First notice of loss (FNOL) is the first report a policyholder or claimant makes to their insurer that a loss, accident or damage has occurred. FNOL starts the claims process and captures the details the insurer needs to open and route the claim.
FNOL sets the pace and cost of the entire claim. Missing information, slow intake and manual data entry create follow-up calls and delays, while a complete, structured first report lets the carrier assign, triage and settle faster.
Policy details, date, time and location of the loss, a description of what happened, photos or documents, involved parties, and contact preferences.
Ushur AI agents guide policyholders through FNOL over text, web or voice, collect photos and documents, validate the information and pass a complete claim into core systems. See FNOL automation and pending claims.