Glossary · process
First Notice of Loss
Your initial report of a claim to the insurance carrier.
FNOL starts the carrier clock. Under Florida Statute 627.70131, the carrier has 14 days to acknowledge the claim and 60 days to pay or deny after receiving a proof of loss.
Example. Calling your carrier at 9 AM after a burst pipe is the FNOL. The claim number they give you references this moment.
In practice
Where you encounter "First Notice of Loss" in Florida claims
Policyholders see "First Notice of Loss" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 on Public Adjuster licensing and FS 627.70131 on carrier duties.
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Know these too
Related terms
Proof of Loss
A sworn statement detailing your claim.
Mitigation
Steps you take to prevent further damage after a loss.
Public Adjuster
A state-licensed professional who represents policyholders.
Company Adjuster
A carrier-employed adjuster who represents the carrier.
Independent Adjuster
A contract adjuster hired by the carrier.
Go deeper
Where else this term matters
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A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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Glossary
Related insurance terms
Homeowner Claim Bill of Rights
Related glossary entry: Homeowner Claim Bill of Rights.
Content Cleaning
Related glossary entry: Content Cleaning.
Extended Replacement Cost
Related glossary entry: Extended Replacement Cost.
Proximate Cause Chain
Related glossary entry: Proximate Cause Chain.
Bad Faith
Related glossary entry: Bad Faith.
Roof Payment Schedule
Related glossary entry: Roof Payment Schedule.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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