Report Claim: Difference between revisions

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|color = blue
|color = blue
|title =
|title =
|text = 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.
|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.
}}
}}
== Procedural Steps ==
== Procedural Steps ==
{{collapsible-section
{{collapsible-section
|number = 1
|number = 1
|title = 1. Access Policy Record
|title = 1. Open New Claim
|content =
|content =
A claim can be started one of two ways, which requires access to the policy.
A claim can be started '''one of two ways''' (A or B, not both), which requires access to the policy.
----
<big>'''A. Click the Report Claim button''' at the top of the '''[[Agency Workspace]]'''</big>
* The next page will prompt to search for a policy number.
* Enter the policy number.
* Choose the correct policy from the list.
{{Box task
{{Box task
|image  = Img-proc-fnol-01-workspace.png
|image  = Img-proc-fnol-01-workspace.png
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|text    =
|text    =
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<big>1. Find the '''Report Claim''' button at the top of the Agency Workspace under the Search bar.</big>
* Enter the policy number in the search bar on the following page.
* Choose the correct policy from the list.
Or...
----
----
{{Box task
{{Box task
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|alt    =  
|alt    =  
|caption = Use the "Policy Actions" menu along the right side of the page and click on "Report Claim"
|caption = Use the "Policy Actions" menu along the right side of the page and click on "Report Claim"
|text    = <big>'''2. Open the [[Policy Record]] to start'''</big>
|text    = <big>'''B. Start from the [[Policy Record]]'''</big>
* Find the '''Policy Actions''' block on the right
* Find the '''Policy Actions''' block on the right
* Choose '''Report Claim'''
* Choose '''Report Claim'''
}}
----
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.
}}
}}
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{{collapsible-section
{{collapsible-section
|number = 2
|number = 2
|title = 2. Edit
|title = 2. Gather Information
|content =  
|content =  
<big>Use the '''Edit button''' (pencil icon) below the Primary Insured contact details.</big><br>
<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
{{Img-proc-free
|style  = padding-top: 1em
|style  = padding-top: 1em
|file    = Img-proc-change-billing-edit.png
|file    = Img-proc-fnol-04.png
|size    = 500px
|size    = 500px
|caption = Use the Edit button (pencil icon) below the Primary Insured contact details to change the Renewal Billing Instructions field.
|caption = Enter the Date of Loss and confirm the loss location, including the type of property damaged.
}}
}}
This will open the  Renewal Billing Instructions fields for editing.
{{Box task
|image  = Img-proc-change-billing-save.png
|size    = 300px
|alt    = An image showing the options in the Policyholder section.
|caption = Make the appropriate selections to the Renewal Billing Instructions as needed.
|text    =
<big>'''Section 1:''' Is the Policy Force Placed by the Lender?</big>
If the lender (mortgagee) required the NFIP policy as a condition to a loan, then select the "Yes" radio button.<br>
<big>'''Section 2:''' Renewal Billing Instructions</big><br>
Choose the radio button to make changes to the payor.<br>
'''Once all details are entered, click the "Save" button (move to Step 3 below).'''
}}
}}
{{collapsible-details
{{collapsible-details
|number = 21
|number = 23
|title = Renewal Billing Instructions: Other
|title = Cause of Loss
|content =
|content =
{{Box task
Scroll down to the '''Cause of Loss''' section.
|image   = Img-proc-change-billing-other.png  
* Choose all applicable options.
|size    = 300px
* Only the fields marked with an asterisk (*) are required; all other fields are optional.
|alt    = An image showing the options in the Policyholder section.
* Enter as much information in the '''Comments section''' that would be relevant to a Claims Adjuster.
|caption = After selecting the Other button, add contact information into the additional fields.
{{Img-proc-free
|text    =
|style   = padding-top: 1em
If the Renewal Notice should go to another entity, such as a property management company, then choose the "Other" option.
|file    = Img-proc-fnol-05.png
* Select "Individual" or "Business"
|size    = 500px
* Enter the contact details in the fields below.
|caption = Enter the Cause of Loss. Add as much information as will be relevant to a Claims Adjuster.
* All starred fields are required.
Click the "Save" button after all details are entered and move to Step 3 below.
}}
}}
}}
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{{collapsible-section
|number = 3
|number = 3
|title = 3. Choose Effective Date
|title = 3. Confirm Contact Details
|content =  
|content =  
{{Box task
{{Box task
|image  = Img-proc-effective-date-dropdown.png
|image  = Img-proc-fnol-06.png
|size    = 120px
|size    = 300px
|alt    = An image of a date being selected
|alt    =
|caption = Choose the correct effective date for the policy change
|caption = Enter the details of the person who is to be notified after the claim has started
|text    =  
|text    =  
Scroll to the top of the page to enter the effective date.
Scroll down to the '''Contact Information''' section
* Backdating is not allowed.
* The information here will auto-populate with the policyholder's contact details.
* Enter today's date or a later effective date.
* Two options in the upper right corner allow the fields to be cleared or populated with the "Reported By" details
* Choose "None" for the [[Waiting Periods|Waiting Period]].
* This individual will be the primary contact for the Claims Adjuster when they visit the site.
'''''The Policy Change cannot be completed without choosing an effective date.'''''
Choose '''Add Third Party''' when the claim will be handled by a third party, like a public adjuster.
}}
}}
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|number = 4
|number = 4
|title = 4. Review and Submit
|title = 4. Review and Submit
|content = Review the changes for accuracy and completeness before finalizing.<br>
|content = Review all the information on the single page for accuracy and completeness before finalizing.<br>
Once the effective date is entered, click the Issue button.
Confirm the details with the claimant. This provides accuracy and assurance.
* The "Abort" button will exit without saving any details.
* The "'''Discard'''" button will move the user back to the [[Policy Record]] or the [[Agency Workspace]].
{{Img-proc-free
{{Img-proc-free
|style  = padding-top: 1em
|style  = padding-top: 1em
|file    = Img-proc-effective-date-buttons.png
|file    = Img-proc-fnol-07.png
|caption = Click the Issue button to finish the policy change.
|caption = Click the "Submit Information and Report Claim" button to finish reporting the claim.
}}
}}
{{clear}}
{{clear}}
The system will process the change immediately.  
The system will process the [[First Notice of Loss]] after the "'''Submit Information and Report Claim'''" button is clicked.
* A Declarations page with the updated information will be available in the Documents section of the Policy Record.
* 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>
* If a Renewal Notice exists and the policy has not expired, then a new Renewal Notice will be sent to the updated payor.<br>
'''If the lender or insured needs an immediate copy, then one can be downloaded and emailed.'''
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}}
}}
 
{{needsedit}}
{{nfip}}
[[Category:Claims]]
[[Category:NFIP 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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