Claims / First notice of loss

Every door in, one claim door through

First party, third party and workers’ comp intake forms, a guided wizard, bulk upload, and loss reports by email, voicemail, text and partner system. However a loss arrives, it passes the same server door with the same rules.

The intake route shapes what must be captured. A third-party notice is not a first-party notice with different labels: every claimant is equal, and each can become a subclaim with its own number and financials.

Take a notice with us How it works

The question this answers

Does it matter which door a loss comes through?

For what gets captured, yes — each form collects what its situation requires. For what happens next, no. Every route runs your own intake rules, mints the claim number, geocodes the loss, runs automatic assignment if you have it on, opens the first diary tasks, checks the policy book and screens every party against the US Treasury sanctions lists.

The intake doors

Forms, wizard, channels

First Party FNOL

The insured’s own loss in one screen. A claim already on file for the same policy and date of loss is blocked; a repeat name or phone only warns.

Third Party FNOL

A claimant’s loss against an insured. Add any number of claimants, each with their own loss type; a claimant marked as a subclaim gets its own number and financials.

Workers’ Comp FNOL

A full first report of injury, kept on its own workers’ comp record. Only the last four digits of a Social Security number are kept on the claim.

Guided FNOL Wizard

One question at a time, each answer deciding the next. New staff cannot skip the date of loss, and the finished intake lands in the review queue.

Email, Voicemail, Text, Partner, Bulk

Drafted into the Agentic Intake queue for a person — or, for a clean text report, opened through the standard claim path.

What happens at creation

Every route, the same steps

These run whichever door was used, which is what makes the inventory trustworthy as a single work queue.

At creation

Behavior

Claim Number

Minted by the server in your own format — prefix, year, sequence — never reused and never changed

The Insured

Every claim must name its insured; a partner notice without one is opened with the gap shown in red

Assignment

Runs if your organization has automatic assignment on; otherwise the claim waits in the queue with the reason

Coverage Check

The loss date is compared with your policy book; a mismatch raises a soft flag and a review diary, never a block

First Diary

“Initial contact with insured” due the next day

Parties

Recorded in the shared contact master and screened against the sanctions lists straight away

Where we are honest

Intake quality still matters

Good structure cannot rescue a notice taken carelessly, and we would rather say so than sell intake as a solved problem.

Wrong Facts Propagate

The coverage check and the statutory clocks both read what was reported. Corrections are recorded, not hidden.

Your Rules Shape The Forms

Required fields and validation come from your own Form Studio rules. That is setup work your organization owns.

Unmatched Policies Wait

A claim whose policy cannot be matched is not auto-assigned. It waits in the Assignment Queue for a manager, with the reason.

Every door in, one claim door through

The intake doors

Every route, the same steps

Intake quality still matters

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