Digital FNOL Intake
Guided, line-specific first notice of loss captures structured data, photos, and documents at first report — no follow-up calls to fill gaps in the loss description.
Carrier Solution
Claims Solutions
Digital FNOL intake captures complete, structured loss data at first report. Configurable adjudication workflows, adjuster assignment, and real-time status updates keep claimants informed and cycle times down — on every line you write.
Claims Capabilities
From first notice to final payment, one connected claim file
Configurable Adjudication Workflows
Route claims by line, severity, coverage, and jurisdiction. Fast-track rules settle clean, low-severity claims automatically while complex losses follow your full review path.
Adjuster Assignment
Assignment rules match each claim to the right adjuster by specialty, licensing state, and workload — with reassignment and escalation paths when files stall.
Real-Time Status Updates
Claimants and producers see claim status, next steps, and payment progress as they happen — proactive notifications replace the "any update on my claim?" call.
TPA Integration
Third-party administrators work inside the same claim record. Assignments, notes, reserves, and payments sync both ways, so outsourced claims stay visible to your team.
Litigation & Fraud Flags
Litigation-flag reporting and fraud-signal detection surface high-risk files early, routing them to SIU or counsel before costs escalate.
How It Works
From FNOL configuration to faster resolutions in four steps
Configure intake by line of business
Set up guided FNOL scripts per product — the questions, documents, and photos each loss type requires — so every first report arrives complete.
Define adjudication and assignment rules
Map how claims route by severity, coverage, and jurisdiction, which files fast-track to payment, and how adjusters and TPAs get assigned.
Connect claims and payment systems
Sync the exchange with your claims core and payment processor via API, so reserves, notes, and indemnity payments stay in one auditable record.
Resolve claims with full visibility
Claimants track status in real time, producers stop relaying updates, and your team manages by exception — watching cycle times fall file by file.
Cycle Time & Severity
The claim experience is where policyholders decide to renew
A claim is the only moment a policyholder finds out what they actually bought. Incomplete first reports, stalled files, and silence between updates drive both severity and non-renewal. Structured intake, automated routing, and proactive status updates shorten every stage of the file — and AI-driven fraud signals route suspect claims to SIU before payments go out the door.
Explore AI & Automation- Complete, structured loss data captured at first notice
- Fast-track rules that auto-settle clean, low-severity claims
- Adjuster assignment by specialty, state license, and workload
- Diary alerts and escalations that keep files from stalling
- Cycle-time and leakage reporting by line, adjuster, and TPA
FAQ
Claims handling questions, answered
Does this replace our claims management system?
No. The exchange acts as the digital front end and coordination layer for claims — FNOL intake, status visibility, and routing — while syncing bi-directionally with your claims core. Your existing system remains the system of record for reserves, payments, and file notes.
Can we keep using our TPAs?
Yes. TPAs work inside the same claim record through their own access. Assignments, notes, reserve changes, and payments sync both ways, so outsourced files stay as visible to your team as claims handled in-house — with performance reporting by TPA.
Which claims can settle automatically?
You define the fast-track rules. Carriers typically start with clean, low-severity claims — glass, towing, small property losses — where coverage is verified, no injuries are reported, and documentation is complete. Every auto-settled claim is logged with the rule that approved it, and thresholds can be tightened at any time.
How does FNOL intake differ by line of business?
Each product gets its own guided intake script. An auto claim asks for vehicles, drivers, and scene photos; a workers’ comp claim captures employer, injury, and treatment details; a property claim collects damage documentation. Scripts follow your requirements per line and state, so first reports arrive complete.
How are fraud and litigation risks flagged?
Fraud-signal detection scores each claim against indicators like prior loss history, reporting-lag patterns, and inconsistent loss details, routing high-risk files to your SIU queue. Litigation flags track attorney involvement and demand letters, so counsel gets engaged early — before costs escalate.
Turn claims into the reason policyholders stay
Join Insurance Exchange and give claimants structured intake, fast resolutions, and real-time visibility — while your team manages by exception.