Definitions/situations
What does FNOL stand for?
First notice of Loss
The following claim example is indicating which loss type?
A sewage backup contaminates the basement flooring and requires extensive cleanup.
Contamination
The following claim example is indicating which loss type?
Lightning strikes a home, causing electrical damage to appliances.
Lightning
After receiving the policy number what is the next two steps in FNOL procedure?
Verify the policyholder information
Download the Dec Page
What documentation is needed when filing a Loss assessment Claim?
Loss assessment letter
What is defined as The primary cause of loss or damage in an insurance claim, which sets off a chain of events leading to the final outcome. It is used to determine coverage under the terms of the policy
Proximate Cause
The following Claim example is indication which loss type?
Roomer/Boarder occupying a room in the home has damaged property from a covered peril
Damage to property of others
The following Claim example is indicating which loss type?
A household relative kicks a soccer ball into the neighbors dining room window, damaging the window and the neighbor’s vase in the dining room.
Damage to property of others - liability
What is needed to be able to take a FNOL from a contractor or 3rd party person?
Verbal permission from named insured
If an attorney calls to get information on a claim or file a claim, what documentation is needed?
Letter of representation
If an insured calls and tells you there home was struck by lighting and subsequently caught fire what is the cause of Loss you would choose?
Fire is Fire is Fire
The following claim example is indicating which loss type?
Pipes in the attic freeze during the winter, burst and leak into the living room
Freezeing Water(Bursting Pipes)
Name a claim example in which you would list Equipment breakdown as the Cause of Loss?
Never Use. Input as physical damage
If the insured/person reporting claim is unsure of the Date of loss what other date is acceptable?
Date of Discovery
What two ways can an insured file a claim with ATI?
Report a claim on line: WWW.alliedtrustins.com
Report Via Phone: 844-200-ATIC(2842) Option 1
If an insured calls and informed they have roof damage from a wind/hail storm what loss type would you choose?
Hail
The following claim example is indicating which loss type?
A dishwasher connected to the kitchen plumbing unexpectedly overflows, causing water to damage the kitchen floor.
Accidental Discharge/overflow- appliance/plumbing
The following claim example is indicating which loss type?
A washing machine falls over due to being overloaded while running, flooding the laundry room and surrounding hallway.
Accidental Discharge/Overflow- Appliances(human Error)
If a claim has already been filed how should you advise?
Provide the insured with the claim number, Update the insured on the status of the claim, if possible, and send an email to the examiner if warranted
What loss types or situations are we required to email Claims Escalation?
Injury, Death, Fire or an uninhabitable home
If an insured calls in to report a claim but wants to know if it is covered first what should you inform them?
I can assist you in filing the claim, but for coverage questions I would need to transfer you to your Licensed agent for assistance, would you like me to transfer you?
Or something similar advising to get with their agent
The following claim example is indicating which loss type?
A bathroom sink pipe breaks under the cabinet, causing water damage to the vanity and floor.
Accidental Discharge/overflow Plumbing
The following claim example is indicating which loss type?
A roof leak during heavy rain causes water to drip into the attic, damaging insulation and drywall.
All other water Damage
If the home has been deemed as unlivable due to claim, what additional information should you ask for?
Ask for Address of where they are staying and updated contact information if warranted
Name the 6 tabs on the FNOL base Template provided by thy leader(Ian)
Property
Liability
Water-Appliance
Theft/Burglary
Fire
Loss Assessment