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Estimates

Filing an FNOL

First Notice of Loss in Wave is the FNOL block in the estimate's right pane. Wave auto-populates it from your first chat message; you can edit any field directly.

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A First Notice of Loss (FNOL) is the intake record carriers and TPAs use to open a claim. In Wave, the FNOL isn't a separate form — it's the FNOL Information block at the top of the right pane, and it fills in from your first chat message.

What's in the FNOL block

  • Name — the insured / customer
  • Address — loss address (drives regional pricing)
  • Phone
  • Email
  • Insurance — carrier name
  • Claim #
  • Adjuster Name
  • Adjuster Email
  • Category — Cat 1, Cat 2, or Cat 3 (dropdown)

How it gets populated

Wave reads your first message and pulls everything it can recognize. For:

"My customer Jordan Park at 482 Sycamore Lane, Denver had a Cat 2 toilet supply line failure affecting the hall bathroom and hallway."

Wave will fill in Name (Jordan Park), Address (482 Sycamore Lane, Denver), and Category (Cat 2). Carrier-side fields (Insurance, Claim #, Adjuster) usually aren't in the tech's initial description, so they stay empty until you fill them.

Editing FNOL fields

You have two paths:

  • Right pane — click directly into any field and type. Saves on blur.
  • Chat — natural-language edits work: "Set the claim number to 24-A-78812" or "Adjuster email is sjohnson@statefarm.example."

Address gotcha

Wave reads the address once, at the start of the estimate, to pick the regional pricing set. Changing the address later does not reprice existing line items. If the original address was wrong, start a new estimate.

Category gotcha

The Category dropdown is part of the FNOL block — change it here, not by editing chat messages. Some line items (containment level, PPE) are derived from the category, so flipping Cat 2 → Cat 3 after the fact means reviewing what's been priced.

Sending the FNOL

There isn't a separate "send FNOL" action. The FNOL fields appear on the cover page of the exported estimate PDF, so when you export the estimate the carrier or insured sees the FNOL data inline.

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