Insurance Claim Lifecycle
FNOL through investigation, decision, payment and possible litigation.
Rendering…
Make it your own.
flowchart LR
FNOL[FNOL — first notice of loss] --> Triage[Triage + assign adjuster]
Triage --> Inv[Investigation:\ndocs, photos, statements]
Inv --> Cov{Coverage applies?}
Cov -- no --> Den[Denial letter]
Cov -- yes --> Eval[Damage / value evaluation]
Eval --> Res{Settlement reached?}
Res -- yes --> Pay[Payment + close]
Res -- no --> Neg[Negotiation]
Neg --> Res
Neg --> Lit[Litigation]
Lit --> Pay
Den --> Appeal{Insured appeals?}
Appeal -- yes --> Inv
Appeal -- no --> Closed[Closed]