Turning a phoned in loss report into a submitted claim
An insured describes a loss in a phone call or three lines of email, and the work is picking the form and the destination. Property goes on an ACORD 1, auto on an ACORD 2, a liability occurrence on an ACORD 3, and an injury on a first report that is a state form as often as an ACORD 4. Destination is per carrier, a portal for one and a claims mailbox for another. The claim number comes back on a different channel than the report left by, which is how a claim ends up unlogged.
A certificate request arrives as a sentence in an email, and answering it correctly requires deciding which endorsements the policy actually grants.
The agency management system is the record, and a standardised download feed keeps parts of it current. The feed is positional flat file in origin, its coverage varies by carrier and by line of business, and a policy that arrives without matching an existing record lands in a queue somebody clears by hand.
- Applied Epic
- Outlook
- Twilio
When this is the wrong thing to build
Pick something else if most losses in your book are reported by the insured straight to the carrier on a number printed on the card. Intercepting those to log them delays the report, and on a serious loss the speed of first report is worth more than the record.
The constraint that shapes it
Producing a quote or binding coverage happens under a licence that is issued per state and per line, and separately under a carrier appointment, so a person can be licensed without being appointed. More on how this sector works.
Something arrives from anywhere. It becomes one record with one owner. Read what this shape is, or start from one of these.
- Turning portal leads into one shape a person can work
- Turning an after hours maintenance call into one work order
- Entering a new client once instead of four times
- Filing client email to the matter instead of the inbox
- Booking a service call without a person typing it
- Sorting a return visit into callback or new work
- Which ACORD loss notice form goes with which line of business?
- How do I get a claim number back into the management system automatically?
- Does workers compensation use ACORD 4 or the state first report of injury?
- How do agencies log a first notice of loss taken over the phone?
- Which carriers accept a loss notice by email rather than a portal?
Back to insurance agencies, or see how this is priced and scoped.