FNOL (first notice of loss)
Also known as First notice of loss
FNOL, or first notice of loss, is the first report an insurer receives that a loss has happened. It is the moment a claim begins, and how well the FNOL is captured sets up every decision that follows.
The FNOL comes in by phone, form, email or app, often incomplete and unstructured. It carries the facts a claim is built on: what happened, who was involved, and the circumstances of the loss.
Why it matters
A thin or messy FNOL starts the claim with gaps, and every later decision inherits them. Capturing and structuring it well is what separates a claim that stalls from one that is ready to decide.
Mysa can take the FNOL on the claimant’s own channel, open the claim, and chase what is missing, so the file starts decision-ready.
Common questions
What does FNOL stand for?
First Notice of Loss, the initial report to an insurer that a loss has happened, which starts the claim.