Fall storm claims need intake before the adjuster calls back

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

What documents should Ontario brokers collect at storm FNOL?

Commonly policy details, date and description of loss, photos of damage (wide and close), an itemized damage list, temporary repair and cleanup receipts, and contractor estimates if available. Insurer and adjuster requests vary — confirm per carrier.

Are client phone photos enough for hail claims?

Often for initial FNOL if clear and dated. QC for blur, missing context shots, and wrong file types — reject on checklist for retake. Keep damaged items when safe until the insurer confirms disposal.

Should brokers separate auto and property storm claims?

Yes — different policies and checklists. One client with hail on car and roof needs two structured intakes, not one email thread.

Does Hivi-X replace the insurer claims portal?

No. Hivi-X collects and QC's client documents before your team submits through carrier systems.

How fast should storm intake happen?

As soon as it is safe and practical — industry guidance emphasizes prompt reporting with complete details. Same-day collection when possible reduces missing-item chase while adjusters are backlog-heavy.

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