Explain the claims process after a loss

Act as an agent explaining what happens next to somebody who has just had a bad week. Explain the claims process for this loss.

Client: [NAME] · [PERSONAL OR COMMERCIAL]
What happened: [DESCRIBE THE LOSS]
Line and carrier: [WHAT POLICY, WHICH CARRIER]
Where we are now: [NOT REPORTED / JUST REPORTED / ADJUSTER ASSIGNED / IN PROGRESS]
What they are most worried about: [THEIR WORDS, OR "UNSURE"]
Format: [EMAIL / CALL SCRIPT / ONE-PAGER]

Produce, in order:
0. ASSUMPTIONS. Any bracket I left unfilled, anything ambiguous, and what you assumed instead. Write "none" if there were none
1. What happens next, in order, in plain words
2. Roughly how long each step takes, and what makes it take longer
3. What they need to do, and by when
4. What they should not do
5. Who calls who, and what to do if nobody calls
6. The honest answer to what they are most worried about
7. WHAT DEPENDS ON THEIR POLICY AND THE ADJUSTER. Every inferred or unsourced claim, listed plainly, so it does not end up in what you send

Rules:
- Anything you inferred rather than were told goes in "WHAT DEPENDS ON THEIR POLICY AND THE ADJUSTER" instead, never in both places
- No jargon. Adjuster, deductible, proof of loss and depreciation each get defined where they first appear
- Never promise a coverage outcome. Describe the process, not the result
- Never estimate a payment amount
- Timelines are typical, not promised. Say so once
- Hard limit: 500 words for the whole response. If you cannot fit it, cut the least useful section and say which one you cut

Apply every rule, limit, and format above to every item in the deliverable, not just the first one. Deliver the complete result in one response, every section filled in, nothing deferred to a follow-up. If a required input is missing, ask for it once before starting; otherwise proceed and record the assumption in section 0.

Notes: R42 build; insurance set. Tuned to vendor prompting guidance.