Severity Scoring
Scores each claim Low / Medium / High / CAT at intake. Informs reserve recommendations before the first adjuster review.
How scoring works →
FNOL Triage Automation
Triage every claim in the first 60 seconds.
Fnolwise connects to your existing claims management system and automates the first-notice-of-loss decision — severity scoring, fraud screening, coverage verification, and adjuster routing — before your staff touches the file.
Connects to your existing claims management system
Guidewire ClaimCenter
Duck Creek Claims
Insurity Claims
ISO ClaimSearch
ISO PolicyServices
Triage Capabilities
Four decisions made at first notice
Before a claim reaches an adjuster, Fnolwise resolves the four questions that drive cycle time, reserve adequacy, and SIU timeliness.
Fraud Screening
ISO ClaimSearch lookup and pattern matching at first report. SIU referral threshold is carrier-configured.
Screening approach →Coverage Verification
ISO PolicyServices lookup confirms policy in force and coverage type at intake — before any coverage dispute can develop.
Verification detail →SIU Routing
Rule-based and pattern-based SIU referral logic. Configurable thresholds per line of business, designed for DOI timeliness requirements.
Routing logic →
How It Works
From intake to routing in three steps
Intake Channels
Every channel. One structured record.
Fnolwise normalizes FNOL data across all submission methods to a single structured intake record — regardless of how the claim arrives.
Phone / IVR
Structured intake from inbound call transcription and IVR session data. ACORD fields extracted from spoken first report.
Web Portal
Claimant-facing portal submissions map directly to ACORD 1/2/4 field structure. No manual re-entry.
Unstructured email FNOL parsed and normalized. Missing required fields flagged for follow-up before triage.
Mobile App
Mobile-submitted photos and incident details ingested alongside form data. Media references passed to estimation workflow.
Agent Submission
Agent-submitted ACORD forms and carrier-portal entries processed through the same triage pipeline as direct claimant submissions.
Electronic EDI
ACORD 1, 2, and 4 electronic data interchange from agency management systems. Structured field mapping without intermediary re-keying.
What carriers and TPAs see in practice
<90s
Average triage decision time from FNOL receipt to CMS write-back
3 CMS
Out-of-the-box connections: Guidewire, Duck Creek, and Insurity
4 channels
Intake channels normalized to one structured record per ACORD standard
Built For
Direct carriers and third-party administrators
P&C Carriers
Claims VPs at regional and national carriers
Fnolwise addresses cycle time reduction, reserve accuracy, CAT surge capacity, and SIU timeliness — the four metrics your claims operation is measured against.
- Commercial property and auto lines
- CAT event surge handling
- Reserve adequacy at FNOL stage
Third-Party Administrators
TPA operations handling multi-program claims
TPAs operating for self-insured employers or captive programs need triage rules that are configurable per client program — and reporting that goes back to the program sponsor.
- Multi-client isolation per program
- Configurable triage rules per sponsor
- Program sponsor reporting output
CAT Response
CAT event? Your FNOL volume just multiplied.
When a hurricane, hailstorm, or wildfire drives a 10x claim surge, Fnolwise maintains triage throughput — queue management, geographic clustering, provisional severity scoring with limited early data. Your intake operation doesn't pause because the storm doesn't.
CAT Response capability →