Draft a claim or dispute letter API

Fill a fixed claim or dispute letter from the caller-supplied facts and the scores from a validity screen. The same fields always produce the same letter. The draft is not sent and it is not a legal filing.

The Draft a claim or dispute letter operation is part of the Insurance Claims Assist API on BRAINIAC.software. Fill a fixed claim or dispute letter from the caller-supplied facts and the scores from a validity screen. The same fields always produce the same letter. The draft is not sent and it is not a legal filing. It is exposed as POST /api/v1/claims/dispute-draft and priced at $0.04 USDC on Base. Payment uses the x402 exact scheme: an unpaid call returns HTTP 402 with payment requirements; after paying the exact USDC amount, retry the same request with a payment-signature header and Idempotency-Key. No account and no API key are required. Data sources for this product: Policy documents and incident facts supplied by the caller. Limitations: Results are preliminary assistance, not legal advice or confirmation of coverage. Correspondence is a draft and is never sent automatically. validity and dispute-draft score and draft from the supplied text. They do not decide a claim. Outputs are compliance prechecks, drafts, or data lookups for human review. They are not official determinations, legal advice, identity confirmation, or certified filings. Related operations in this group include Analyze a policy and prepare claim evidence, Score claim validity against exclusions, Draft insurer correspondence. Open the group documentation for the full request schema, field notes, and response examples before integrating.

POST$0.04 USDC
/api/v1/claims/dispute-draft

Example request

curl -i -X POST "https://www.brainiac.software/api/v1/claims/dispute-draft" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "purpose": "dispute",
  "claimant": "North Pier Contracting",
  "insurer": "Harbor Mutual",
  "policy_number": "GL-2041",
  "claim_number": "CLM-100",
  "incident_date": "2026-03-02",
  "amount": 12500,
  "facts": "River flood water entered the warehouse after the storm. A forklift also struck a rack.",
  "claim_validity_score": 75,
  "risk_of_denial_percentage": 35,
  "matched_exclusions": [
    {
      "clause": "flood, surface water, or overflow of any body of water",
      "basis": "Distinctive words from this exclusion appear in the incident."
    }
  ]
}
JSON

An unpaid probe returns HTTP 402 with x402 payment requirements. After paying the exact USDC amount on Base, retry the identical request with a payment-signature header.

FAQ

  • Do I need an API key? No. Pay the listed USDC amount with x402.
  • What network? Base (eip155:8453), USDC.
  • Is this an official determination? No. Results are for human review against the cited sources.

Related APIs

Insurance Claims Assist APIFull docsHow it works