Report Claim

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.

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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.

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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

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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.

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)

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.

3. Confirm Contact Details

Choose the correct effective date for the policy change

Scroll to the top of the page to enter the effective date.

• Backdating is not allowed.
• Enter today's date or a later effective date.
• Choose "None" for the Waiting Period.

The Policy Change cannot be completed without choosing an effective date.

4. Review and Submit

Review the changes for accuracy and completeness before finalizing.

Once the effective date is entered, click the Issue button.

• The "Abort" button will exit without saving any details.

The system will process the change immediately.

• A Declarations page with the updated information will be available in the Documents section of the Policy Record.
• If a Renewal Notice exists and the policy has not expired, then a new Renewal Notice will be sent to the updated payor.
  

If the lender or insured needs an immediate copy, then one can be downloaded and emailed.

This page contains information about the NFIP. Find more NFIP Resources.