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First notice of loss

A claim reported at 2am is already filed.

A pipe bursts on a Sunday night and the agency line goes to voicemail, so the policyholder starts typing instead of waiting for Monday. Six questions later a claim file is waiting for the desk: what happened, when, and whether anyone needs checking on first. Free to start, live in five minutes.

You automate first notice of loss by putting a conversational agent in front of the intake conversation. It asks what happened, when, and whether anyone needs help right now, one question at a time, types the answers into a structured claim file, and posts that file to your AMS before anyone calls back.

01 · They talk

Your GnosariAnswering
What happened, and when?
Water everywhere in the basement, we just got home and found it, not sure since when
Understood, I have that. Is everyone safe, and is the water still running?
Everyone is fine, we shut the main valve off about an hour ago

02 · It becomes a record

policyholder_full_name
Dana Okafor
loss_type
Home, water damage
date_of_loss
Last night, discovered this morning
loss_description
Basement flooded, main valve shut off

typed · validated · deduped

03 · Your stack acts

  • Claims desk pinged
  • Zap into your AMS
  • Or the same via Make
  • Signed webhook at your endpoint
The process

The process this page is about

Not "AI for insurance". One process, the one that decides whether a worried policyholder reaches your agency or a call center recording: first notice of loss, the moment someone says what happened before an adjuster is ever assigned.
  • Who starts it

    Someone whose car was hit, whose pipe burst, or whose roof lost shingles in a storm, usually within hours of it happening and often outside office hours.

  • What it costs today

    An FNOL call that averages six to seven minutes when someone actually picks up, or a voicemail that goes unanswered until Monday while the loss sits unreported.

  • What it has to produce

    A claim file: who, what happened, when, whether anyone else was involved, and whether it needs a person right now rather than a form.

60%

of manually completed FNOL forms contain an error that has to be chased before the claim can move

EasySend

The schema

What it asks, and what it never asks

You name the fields your claim file already has. It asks for them in whatever order the story comes out, and it never lets a coverage question get in front of a safety one.
FieldTypeRequiredWhy it is there
policyholder_full_nametextYesWhose file this is
phonephoneYesHow the agency calls back
policy_numbertextSpeeds up the file, never required to start it
date_of_lossdateYesWhen it happened, for the file and for any deadline
loss_typetextYesRoutes it to the right desk
loss_descriptiontextYesWhat happened, in their own words
other_parties_involvedtextOther drivers, tenants or witnesses
police_report_filedbooleanWhether a report already exists to pull
injuries_reportedbooleanThe one field that can stop everything else
preferred_contact_timetextWhen the desk should call back

And what it will not do

  • It never confirms or denies whether this loss is covered. That is an adjuster’s decision, made after the file is reviewed.
  • It never quotes a premium, a rate, or an excess, for this claim or a new policy.
  • It never says a claim will be paid, or estimates what it is worth.
  • The moment anyone describes an emergency in progress, it stops asking questions and says to call 911 now.
  • It never invents a field. If they did not say it, the record says "Not captured" instead of a guess.
The live run

Try the run yourself

Six situations an agency actually handles, each running its own agent with its own fields. Pick one and answer it the way a real policyholder would, out of order and mid-worry, and watch it ask the follow-up instead of accepting the blank.
Open this one full screen
I need to report a claimConnecting
The live conversation is loading.
Where the records land

What the desk opens in the morning

Every conversation that produced something useful arrives here as a row an agent can read in two seconds. Every value keeps the sentence it came from, and anything the agent itself said can never become your data.

Collected data

132 collected19 this week3 need attention

Export CSV
  • Dana Okafor Water damage, basementClaims Intake · 1h ago
  • Théo Fontaine Active emergency, escalatedEmergency Response · 3h ago
  • Priya Chandran Asked about coverageCoverage Check · Yesterday
  • Walt Nyberg Lapsed 8 monthsPolicy Reinstatement · Yesterday
  • Renata Alves Cancelling, found cheaperCancellation Request · Fri

Dana Okafor

Captured 1h ago · Claims Intake · joina.chat

Captured data 7 of 8 fields

policyholder_full_nameDana Okafor
phone+1 512 555 0173
policy_numberNot captured
date_of_lossLast night
loss_typeHome, water damage
loss_descriptionBasement flooded, main valve shut off about an hour ago
police_report_filedNot sure, has not called yet
preferred_contact_timeWeekday evenings

From the conversation

“We just got home and found water everywhere, not totally sure how long it had been running , we shut the main valve off as soon as we saw it.”

Every value keeps the sentence it came from, and a value the visitor never said is never stored. A Gnosari cannot quote itself into your data.

From here a record can go straight on to Slack, a sheet, a Zap or your own API. The inbox is where you read them, not where they get stuck.

