Report Claim: Difference between revisions

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{{Nav-hub Agent}}
{{eq-proc-agent}}
{{eq-proc-agent}}
This page describes the steps an agent will follow in the Equinox system to submit a First Notice of Loss (FNOL).
{{box-summary
* The FNOL is the first step in initiating a flood insurance claim.
|color = blue
* Agents will use the Equinox system to provide essential details about the loss and submit the claim for processing.
|title =
* Required documents and information must be gathered before starting this process.
|text = This procedure explains how agents can submit a '''First Notice of Loss''' (FNOL) in the Equinox platform.<br>
 
This initiates the claims process for a policyholder after a loss event.
== Steps to Submit FNOL ==
}}
# Log in to the Equinox system and navigate to the policy requiring a claim submission.
== Procedural Steps ==
## Use the search bar to locate the policy by number, address, or policyholder name.
{{collapsible-section
## Confirm that the policy is active and eligible for claims submission.
|number = 1
# Select the "Claims" tab or menu option for the policy.
|title = 1. Open New Claim
# Click the "Submit FNOL" button to start the submission process.
|content =
## If the button is not visible, ensure the policy meets the eligibility requirements.
A claim can be started '''one of two ways''' (A or B, not both), which requires access to the policy.
# Complete the FNOL form with the following details:
----
## **Policyholder Information**: Verify and update contact details as needed.
<big>'''A. Click the Report Claim button''' at the top of the '''[[Agency Workspace]]'''</big>
## **Loss Details**: Include the date of loss, cause of loss, and any preliminary damage estimates.
* The next page will prompt to search for a policy number.
## **Property Information**: Confirm the affected property address.
* Enter the policy number.
## **Supporting Documents**: Upload any required documents, such as photos or third-party reports.
* Choose the correct policy from the list.
# Review the entered information for accuracy.
{{Box task
# Submit the FNOL.
|image  = Img-proc-fnol-01-workspace.png
## A confirmation message will appear with a claim reference number.
|size    = 600px
## Note the reference number for follow-up purposes.
|alt    =
 
|caption = Find the button on the Agency Dashboard.
== Common Issues ==
|text    =
* FNOL submission errors due to missing policy details or eligibility issues.
}}
** Double-check that the policy is active and matches the date of loss criteria.
----
* Uploading large files may cause delays.
{{Box task
** Ensure document sizes do not exceed system limits.
|image  = Img-proc-fnol-01.png
 
|size    = 200px
== Additional Resources ==
|alt    =
* [[FNOL Documentation Requirements]]
|caption = Use the "Policy Actions" menu along the right side of the page and click on "Report Claim"
* [[Claims Eligibility Checklist]]
|text    = <big>'''B. Start from the [[Policy Record]]'''</big>
* [[How to Follow Up on a Submitted FNOL]]
* Find the '''Policy Actions''' block on the right
 
* Choose '''Report Claim'''
 
