factors from the notice date, NY no-fault 2%/month, AZ 10%, GA 12%, CA 15% + auto-include penalty). TX weather letters satisfy the §542A.003 pre-suit notice, element by element. Verbatim statutory quotes; the escalation is a free DOI complaint. Honest-no on unsupportable facts.","url":"https://insurepulse.vercel.app/api/insure/prompt-pay-letter","method":"GET","headers":{},"bodySchema":{"type":"object","required":["state","claim_type","claim_amount","claim_received_date"],"properties":{"lang":{"type":"string","description":"Letter language (default English)"},"state":{"type":"string","description":"US state code (TX|FL|NY|AZ|GA|CA letter-worthy lanes)"},"claim_type":{"type":"string","description":"property | auto | health | disability | life"},"claim_amount":{"type":"string","description":"USD claim amount"},"insurer_name":{"type":"string","description":"Insurer name for the letter"},"policyholder_name":{"type":"string","description":"Your name (placeholder if omitted)"},"claim_received_date":{"type":"string","description":"YYYY-MM-DD the insurer received the claim"}}},"responseSchema":{"type":"json","example":{}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"2","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$2/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"2","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"2","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_fFEmC2E78H8oOjiQuYqZA","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"2","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Generates a citation-locked, state-specific late-claim interest demand letter with verbatim statutory quotes, day-count math, and pre-suit notice compliance for TX, FL, NY, AZ, GA, and CA.","exampleAgentPrompt":"My Texas homeowners insurer finally paid my hail damage claim after 87 days from the notice date — can you draft a §542A.003 pre-suit demand letter citing the 18% statutory interest rate with the exact day-count math so I can send it before filing a DOI complaint?","exampleUseCases":[{"title":"Texas weather claim pre-suit notice","prompt":"My insurer took 74 days to pay out my hurricane roof claim in Texas — please generate a prompt-pay demand letter that satisfies the §542A.003 pre-suit notice requirements, includes the 18% or prime+5 interest calculation from the notice date, and has verbatim statutory quotes so it's litigation-ready."},{"title":"Florida late-claim interest demand","prompt":"My Florida health insurer paid my claim 60 days late. Can you draft a formal demand letter using the current CFO quarterly interest factors from the notice date, with exact statutory language, and include the DOI complaint escalation warning if they don't respond?"},{"title":"New York no-fault 2% monthly interest letter","prompt":"My New York no-fault auto insurer missed the payment deadline by 45 days. Draft a citation-locked demand letter calculating the 2% per month statutory interest owed, with verbatim quotes from the no-fault statute, that I can send to the adjuster today."}],"resultDescription":"A fully drafted demand letter containing: verbatim statutory quotes for the applicable state's prompt-pay law, a day-count math table showing interest accrual (using TX 18%/prime+5, FL CFO quarterly factors, NY 2%/month, AZ 10%, GA 12%, or CA 15% plus penalty as applicable), total interest owed, TX §542A.003 pre-suit notice elements (for Texas weather claims), and a free DOI complaint escalation statement if the demand is ignored. Unsupportable facts are flagged as honest-no rather than fabricated.","failureModes":["Unsupported jurisdiction — only TX, FL, NY, AZ, GA, CA are supported; other states return a refusal or partial letter","Missing notice date or claim dates prevent accurate day-count interest calculation","Policy type ambiguity may cause incorrect statutory rate selection","Network or payment failure returns HTTP 402 or 5xx with no letter generated","Partial input (e.g., no insurer name) produces a letter with placeholder fields"],"whenToPreferThis":"Choose this endpoint when a policyholder needs a jurisdiction-specific, citation-locked demand letter for insurer late payment — especially when exact statutory interest math, verbatim quotes, and pre-suit notice compliance (TX §542A.003) are required. Prefer over generic legal-letter generators when working in TX, FL, NY, AZ, GA, or CA and needing state-accurate interest rate tables and DOI complaint language built in.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-13T18:33:34.890Z","isFirstParty":false}