Step 1 – Policy Search

The first step in the FNOL process is to identify the policy the loss event is being filed against. If you don’t have policy information, you can continue the FNOL workflow without attaching a policy to the FNOL. To access Step 1 – Policy Search of the FNOL workflow, select + New FNOL on the FNOL Drafts screen or select + New Claim on the Claims Home screen.

To complete the Policy Search screen by selecting a policy the FNOL is attached to:

  1. In the Loss Date box, either use the date picker to select the date the loss event occurred or type the date. This is a required field.
  2. In the Loss Time box, either use the time picker to select the time of day the loss event occurred or type the time of loss. This is a required field.
  3. From the Timezone dropdown list, select the timezone of the location where the loss occurred. This is a required field.
  4. In the Search for and select a policy box, type the insured name, phone, address, or policy number associated with the policy you’re trying to locate. Select Search or press Enter/Return on your keyboard.
  5. From the generated results, select the radio button next to the policy you’re filing the loss event against. If multiple pages of search results are generated, use the pagination at the bottom of the screen to navigate through the results.

    Note: If the loss date is outside of the selected policy effective dates, a pop-up message will appear with the following statement: Selected policy has no revisions effective during the provided loss date.

  6. Select Continue. See Step 2 – Reported By.

To complete the Policy Search screen without selecting a policy:

  1. In the Loss Date box, either use the date picker to select the date the loss event occurred or type the date. This is a required field.
  2. In the Loss Time box, either use the time picker to select the time of day the loss event occurred or type the time of loss. This is a required field.
  3. From the Timezone dropdown list, select the timezone of the location where the loss occurred. This is a required field.
  4. Next to Search for and select a policy, select the Continue without a policy link.
  5. From the What type of claim is this? dropdown list, select the Line of Business option.
  6. Select Continue.

Usage considerations

  • When you select the date and time of loss and the policy, BriteCore will search for any claims filed on the same policy from one day before the entered loss date to one day after the entered loss date. If claims are identified, the Potential Duplicate Claim dialog box will open and display possible duplicate claims. See Potential Duplicate Claim workflow.
  • When you select the date and time of loss and the policy, BriteCore will ensure the Loss Date and Loss Time are within the policy’s effective dates. You can’t select a Loss Date and Loss Time that is outside of the policy’s effective dates.
  • Information added in the Policy Search screen will populate the Loss Information section of the claim file’s and exposure file’s Details screens.
  • When you select a policy, the FNOL step menu on the right side of the screen will populate with the remaining steps.
  • When you select a policy, BriteClaims will import information from the policy, including either agent or agency information. The advanced setting policy-go-to will determine if agent or agency information is imported. See Policy go to for more information.
  • If you don’t have enough information to attach a policy, you can continue the FNOL workflow without attaching a policy by selecting the Continue without a policy link. The What type of claim is this? dropdown list and the Search for a policy link will appear. From this view, to access the Search for and select a policy box, select the Search for a policy link.
  • When you select Continue, the New FNOL label attached to this FNOL will change to the automatically assigned FNOL Number. After the FNOL Number is assigned, any changes made to the FNOL are automatically saved.