}}
{{draft}}
----
{{nfip}}
The '''Report Claim''' page will open with a summary of the policy term.
{{Img-proc-free
|style  = padding-top: 1em
|file    = Img-proc-fnol-02.png
|caption = The '''Report Claim''' page will open with a summary of the policy term.
}}
<!-- END OF COLLAPSIBLE SECTION -->
}}
{{collapsible-section
|number = 2
|title = 2. Gather Information
|content =
<big>'''Complete each section below.'''</big><br>
''(Click to open if they are collapsed)''
{{collapsible-details
|number = 21
|title = Claimant Information
|content =
<big>Enter or confirm the details of the person who has stated the loss occurred.</big><br>
The fields will prepopulate with the policyholder information, which must be updated.
{{Img-proc-free
|style  = padding-top: 1em
|file    = Img-proc-fnol-03.png
|size    = 500px
|caption = Confirm or update the claimants contact information.
}}
}}
{{collapsible-details
|number = 22
|title = Loss Date
|content =
Scroll down to the '''Loss Date''' section and enter the date of loss.  
* The loss cannot be a future date. The claim must have incurred damage to the subject property.
* Confirm the '''Loss Location'''.
* Confirm the property that was damaged (building, personal property, or both).
{{Img-proc-free
|style  = padding-top: 1em
|file    = Img-proc-fnol-04.png
|size    = 500px
|caption = Enter the Date of Loss and confirm the loss location, including the type of property damaged.
}}
}}
{{collapsible-details
|number = 23
|title = Cause of Loss
|content =
Scroll down to the '''Cause of Loss''' section.  
* Choose all applicable options.
* Only the fields marked with an asterisk (*) are required; all other fields are optional.
* Enter as much information in the '''Comments section''' that would be relevant to a Claims Adjuster.
{{Img-proc-free
|style  = padding-top: 1em
|file    = Img-proc-fnol-05.png
|size    = 500px
|caption = Enter the Cause of Loss. Add as much information as will be relevant to a Claims Adjuster.
}}
}}
<!-- END OF COLLAPSIBLE SECTION -->
}}
{{collapsible-section
|number = 3
|title = 3. Confirm Contact Details
|content =
{{Box task
|image  = Img-proc-fnol-06.png
|size    = 300px
|alt    =
|caption = Enter the details of the person who is to be notified after the claim has started
|text    =  
Scroll down to the '''Contact Information''' section
* The information here will auto-populate with the policyholder's contact details.
* Two options in the upper right corner allow the fields to be cleared or populated with the "Reported By" details
* This individual will be the primary contact for the Claims Adjuster when they visit the site.
Choose '''Add Third Party''' when the claim will be handled by a third party, like a public adjuster.
}}
<!-- END OF COLLAPSIBLE SECTION -->
}}
{{collapsible-section
|number = 4
|title = 4. Review and Submit
|content = Review all the information on the single page for accuracy and completeness before finalizing.<br>
Confirm the details with the claimant. This provides accuracy and assurance.
* The "'''Discard'''" button will move the user back to the [[Policy Record]] or the [[Agency Workspace]].
{{Img-proc-free
|style  = padding-top: 1em
|file    = Img-proc-fnol-07.png
|caption = Click the "Submit Information and Report Claim" button to finish reporting the claim.
}}
{{clear}}
The system will process the [[First Notice of Loss]] after the "'''Submit Information and Report Claim'''" button is clicked.
* Catastrophic events may not assign a Claims Adjuster immediately.
* If a Renewal Notice exists and the policy has not expired, then a new Renewal Notice will be sent to the updated payor.<br>
<!-- END OF COLLAPSIBLE SECTION -->
}}
{{needsedit}}
[[Category:Claims]]

Latest revision as of 17:28, 4 March 2025

This Equinox Procedure is for Agents. Find a complete list here.

This procedure explains how agents can submit a First Notice of Loss (FNOL) in the Equinox platform.
This initiates the claims process for a policyholder after a loss event.

Procedural Steps

1. Open New Claim

A claim can be started one of two ways (A or B, not both), which requires access to the policy.

A. Click the Report Claim button at the top of the Agency Workspace

  • The next page will prompt to search for a policy number.
  • Enter the policy number.
  • Choose the correct policy from the list.
Find the button on the Agency Dashboard.
Use the "Policy Actions" menu along the right side of the page and click on "Report Claim"
B. Start from the Policy Record
  • Find the Policy Actions block on the right
  • Choose Report Claim

The Report Claim page will open with a summary of the policy term.

The Report Claim page will open with a summary of the policy term.

2. Gather Information

Complete each section below.

(Click to open if they are collapsed)

Claimant Information
Enter or confirm the details of the person who has stated the loss occurred.

The fields will prepopulate with the policyholder information, which must be updated.

Confirm or update the claimants contact information.
Loss Date
Scroll down to the Loss Date section and enter the date of loss.
  • The loss cannot be a future date. The claim must have incurred damage to the subject property.
  • Confirm the Loss Location.
  • Confirm the property that was damaged (building, personal property, or both).
Enter the Date of Loss and confirm the loss location, including the type of property damaged.
Cause of Loss
Scroll down to the Cause of Loss section.
  • Choose all applicable options.
  • Only the fields marked with an asterisk (*) are required; all other fields are optional.
  • Enter as much information in the Comments section that would be relevant to a Claims Adjuster.
Enter the Cause of Loss. Add as much information as will be relevant to a Claims Adjuster.

3. Confirm Contact Details

Enter the details of the person who is to be notified after the claim has started
Scroll down to the Contact Information section
  • The information here will auto-populate with the policyholder's contact details.
  • Two options in the upper right corner allow the fields to be cleared or populated with the "Reported By" details
  • This individual will be the primary contact for the Claims Adjuster when they visit the site.
Choose Add Third Party when the claim will be handled by a third party, like a public adjuster.

4. Review and Submit

Review all the information on the single page for accuracy and completeness before finalizing.

Confirm the details with the claimant. This provides accuracy and assurance.

Click the "Submit Information and Report Claim" button to finish reporting the claim.

The system will process the First Notice of Loss after the "Submit Information and Report Claim" button is clicked.

  • Catastrophic events may not assign a Claims Adjuster immediately.
  • If a Renewal Notice exists and the policy has not expired, then a new Renewal Notice will be sent to the updated payor.

This page may need to be edited based on suggestions or concerns. Read more in the Discussion page.

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