{"openapi":"3.1.0","info":{"title":"ClaimKit API","version":"0.1.0","description":"An insurance-claim filing toolkit: step-by-step filing checklists with documentation and timelines for auto, home, health, life, and travel claims, common denial/delay reasons, an appeal-process guide, an appeal-deadline date calculator, and a claims glossary — computed locally, zero upstream calls.\n\nEvery operation is read-only or compute-only. The same tools are available over MCP (streamable HTTP) at https://claimkit.connectorbay.com/mcp.","contact":{"name":"Unify Dynamics LLC","email":"hr@unifydynamics.com","url":"https://connectorbay.com/claimkit/docs"},"termsOfService":"https://connectorbay.com/claimkit/terms"},"servers":[{"url":"https://claimkit.connectorbay.com"}],"externalDocs":{"url":"https://connectorbay.com/claimkit/docs"},"security":[{},{"bearer":[]}],"components":{"securitySchemes":{"bearer":{"type":"http","scheme":"bearer","description":"Optional. A Pro API key raises rate limits; no credentials are required."}},"schemas":{"Error":{"type":"object","properties":{"ok":{"const":false},"error":{"type":"object"}}}}},"paths":{"/v1/tools/claim_filing_checklist":{"post":{"operationId":"claim_filing_checklist","summary":"Step-by-step filing checklist, documentation typically needed, and a typical stage-by-stage timeline","description":"Step-by-step filing checklist, documentation typically needed, and a typical stage-by-stage timeline\n    for one claim type. Use for \"what do I need to file an auto accident claim\", \"steps to file a home\n    damage claim\", \"how long does a life insurance claim take\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"claim_type":{"description":"auto_accident | home_property_damage | health | life | travel","title":"Claim Type","type":"string"}},"required":["claim_type"],"title":"claim_filing_checklistArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/claim_denial_reasons":{"post":{"operationId":"claim_denial_reasons","summary":"Common reasons insurance claims get denied or delayed, both generally and specific to a claim type.","description":"Common reasons insurance claims get denied or delayed, both generally and specific to a claim type.\n    Use for \"why do health insurance claims get denied\", \"common reasons home insurance claims get denied\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"claim_type":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"auto_accident | home_property_damage | health | life | travel. Omit for general reasons plus every type.","title":"Claim Type"}},"title":"claim_denial_reasonsArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/appeal_process_guide":{"post":{"operationId":"appeal_process_guide","summary":"The general insurance-claim appeal process (request the denial reason, cite policy language, submit","description":"The general insurance-claim appeal process (request the denial reason, cite policy language, submit\n    within the window, escalate if needed) plus tips specific to a claim type. Use for \"how do I appeal a\n    denied health insurance claim\", \"steps to dispute a denied auto claim\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"claim_type":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"auto_accident | home_property_damage | health | life | travel. Omit for the general process plus tips for every type.","title":"Claim Type"}},"title":"appeal_process_guideArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/appeal_deadline_estimate":{"post":{"operationId":"appeal_deadline_estimate","summary":"Estimates an appeal deadline using a TYPICAL internal-appeal window for the given claim type (e.g. the","description":"Estimates an appeal deadline using a TYPICAL internal-appeal window for the given claim type (e.g. the\n    180-day window common to US group health plan appeals) — illustrative, always defer to the actual\n    deadline in your denial letter. Use for \"my health claim was denied on 2026-06-01, when's my appeal\n    deadline\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"claim_type":{"description":"auto_accident | home_property_damage | health | life | travel","title":"Claim Type","type":"string"},"denial_date":{"description":"Date the claim was denied, ISO format YYYY-MM-DD.","title":"Denial Date","type":"string"}},"required":["claim_type","denial_date"],"title":"appeal_deadline_estimateArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/claimkit_glossary":{"post":{"operationId":"claimkit_glossary","summary":"Definitions of claims-process terms: adjuster, public adjuster, proof of loss, statute of limitations,","description":"Definitions of claims-process terms: adjuster, public adjuster, proof of loss, statute of limitations,\n    appraisal clause, EOB, denial letter, internal vs. external appeal, Property Irregularity Report, bad\n    faith claim. Use for \"what's a proof of loss\", \"what does internal appeal mean\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"term":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"A specific term to look up; omit to list all.","title":"Term"}},"title":"claimkit_glossaryArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}}}}