Commercial FNOL Triage

Commercial claims intake that reaches your adjuster in under 20 minutes

Fnolwise replaces phone-and-email FNOL intake with structured multi-channel intake, AI severity triage, and direct push to Guidewire ClaimCenter or Duck Creek Claims — cutting the 6–18 hour assignment lag that drives higher total incurred loss in commercial P&C claims.

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Platform

The complete commercial FNOL triage platform

Six integrated capabilities covering the intake-to-assignment workflow — from multi-channel FNOL submission through structured record push to your claims management system.

Structured FNOL Intake

Replace phone-and-email intake with a configurable multi-channel submission layer — web form, IVR feed, and email parsing — all normalizing to the same FNOL data schema.

Severity Triage Classification

Score every FNOL for severity tier — routine, elevated, or critical — based on loss type, reported dollar exposure, claimant count, and policy coverage limits before adjuster assignment.

Coverage Match Verification

Pull the policy record at FNOL receipt and run a preliminary coverage match — flagging potential gaps or exclusions before assignment so the first adjuster call is actually productive.

Adjuster Assignment Recommendation

Match each FNOL severity tier and loss category to adjuster specialty and current caseload — surfacing a recommended assignment for one-click supervisor confirmation.

ClaimCenter and Duck Creek Claims direct API push

ClaimCenter and Duck Creek Push

Write completed FNOL records — intake fields, severity tier, coverage flags, and assignment recommendation — directly to Guidewire ClaimCenter or Duck Creek Claims via certified API. No re-entry.

FNOL analytics and intake performance reporting dashboard

FNOL Analytics and Reporting

Weekly reporting on FNOL volume, assignment lag, intake completeness rate, and triage accuracy — exportable for QA and regulatory reporting, with trailing 90-day dashboard history.

How It Works

From FNOL submission to adjuster assignment in three steps

Fnolwise sits between your existing intake channels and your claims management system — structured data in, ready-to-assign record out.

FNOL submitted via web, phone, or email

The structured web form captures all required fields. The IVR feed and email parser normalize unstructured submissions to the same data schema — so every channel produces a complete record.

Triage classification and coverage check run automatically

The classification model assigns a severity tier, runs a preliminary coverage match against the policy record, and identifies the recommended adjuster based on specialty and caseload.

Structured record pushed to ClaimCenter or Duck Creek

The completed FNOL record — all intake fields, severity tier, coverage flags, and assignment recommendation — writes directly to your CMS. The supervisor confirms the assignment with one click.