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.
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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 next.
Know these too
Related terms
A sworn statement detailing your claim.
Steps you take to prevent further damage after a loss.
A state-licensed professional who represents policyholders.
A carrier-employed adjuster who represents the carrier.
A contract adjuster hired by the carrier.
Go deeper
Where else this term matters
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
Every Florida insurance carrier profiled.
All 67 Florida counties.
Every claim term defined.
Hurricane, water, fire, roof, more.
Every major Florida storm profiled.
Decision and settlement tools.
Real Florida recoveries.
Common problems answered.
Free claim review
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 next.
No obligation. No fee unless recovery.
Free review. No fee unless we recover more.
Glossary
Related insurance terms
Related glossary entry: Homeowner Claim Bill of Rights.
Related glossary entry: Content Cleaning.
Related glossary entry: Extended Replacement Cost.
Related glossary entry: Proximate Cause Chain.
Related glossary entry: Bad Faith.
Related glossary entry: Roof Payment Schedule.
Free claim review
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 next.
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