/home/clawbot-insurance/
├── Soul.md
   # Claims adjuster personality
   ├── Heartbeat.md            # Current claim focus
   ├── System-Prompt.md  # Base instructions + compliance rules│
   ├── Memory/│   
   ├── Insurer/│  
├── profile.json             # Insurer details, lines of business│   │   
├── policy-forms/            # Policy forms by line│  
 │   ├── coverage-rules/          # Coverage determination rules│  
  │   └── vendor-network/          # Approved vendors, contractors│   │
  │   ├── Policies/│   │   ├── [POLICY-ID]/│   │   │   ├── policy-data.json     # Policy details, coverage limits│   │   │  
   ├── endorsements/        # Policy changes│   │   │   └── claim-history/       # Previous claims│   │   └── [POLICY-INDEX].json│   ││   ├── Claims/│   │   ├── [CLAIM-ID]/│   │   │   ├── metadata.json        # Claim type, date, status│   │   │   ├── intake/              # FNOL data, initial report│   │   │   ├── documents/           # All claim documents│   │   │   ├── analysis/            # Document analysis results│   │   │   ├── coverage/            # Coverage determination│   │   │   ├── reserve/             # Reserve calculations│   │   │   ├── payments/            # Payment history│   │   │   └── communications/      # All correspondence│   │   └── [ACTIVE-CLAIMS-INDEX].json│   ││   └── Knowledge/│       ├── state-regulations/       # State-specific rules│       ├── fraud-indicators/        # Known fraud patterns│       ├── medical-codes/           # ICD-10, CPT codes│       └── repair-estimates/        # Benchmark pricing│├── Skills/│   ├── claims/│   │   ├── skill.json│   │   ├── claim-intake/            # First Notice of Loss│   │   ├── document-analyzer/       # Analyze medical records, estimates│   │   ├── coverage-verifier/       # Verify policy coverage│   │   ├── fraud-detector/          # Detect potentially fraudulent claims│   │   ├── reserve-calculator/      # Calculate claim reserves│   │   ├── payment-authorizer/      # Recommend/authorize payments│   │   └── customer-communicator/   # Handle insured inquiries│   ││   ├── system-integration/│   │   ├── guidewire-connector/     # Guidewire ClaimCenter│   │   ├── duckcreek-connector/     # Duck Creek Claims│   │   ├── lexisnexis-connector/    # Fraud detection│   │   └── payment-connector/       # Payment processing│   ││   └── security/│       ├── audit-logger/│       └── encryption-handler/│├── Workflows/│   ├── claims/│   │   ├── 01-claim-intake.yaml│   │   ├── 02-document-analysis.yaml│   │   ├── 03-coverage-verification.yaml│   │   ├── 04-fraud-screening.yaml│   │   ├── 05-reserve-calculation.yaml│   │   ├── 06-payment-processing.yaml│   │   └── 07-subrogation.yaml│   ││   └── monitoring/│       ├── fraud-monitor.yaml│       ├── reserve-review.yaml│       └── regulatory-reporting.yaml│├── Logs/│   ├── system/│   ├── claims/│   └── audit/│└── Scripts/    ├── setup-insurer.sh    ├── backup-insurer.sh    └── compliance-report.sh