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📬 '''Claims notification''' is the formal communication by which a [[Definition:Policyholder | policyholder]], [[Definition:Claimant | claimant]], or [[Definition:Insurance broker | broker]] informs an [[Definition:Insurance carrier | insurer]] that a [[Definition:Loss | loss]] or potential loss has occurred and may give rise to an [[Definition:Insurance claim | insurance claim]]. Often referred to interchangeably with [[Definition:First notice of loss (FNOL) | first notice of loss (FNOL)]], claims notification triggers the insurer's obligations under the [[Definition:Insurance policy | policy]] and initiates the [[Definition:Claims handling | claims handling]] process. Most policies impose specific notification requirements — including time limits and prescribed methods — that the insured must follow to preserve their right to [[Definition:Coverage | coverage]].

📩 The mechanics of notification vary by [[Definition:Line of business | line of business]] and market. In personal lines, a policyholder might call a toll-free number, file online, or use a mobile app within days of an incident. In commercial and specialty lines, notification often flows through an [[Definition:Insurance broker | insurance broker]] or [[Definition:Managing general agent (MGA) | MGA]] and may involve written notice to multiple parties — including [[Definition:Excess insurer | excess]] and [[Definition:Reinsurer | reinsurance]] carriers — within the contractual notice period. [[Definition:Claims-made policy | Claims-made policies]] are particularly sensitive to notification timing: a claim reported even one day after the policy period or [[Definition:Extended reporting period (ERP) | extended reporting period]] expires may be denied entirely. Once notification is received, the insurer's [[Definition:Claims department | claims department]] logs it, opens a file, and begins [[Definition:Claims intake | intake]] procedures.

⏱️ Timely claims notification is far more than an administrative formality — it directly affects the insurer's ability to investigate, mitigate, and manage the loss effectively. Late notification can result in spoiled evidence, increased [[Definition:Claims severity | severity]], and complicated [[Definition:Subrogation | subrogation]] prospects, all of which inflate [[Definition:Claims expense | claims expenses]]. From the [[Definition:Policyholder | policyholder's]] perspective, delayed notification risks a coverage denial based on breach of policy conditions. Carriers that invest in accessible, multi-channel notification systems — and that educate policyholders on their reporting obligations — tend to see better [[Definition:Claims experience | claims outcomes]] and fewer [[Definition:Claims dispute | disputes]] over late-reported losses.

'''Related concepts'''
{{Div col|colwidth=20em}}
* [[Definition:First notice of loss (FNOL)]]
* [[Definition:Claims intake]]
* [[Definition:Claims-made policy]]
* [[Definition:Extended reporting period (ERP)]]
* [[Definition:Notice of loss]]
* [[Definition:Claims handling]]
{{Div col end}}

Definition:Claims notification - Revision history

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