Run FNOL Coverage Verification and Policy Eligibility Checklist — Free

Claim Intake and Policy Identification

Loss date and time captured critical (required)

Record the reported date and time of loss or occurrence.

Policy number and named insured verified critical (required)

Confirm the policy number, named insured, and insured entity match the FNOL record.

Loss location or risk location verified

Confirm the reported loss location is tied to the policy or scheduled risk location, if applicable.

Claim type identified

Select the reported claim type for routing and coverage review.

Coverage Effective Dates and Eligibility

Policy active on date of loss critical (required)

Confirm the policy effective date is on or before the loss date and the expiration date is on or after the loss date.

Yes No N/A

Coverage part or line of business applies critical (required)

Verify the reported loss falls under an active coverage part or line of business on the policy.

Yes No N/A

Named insured or additional insured eligibility confirmed

Confirm the claimant or reported party is an eligible insured, additional insured, or covered entity under the policy terms.

Yes No N/A

Policy cancellation or lapse checked critical (required)

Verify there is no cancellation, lapse, non-renewal, or reinstatement issue affecting the date of loss.

Yes No N/A

Deductibles, Limits, and Financial Terms

Applicable deductible identified critical (required)

Record the deductible amount, type, and whether it applies per occurrence, per claim, or per location.

Policy limit verified critical (required)

Confirm the applicable policy limit or sublimit for the reported loss exposure.

Self-insured retention or retention amount identified

Record any self-insured retention, retention, or waiting period that must be satisfied before coverage responds.

Coinsurance or participation terms reviewed

Verify whether coinsurance, participation, or shared-loss terms may affect payment.

Yes No N/A

Exclusions, Endorsements, and Coverage Restrictions

Relevant exclusions reviewed critical (required)

Review the policy for exclusions that may apply to the reported loss scenario.

Applicable endorsements or manuscript forms reviewed critical (required)

Check endorsements, manuscript forms, or coverage amendments that expand, restrict, or modify coverage.

Yes No N/A

Coverage restrictions or waiting periods identified

Confirm whether any waiting period, reporting requirement, or special condition affects eligibility.

Yes No N/A

Potential coverage issue flagged for review critical (required)

Indicate whether the file should be escalated to a coverage specialist, supervisor, or counsel for review.

Yes No N/A

Assignment Readiness and Documentation

Coverage verified before adjuster assignment critical (required)

Confirm the claim may be assigned to an adjuster based on the completed coverage review.

Yes No N/A

Required supporting documents attached

Verify the policy declarations page, endorsements, FNOL notes, and any relevant correspondence are attached or linked.

Yes No N/A

Escalation or hold reason documented

Document the reason the claim is held, escalated, or cleared for assignment.

Inspector or reviewer name recorded

Record the person completing the coverage verification.

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Run: FNOL Coverage Verification and Policy Eligibility Checklist

Claim Intake and Policy Identification

Coverage Effective Dates and Eligibility

Deductibles, Limits, and Financial Terms

Exclusions, Endorsements, and Coverage Restrictions

Assignment Readiness and Documentation

Get your results