what is required for an fnol 
it s important to file the fnol as soon as possible but you need to prepare first before contacting the insurance company you first need to document your loss 5 for instance if a fire damages your kitchen take photos or videos of the damage if you have photos or videos of the insured asset taken before the incident make them available before submitting the fnol 2if you damage your car in an accident take photos and jot down notes about the location how the incident occurred and traffic and weather conditions also if someone witnessed the accident ask them for their contact information if a police officer responds to the accident ask them how you can get a copy of their report once you ve fully documented all losses you re ready to contact your insurer an fnol usually requires you to provide policy number date and time of theft or damage location of the incident police report number if any and your personal account of how the loss happened 6in the case of auto damage claims you also must provide information about the other party s insurance coverage during the fnol the claims adjuster may also rely on the accounts of the other driver and witnesses when determining how to settle the claim if you initiate the fnol over the phone the agent or claim representative will review your policy to see if it covers your losses they might also ask you a few questions about the extent of the loss and how the loss occurred 