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.

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.

2. Gather 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.

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.

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. Confirm Contact Details

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.