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Estimates

Filing an FNOL

First Notice of Loss in Wave is the customer and loss detail Wave collects in chat. It fills in from your first message, lives on the Info tab, and prints on the PDF.

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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. Wave collects the loss details in chat, starting with your very first message, and keeps them on the estimate's Info tab.

What Wave captures

  • Customer name
  • Property address: also sets regional pricing for the estimate
  • What happened: the loss description
  • Water category
  • Affected rooms with measurements

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 toilet supply line failure affecting the hall bathroom and hallway."

Wave picks up the name, the address, and the story of the loss. Whatever your first message doesn't cover, Wave asks about, one question at a time, often with tap-to-answer chips. See The chat interview.

Where the details live

Open the Info tab in the estimate workspace to review the customer and loss details Wave has on file, along with estimate notes.

Updating details

Tell Wave in chat what to change: "the customer's last name is spelled Parke" or "this was actually Category 2 water." The details update as Wave works. Because some line items follow the water category, changing the category after scoping means giving the priced rooms a quick second look.

Sending the FNOL

There isn't a separate "send FNOL" action. The customer and loss details print on the exported estimate PDF, so when you export the estimate the carrier or insured sees the FNOL data inline.