First Notice of Loss (FNOL)
Insurance Glossary
The first report a policyholder makes to an insurer that a loss has occurred, which opens the claim and starts the process. It can be given by phone, app or website, and usually captures the date, the location and the basic circumstances of the loss. Policies require notice within a reasonable time or within a stated period, and a long delay can complicate or jeopardize the claim.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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