A first notice of loss (FNOL), also known as a first notification of loss, is how homeowners start the claims process with a home insurance company. Filing an FNOL officially notifies your insurer that you’ve experienced a loss covered by your home insurance policy.
Don’t be surprised if you’ve never heard the term “first notice of loss” before, even if you’ve filed a claim in the past. Merely contacting your insurer after an event damages your home can be considered your FNOL. Still, understanding what a first notice of loss is and how it works is key to getting on the road to recovery as quickly as possible.
When do homeowners file an FNOL?
You should submit a first notice of loss as soon as possible after experiencing a loss covered by your home insurance policy. Doing so officially begins the insurance claims process. Submitting an FNOL quickly helps ensure the claim is processed as soon as possible, and your policy may limit the time you have to file your FNOL.
How a first notice of loss works
Once you’ve decided to file a claim, contact your insurance company to let them know what happened and begin the claims process.
Most home insurance companies accept FNOLs over the phone or through their online portal or mobile app. You can usually find details about filing claims on your insurer’s website or by calling your insurer directly.
Once you submit your FNOL, you’ll receive a claim number. Your insurance company will also assign your case to a claims adjuster who will evaluate the claim.
State laws often require insurers to respond to an FNOL within a certain amount of time. You can find this information on your state’s Department of Insurance website, or you can ask your insurance company for details.
When is an FNOL required?
An FNOL is required any time you experience a covered loss and want to file an insurance claim to help cover the cost of repairs or replacements. For example, you likely need to submit an FNOL if you want to file a claim after:
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Storm damage to your home
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Theft of your personal property
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Vandalism to your home
Ask your insurance company for more details if you’re unsure whether a first notice of loss is required.
What is required for an FNOL?
The FNOL process varies by insurer, but you’ll usually need to provide the following information.
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Policy information, such as your name, address, phone number, and policy number. Insurers can often locate your policy even if you don’t have your policy number handy.
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Information about the loss, such as the date, time, and location of the incident, as well as a description of the damage.
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Supporting documentation, including any photos or video cataloging the damage.
Your insurance carrier may follow up with questions or requests for additional information after you submit your FNOL. Be sure to respond to any phone calls or emails and answer any questions as quickly as possible to avoid delaying your claim.
What’s the difference between proof of loss and loss notice?
A loss notice simply lets your insurer know that you’ve experienced a loss and are filing a claim. A proof of loss is a legal document that provides detailed information about the damages you’ve incurred and the financial loss they represent.
A proof of loss document includes evidence to prove the financial impact and may need to be notarized, depending on the type of claim. This document is often required for home insurance losses as well as those filed under auto, business, and life insurance policies.