Report Claim: Difference between revisions

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|number = 1
|number = 1
|title = 1. Access Policy Record
|title = 1. Access Policy Record
|content =  
|content =
* Log in to the Equinox platform and locate the policy associated with the loss event.
{{Box task
* Open the policy record to verify the coverage details and ensure the policy is active.
|image  = Img-proc-change-billing.png
|size    = 200px
|alt    = An image showing the "Policy Changes" widget along the right side of the page.
|caption = Use the "Policy Changes" menu along the right side of the page.
|text    = <big>'''Open the [[Policy Record]] to start'''</big>
To quickly navigate to the Policyholder section:
* Find the '''Policy Actions''' block on the right
* Choose '''Policy Changes'''
* From the next menu, click the '''Billing Instructions''' option
Otherwise, scroll down to the Policyholder section manually.
}}
<!-- END OF COLLAPSIBLE SECTION -->
}}
}}
{{collapsible-section
{{collapsible-section
|number = 2
|number = 2
|title = 2. Initiate FNOL
|title = 2. Edit
|content =  
|content =  
* Navigate to the "Claims" section and select "Submit FNOL."
<big>Use the '''Edit button''' (pencil icon) below the Primary Insured contact details.</big><br>
* Enter the required details about the loss event, including:
{{Img-proc-free
   * Date and type of loss
|style  = padding-top: 1em
  * Policyholder contact information
|file    = Img-proc-change-billing-edit.png
  * Description of the loss
|size    = 500px
|caption = Use the Edit button (pencil icon) below the Primary Insured contact details to change the Renewal Billing Instructions field.
}}
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
|number = 21
|title = Renewal Billing Instructions: Other
|content =
{{Box task
|image   = Img-proc-change-billing-other.png
|size    = 300px
|alt    = An image showing the options in the Policyholder section.
|caption = After selecting the Other button, add contact information into the additional fields.
|text    =
If the Renewal Notice should go to another entity, such as a property management company, then choose the "Other" option.
* Select "Individual" or "Business"
* Enter the contact details in the fields below.
* 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
{{collapsible-section
|number = 3
|number = 3
|title = 3. Review and Submit
|title = 3. Choose Effective Date
|content =  
|content =  
* Review the entered information for accuracy and completeness.
{{Box task
* Submit the FNOL through the Equinox platform to initiate the claims process.
|image  = Img-proc-effective-date-dropdown.png
|size    = 120px
|alt    = An image of a date being selected
|caption = Choose the correct effective date for the policy change
|text    =
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 Periods|Waiting Period]].
'''''The Policy Change cannot be completed without choosing an effective date.'''''
}}
<!-- END OF COLLAPSIBLE SECTION -->
}}
{{collapsible-section
|number = 4
|title = 4. Review and Submit
|content = Review the changes for accuracy and completeness before finalizing.<br>
Once the effective date is entered, click the Issue button.
* The "Abort" button will exit without saving any details.
{{Img-proc-free
|style  = padding-top: 1em
|file    = Img-proc-effective-date-buttons.png
|caption = Click the Issue button to finish the policy change.
}}
{{clear}}
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.<br>
'''If the lender or insured needs an immediate copy, then one can be downloaded and emailed.'''
<!-- END OF COLLAPSIBLE SECTION -->
}}
}}


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{{nfip}}
{{nfip}}
[[Category:NFIP Claims]]
[[Category:NFIP Claims]]

Revision as of 15:56, 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. Access Policy Record

An image showing the "Policy Changes" widget along the right side of the page.
Use the "Policy Changes" menu along the right side of the page.
Open the Policy Record to start

To quickly navigate to the Policyholder section:

  • Find the Policy Actions block on the right
  • Choose Policy Changes
  • From the next menu, click the Billing Instructions option
Otherwise, scroll down to the Policyholder section manually.

2. Edit

Use the Edit button (pencil icon) below the Primary Insured contact details.
Use the Edit button (pencil icon) below the Primary Insured contact details to change the Renewal Billing Instructions field.

This will open the Renewal Billing Instructions fields for editing.

An image showing the options in the Policyholder section.
Make the appropriate selections to the Renewal Billing Instructions as needed.
Section 1: Is the Policy Force Placed by the Lender?

If the lender (mortgagee) required the NFIP policy as a condition to a loan, then select the "Yes" radio button.

Section 2: Renewal Billing Instructions
Choose the radio button to make changes to the payor.

Once all details are entered, click the "Save" button (move to Step 3 below).
Renewal Billing Instructions: Other
An image showing the options in the Policyholder section.
After selecting the Other button, add contact information into the additional fields.
If the Renewal Notice should go to another entity, such as a property management company, then choose the "Other" option.
  • Select "Individual" or "Business"
  • Enter the contact details in the fields below.
  • All starred fields are required.
Click the "Save" button after all details are entered and move to Step 3 below.

3. Choose Effective Date

An image of a date being selected
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.
Click the Issue button to finish the policy change.

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.

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