Build an insurance-grade home inventory from a folder of photos and receipts -- identifies items, pulls values from receipts, estimates replacement costs, organizes by room, and outputs the documentation an insurance claim actually requires. Update mode keeps it current after new purchases.
SkillScore73Maintained
Automatic
◆Insurance Claims pack
Last verified 8/24/2026
What it changes
Passed 15 of 21 test cases with the skill, and 11 of 21 without it.
Without skill55%
With skill73%
Checks it passed that the model alone missed
Outputs a gap list prioritized by value at risk.
Outputs a diff report showing added and updated items.
Labels the unverified replacement value strictly as ESTIMATE.
and 3 more in the full report
5 fixed11 passed either way5 still failing1 broke
Pass-rate lift
+18 pp
Tokens
+9%
Agent turns
0%
Response time
-30%
Model gemini-3.6-flashMeasured 8/24/2026v116 of 22 cases passed with skill · 21 comparable
Tokens, turns and time describe resource use, not a dollar price.
See it in action
One of 5 test cases the skill fixed. Same model, same prompt, with and without the skill.
1 of 5
Prompt
When compiling `home-inventory-summary.md`, what key sections besides room and category totals must be included in the markdown report?
What was checked, without and with the skill
Checked
Without skill
With skill
Includes a dedicated high-value items list in the summary markdown report.
Passed
Passed
Includes the overall documented versus estimated ratio in the summary report.
Missed
Passed
case-20 · gemini-3.6-flash · 8/24/2026 · answers are capped and redacted
What's inside
The instructions your model reads when the skill loads.
SKILL.md31 linessingle file
Cowork Home Inventory
Build the document everyone wishes they had after the fire, flood, or break-in: a room-by-room inventory with values and proof. Input: a folder of photos (room shots, close-ups, serial-number shots) and receipts (PDF, email exports, images). Output: a structured inventory file plus a gap list of what still needs documenting.
Workflow
Process the photos. Identify items in each image: what it is, brand/model when visible, condition, and the room (from filename, folder structure, or visual context). Read serial numbers and model plates from close-ups. Group multiple angles of the same item.
Process the receipts. Extract item, vendor, date, and price from every receipt. Match receipts to photographed items where possible -- a matched receipt upgrades an item from "estimated" to "documented."
Value the inventory. For receipt-matched items: purchase price and date. For unmatched items: estimated replacement cost (current retail for an equivalent, via web search for significant items), clearly labeled ESTIMATE. Never present an estimate as a documented value.
Build the inventory. Output home-inventory.csv (or .xlsx via the xlsx skill) -- room, item, brand/model, serial, purchase date, purchase price, replacement estimate, documentation status, photo filename(s), receipt filename -- plus home-inventory-summary.md: totals by room and category, the high-value items list, and overall documented vs. estimated ratio.
Gap list. What insurance will ask for that is missing: high-value items with no receipt (jewelry, electronics, instruments -- may need appraisals or serial-number photos), rooms with no coverage, items where only a wide shot exists. Rank by value at risk. Suggest the 20-minute photo walk that closes the worst gaps.
Rules
Documented and estimated values never blend: every line is labeled, and the summary reports both totals separately.
Never inflate. Replacement estimates use realistic current retail for equivalent items, not premium substitutes.
Serial numbers are gold: capture every legible one, and put items that should have one but don't on the gap list.
Do not catalog people, documents with financial account numbers, or anything in photos beyond the possessions themselves.
Note policy-relevant thresholds generically ("many policies sub-limit jewelry; confirm your rider") without interpreting the user's actual policy -- unless the policy document is in the folder, in which case cite its stated limits next to the relevant categories.
Keep the inventory file local and note in the summary that a copy belongs somewhere that survives the house (cloud drive, safe deposit).
Update Mode
Re-run on the same folder after adding new photos/receipts: append new items, update matched ones, preserve manual edits to the CSV, and report what changed. As a quarterly Cowork scheduled task, sweep the receipts/email-export folder and deliver the diff.
Quick Commands
"Inventory [folder]" -- full workflow
"What's undocumented?" -- step 5, the gap list
"Value check [item]" -- one replacement-cost lookup