Real-Time FNOL Triggers
Catch subrogation at first notice, while the evidence still exists.
The failed valve, the dashcam file and the contractor's invoice are easiest to get in week one. Triggers make sure someone asks.
FNOL stream · 3 new · 2 triggers
CLM-26-118433 · Homeowners
“Hail damage to roof and gutters”
No third party
No subrogation trigger
CLM-26-118417 · Homeowners
“Water from upstairs bathroom, plumber replaced valve last week”
Recent third-party work
Preservation letter to plumber; retain valve
CLM-26-118402 · Personal auto
“IV rear-ended at light by box truck, driver said he was on delivery”
Commercial vehicle + course of employment
Request employer's carrier info; flag vicarious liability
Trigger library
Six signals that start the clock on your side.
| Signal at FNOL or in early notes | Action created | Why it matters |
|---|---|---|
| Commercial vehicle involved | Request the employer's carrier and confirm course of employment | Vicarious liability doubles the solvent defendants |
| Recent third-party work at the loss location | Preservation letter to the contractor; retain the failed part | Workmanship claims depend on the component |
| Appliance or component named as the source | Photograph rating plate; recall cross-match; hold the artifact | Product claims fail without the product |
| Public road, vehicle or utility involved | Calendar the notice-of-claim deadline on day one | Notice periods can be as short as 90 days |
| Tenant or lease present on a commercial loss | Pull the lease for indemnity and waiver language | Waivers can bar recovery; indemnity can create it |
| Injury at a third-party site (workers' comp) | Third-party action review and lien notice | Protects the comp carrier's statutory lien |
Adjuster experience
No new screen. One Activity, one action.
ClaimCenter · Activity
Due in 2 daysSubrogation: preserve failed supply line
Note 03/12 states a plumber installed a new quick-connect supply line on 03/10. Send preservation and joint examination notice to the installing contractor; instruct the insured to keep the fitting.
Source
Diary note 03/12
Theory
Negligent installation
Template
Preservation letter v4
- 14 mo
- average recovery cycle, manual process
- 4.5 mo
- average recovery cycle with automated packaging
- 80%+
- of AI-found opportunities come from unstructured narrative text, not structured fields
FAQ
Frequently asked questions
On connected claims systems, triggers evaluate within minutes of FNOL and of every new note or document. A trigger creates an Activity or task in your claims system rather than a new screen to monitor.
Triggers are designed to be rare and specific. Claims with no third-party signal produce nothing. When a trigger fires, the adjuster gets one concrete action, such as sending a preservation letter, not a questionnaire.
Yes. Thresholds, routing and actions are configurable by line of business, state, claim size and team, and every change is versioned.
Yes. Most carriers start with a closed-claim sweep to fund the program and switch on real-time triggers so new claims never land in the closed-without-recovery pile.
Find the millions hiding in your closed claim files before the Statute of Limitations expires.
We'll scan a batch of 500 closed claims for free and deliver an itemized recovery manifest within 5 business days.