Report Claim

This Equinox Procedure is for Agents. Find a complete list here.

This procedure explains how agents can submit a First Notice of Loss (FNOL) in the Equinox platform. This initiates the claims process for a policyholder after a loss event.

Procedural Steps

1. Access Policy Record

A claim can be started one of two ways, which requires access to the policy.

1. Find the Report Claim button at the top of the Agency Workspace under the Search bar.

• Enter the policy number in the search bar on the following page.
• Choose the correct policy from the list.

Find the button on the Agency Dashboard.

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Use the "Policy Actions" menu along the right side of the page and click on "Report Claim"

2. Open the Policy Record to start

• Find the Policy Actions block on the right
• Choose Report Claim

2. Edit

Use the Edit button (pencil icon) below the Primary Insured contact details.

This will open the Renewal Billing Instructions fields for editing.

Make the appropriate selections to the Renewal Billing Instructions as needed.

Section 1: Is the Policy Force Placed by the Lender?

If the lender (mortgagee) required the NFIP policy as a condition to a loan, then select the "Yes" radio button.

Section 2: Renewal Billing Instructions
Choose the radio button to make changes to the payor.

Once all details are entered, click the "Save" button (move to Step 3 below).

Renewal Billing Instructions: Other

After selecting the Other button, add contact information into the additional fields.

If the Renewal Notice should go to another entity, such as a property management company, then choose the "Other" option.

• Select "Individual" or "Business"
• Enter the contact details in the fields below.
• All starred fields are required.

Click the "Save" button after all details are entered and move to Step 3 below.

3. Choose Effective Date

Choose the correct effective date for the policy change

Scroll to the top of the page to enter the effective date.

• Backdating is not allowed.
• Enter today's date or a later effective date.
• Choose "None" for the Waiting Period.

The Policy Change cannot be completed without choosing an effective date.

4. Review and Submit

Review the changes for accuracy and completeness before finalizing.

Once the effective date is entered, click the Issue button.

• The "Abort" button will exit without saving any details.

The system will process the change immediately.

• A Declarations page with the updated information will be available in the Documents section of the Policy Record.
• If a Renewal Notice exists and the policy has not expired, then a new Renewal Notice will be sent to the updated payor.
  

If the lender or insured needs an immediate copy, then one can be downloaded and emailed.

This page contains information about the NFIP. Find more NFIP Resources.