how a first notice of loss works
the first notice of loss fnol is a report that starts the process for you to receive a claim settlement for example if a thief steals your automobile and you carry comprehensive insurance you can file a claim against your policy to help pay for a new ride the first step in the claims process is to contact your insurance company or agent to report the theft this first contact is the fnol 12the fnol process varies by insurer with some providers you can make the initial contact by calling your insurance agent or a claims call center several major carriers enable you to file the fnol using their mobile apps others give you multiple options to file which can include through a website app email a phone call or postal mail 34