Where it goes next

Your AMS gets the claim, not another login

The moment the file is complete, Gnosari posts it to whatever address you give it. Signed, versioned and retried, with every attempt on the record, which is what a claim file actually needs.
POST https://hooks.zapier.com/hooks/catch/7654321/insured

Signed headers

webhook-id
msg_2f9a41c8
webhook-timestamp
1786518862
webhook-signature
v1,K7Qd…8xPm

Body

{
  "type": "data.collected",
  "event_id": "1b6f9c02-4d1a-4f7e-9b3c-2a5e8d0f1c44",
  "created_at": "2026-08-11T09:14:22Z",
  "payload_version": "v1",
  "data_kind": "New claim",
  "record_id": 1234,
  "attributes": {
    "policyholder_full_name": "Dana Okafor",
    "phone": "+1 512 555 0173",
    "date_of_loss": "2026-08-11",
    "loss_type": "Home, water damage",
    "loss_description": "Basement flooded, main valve shut off"
  }
}
  • Two events

    data.collected fires the first time a claim file opens. data.updated fires when a policyholder corrects or adds to it.

  • Signed, so you can trust it

    Standard Webhooks HMAC-SHA256, with webhook-id, webhook-timestamp and webhook-signature on every request. Verify before it opens a claim.

  • Quotes are opt-in

    The provenance block, the policyholder’s verbatim words, is absent unless you turn it on for that destination.

  • Zapier or Make

    Paste a Catch Hook URL into your Gnosari destination, then point the Zap at your AMS.

    Free tier, no app to install, and it fires the moment the file is complete.

    • Salesforce
    • HubSpot
    • Calendly
    • Mailchimp
  • Straight to the desk

    Anything that accepts an incoming webhook takes the payload as it is.

    No middleman. The claims desk sees the file before the adjuster does.

    • Slack
    • Teams
    • Sheets
    • Twilio SMS
  • Your own endpoint

    Give us an https address, verify the signature, open the file yourself.

    A few lines of code, and the delivery log tells you when something did not land.

    • Postgres
    • Supabase
    • Retool

And you can see every attempt

WhenEventOutcomeDetail
02:14:47data.collectedDelivered200 OK
02:14:41data.collectedFailed503, retrying in 30s
Yesterday 14:02data.updatedDelivered200 OK
Yesterday 08:19data.collectedDelivered200 OK

Every attempt is kept, newest first, with the reason when there is one. Failures retry on their own, and the signing secret lives in your dashboard so you can rotate it without calling anybody.

These are examples, not a partner list. Applied Epic, EZLynx, Vertafore AMS360 and HawkSoft are all reachable the same way: through a Zap, or straight to an endpoint you control. If it takes an HTTP request, it takes the file.

Two ways it can look

On the agency’s own site, or a link you text after a missed call

Both are live right now. The widget in the corner takes the coverage question from someone reading your services page. The link is what you text back to a missed call, and it works before the office opens.
chat

The widget on your site

A button in the corner that opens into a conversation. Your logo, your colours, sitting on the pages you already have.

  • One line of HTML, anywhere on your site
  • Bubble, sidebar, sidebar-push or drawer
  • Opens over the page, closes again
conversation

A page of its own

No chat window and no widget. Your headline leads, the thread sits under it, and it reads like you asked rather than like software collecting.

  • Sent as a link, or scanned from a QR
  • Its own headline, caption and greeting
  • Every link counted separately
  • One responsive page: phone, tablet or desktop

Every screen on this page is a published Gnosari, embedded from the app. Type into any of them.

Put it on your site

One snippet, four ways to wear it

Paste one line of HTML anywhere on your site. How the widget sits on the page is a setting, not a rebuild, and you can change it after you ship.

Bubble

display_mode="bubble"

A floating button in the corner. Opens over your page and closes again. The default, and the one nobody has to be taught.

Four corners to choose from

Sidebar

display_mode="sidebar"

A fixed panel down one side, always open. For pages where the conversation is the point rather than an aside.

Left or right, any width

Sidebar push

display_mode="sidebar-push"

The same panel, but your content moves over to make room instead of being covered. Nothing on the page is ever hidden.

Left or right, any width

Drawer

display_mode="drawer"

Slides in over the page when it is called, then slides away. The middle ground between a bubble and a sidebar.

Left or right

Where else it lives

Not every conversation starts on a website

The same Gnosari, reached three other ways. A link, a code, or a piece of paper. All of them land in the same record.

01 · A link you send

joina.chat/l/your-slug

Put it in an email, a text, a booking confirmation or a signature. Each link carries its own opening line and headline, and counts its own visits, so you can tell which channel actually worked.

  • Its own greeting and headline
  • Optional expiry date
  • Counted separately

02 · A code they scan

The same link, printed

Every link comes with a QR. On a table card, a receipt, a delivery note, a door. Someone points a phone at it and the conversation starts, with no app and no typing.

  • PNG or SVG, print resolution
  • Points at the same slug
  • Old printed codes keep working

03 · A flyer you hand over

posters.gnosari.com

A builder for the printed thing itself. Pick a template, restyle it, edit the words on the page and export a print-ready poster or card with the QR already placed.

  • Posters, cards and flyers
  • Print or PNG export
  • No account needed
Whose brand it wears

Your brand, down to the font

Nobody should be able to tell it is us. Start from a curated look, mix your own colour and pattern, or set every design token yourself: every surface follows, from the widget to the conversation page to the link someone opens on their phone.

