Digital FNOL Claims Intake & Triage Studio

Transform First Notice of Loss with automated straight-through processing (STP) scoring, anomaly screening, initial reserve calculation, and intelligent adjuster routing.

Quick Scenarios:

Loss Information & Intake

Policy Line Claimant Type

Policy Age (Days) <30 days triggers recency risk Deductible ($)

Days Elapsed Since Loss Reporting lag metric Estimated Incurred ($)

Incident Narrative / First Notice Risk & Claim Indicators

Bodily Injury Reported Vehicle Towed / Uninhabitable Property Digital Photo / Metadata Telematics Provided Official Police / Incident Report Filed Independent Witness Available 2+ Loss Reports in Prior 12 Months

Automated Triage Assessment

Claim Ref: CLM-2026-8812

STP Auto-Approved

STP Viability Score 92% Exceeds 75% STP threshold

Recommended Track Fast-Track Direct Zero-touch auto settlement

Initial Total Reserve $3,420 Loss + ALAE reserve

Triage Decision Pipeline SLA: 4h Digital Contact

Phase 1

Intake Ingestion

Verified

Phase 2

Policy Limits

In-Force

Phase 3

SIU Fraud Gate

Low Anomaly

Phase 4

Assignment

STP Express

Fraud & Routing Rules Score: Low (10/100)

Actuarial Reserve Breakdown Statutory Reserve

Estimated Property / Collision Loss	$2,850
Bodily Injury Indemnity Reserve	$0
Allocated Loss Adjustment (ALAE)	$285
Less Applicable Deductible	-$500
Net Incurred Exposure	$2,635

Claim triage completed. Ready for downstream adjusters or STP payout.

Modernizing First Notice of Loss (FNOL)

Digital FNOL replaces slow paper questionnaires with algorithmic straight-through processing (STP). Carriers achieve instant claim registration, automated coverage verification, sub-second SIU fraud anomaly detection, and rapid reserve provisioning.

By evaluating policy recency, delay indicators, telematics verification, and injury factors immediately, 35% to 60% of low-complexity claims can settle directly through digital payment rails without manual touchpoints.

Triage Methodologies

Straight-Through Processing (STP) Thresholds

Qualifying claims have active coverage, zero bodily injuries, damage below the carrier limit (typically $3,500-$5,000), verified digital photos, and reporting within statutory notification windows.

Special Investigation Unit (SIU) Fraud Screening

Flags include coverage bound within 30 days of loss, extensive reporting delay (>14 days), inconsistent loss narratives, or high loss frequency (2+ claims within 12 months).

Initial Reserve Calculation Mechanics

Actuarial standards require carriers to establish realistic initial loss reserves within 24 hours of FNOL. The model computes property damage, injury severity multiplier, and ALAE (appraisal, legal, and inspection expenses) minus deductible.