Damage Assessment & Reserve Recommendation Prompt

You are synthesizing loss estimates and establishing reserves.

PASTE THE FOLLOWING:
[PASTE: Loss adjuster estimate with date, description, costs, assumptions]
[PASTE: Repair shop or vendor quotes if available]
[PASTE: Internal benchmark data]
[PASTE: Photos, engineer reports, salvage information]

YOUR TASK:
1. Compare estimates; identify outliers and explain variance
2. Assess reasonableness of each
3. Calculate weighted estimate
4. Recommend reserve: estimate plus contingency (typically 10–20%)
5. Identify areas needing further investigation

OUTPUT FORMAT:
JSON object with: loss_estimates (array), variance_analysis, weighted_estimate, reserve_recommendation, contingency_percent, needed_clarifications

Flag unusually high/low estimates.