01 · Start from a preset

Twelve curated looks, each a colour and a background pattern chosen to go together. Pick one and you are done.

  • plainsky · noneCorporate or formal, or let the content lead
  • clean-dotssky · fine-dotsSaaS, B2B, dashboards
  • ocean-wavesocean · wavesWellness, travel, spa
  • forest-topoforest · topographyOutdoors, sustainability, eco
  • blueprintblue · blueprintEngineering, dev tools, architecture
  • graph-paperindigo · graph-paperEducation, finance, analytical
  • circuitteal · circuitTech, hardware, AI, electronics
  • soft-bubblesrose · bubblesFriendly, lifestyle, community, care
  • sunset-glowsunset · blobsCreative, marketing, bold consumer
  • emerald-gridemerald · gridHealth, growth, productivity
  • confettifuchsia · confettiEvents, kids, playful brands
  • mono-noiseviolet · noiseMedia, publishing, premium and minimal

02 · Or mix your own

22 colour themes and 44 background patterns, each drawn in code at four intensities. That is 3,872 combinations before you touch a single token.

22 colour themes

  • purple
  • blue
  • green
  • orange
  • pink
  • indigo
  • cyan
  • rose
  • amber
  • teal
  • fuchsia
  • sky
  • emerald
  • violet
  • sunset
  • ocean
  • forest
  • neon
  • gold
  • coral
  • lavender
  • mint

44 background patterns

  • dots
  • grid
  • diagonal-lines
  • zigzag
  • hexagons
  • triangles
  • diamonds
  • squares-rotated
  • cross-dots
  • plus-signs
  • waves
  • bubbles
  • clouds
  • topography
  • organic-blobs
  • flowing-curves
  • subtle-grid
  • circuit
  • blueprint
  • isometric
  • graph-paper
  • fine-dots
  • confetti
  • stars
  • hearts
  • sparkles
  • paper-texture
  • noise
  • chat-bubbles
  • speech-marks
  • conversation
  • messages
  • emoji-smileys
  • emoji-hearts
  • emoji-stars
  • emoji-thumbsup
  • social-likes
  • social-reactions
  • paint-splatter
  • brush-strokes
  • doodles
  • squiggles
  • party
  • flowers

Every pattern, four intensities

  • subtle
  • light
  • medium
  • strong

03 · Or set every design token

Exact hex values, fourteen fonts, bubble shape per side, corner radius, density, header and input. Explicit tokens always win over the preset. Two chats can share every line of markup and still wear two different brands: only the tokens differ.

A boutique hotel

fontFamily
Playfair Display
colorPrimary
#A16207
colorSurface
#FAF7F2
bubbles.user.radius
xl
radius
lg
Maison AurelOnline
Is late checkout possible on Sundays?
Until 2pm, and there will be coffee waiting downstairs.

A developer tool

fontFamily
JetBrains Mono
colorPrimary
#34D399
colorSurfaceDark
#0D1117
bubbles.user.radius
sm
radius
sm
relaydbOnline
Does the API rate limit per key?
600 requests a minute per key, with bursts to 1,000 for 30 seconds.

fontFamily accepts fourteen faces

  • Inter
  • system-ui
  • Roboto
  • Open Sans
  • Lato
  • Montserrat
  • Poppins
  • Source Sans 3
  • Nunito
  • DM Sans
  • Lora
  • Playfair Display
  • JetBrains Mono
  • Space Grotesk
  • radius: none · sm · md · lg · xl
  • density: compact · comfortable · spacious
  • intensity: subtle · light · medium · strong

Set with one call, or one click in the designer. Changing it later takes the same one call, and every published surface updates at once.

The alternative

Instead of what you do now

The comparison that matters is not against another chatbot. It is against the FNOL call and the PDF form.
What changesPhone call to the officePDF or web claim formGnosari
After hoursRings out to voicemailDownloaded, never returnedAnswered, typed, delivered
What you get backA name, if they left oneWhatever fit in the boxesWhat happened, in their own words
Half-told storyStaff call back to askSubmitted half emptyIt asks the follow-up
An active emergencyDepends who answeredNot applicableStops and says call 911, every time
Coverage questionsWhoever picks up guessesNot asked at allNever answered, always routed to an agent
Gets into your AMSRe-typed by handCSV, or an integration you pay forSigned webhook, the moment it is complete
Common Questions

Frequently Asked Questions

Everything you need to know about getting started. Can't find the answer you're looking for? Reach out to our team.

Still have questions?

Our team is here to help you get started.

Gnosari takes the first notice of loss an agency would otherwise receive as a 2am voicemail: the policyholder, the policy if they know it, what happened in their own words, when and where, photos if they have them, and how to reach them. It asks one question at a time on your site or through a link, then posts a typed claim file to your agency management system before the office opens.

One missed call from now, a claim could already be filed.

Build the agent, put it where a missed call would otherwise go, and watch the first claim file arrive. Free to start, no card.