Every claim opens on a form. Your agent reads the fields.

An independent, typed model of the loss notice, for agents to fill and check.

Request access Read the schema

Every deadline in a claim keys off the loss notice. Who reported, what happened, where and when. acords.co types it.

One family of forms, one field model.

The industry files claims and proves coverage on standard forms. The fields, not the paper, are what an agent needs typed.

The family

Three loss notices and a certificate, with fields in common.

Published by

ACORD, the industry's standards body. This site is independent.

Filled by

Agents, brokers and insureds at first notice of loss.

Sent to

The carrier's claim intake, where the claim's clocks start.

On this page

An original layout with fictional values, not an ACORD form.

The loss notice, as fourteen typed fields.

The model a filed notice resolves to, whichever form carried it. Free, with no key.

example.jsonTypeMeaningSource
  1. {

  2. "form": "property",

    enumproperty, auto or liability. The notice family.Agent intake

  3. "reported_at": "2026-06-11T18:02:00-05:00",

    date-timeWhen it was filed. The claim's clocks start here.Agent intake

  4. "reported_by": "Bright Harbor Insurance Agency",

    stringThe insured, the agent of record or a broker.Agent intake

  5. "carrier": "Meridian Mutual Insurance Co.",

    stringThe carrier the notice is addressed to.Policy record

  6. "policy_number": "HO3-2214087-01",

    stringThe policy the loss is claimed under.Policy record

  7. "term_start": "2025-10-01",

    datePolicy period: the loss date should fall inside.Policy record

  8. "term_end": "2026-10-01",

    date

  9. "named_insured": "D. Okafor",

    stringNamed insured on the policy.Policy record

  10. "contact": { "name": "D. Okafor", "phone": "(940) 555-0164" },

    objectWho the adjuster should reach, and how.Agent intake

  11. "date_of_loss": "2026-06-11",

    dateWhen it happened, as precisely as known.Insured's report

  12. "time_of_loss": "16:40 CT",

    stringLocal time of the loss, when known.

  13. "loss_type": "wind_hail",

    stringPeril: wind_hail, fire, water, collision, theft, liability.Insured's report

  14. "loss_location": "2114 Pecan Hollow Dr, Denton, TX 76205",

    stringWhere it happened.Insured's report

  15. "description": "Hail impact to roof decking and two skylights; water staining in the upstairs hallway ceiling. No injuries.",

    textA plain account of the loss, injuries noted.Insured's report

  16. "authorities_contacted": "None",

    stringPolice or fire report, if any.Insured's report

  17. "remarks": "Insured prefers contact by phone."

    textAnything material that fits no field.Agent intake

  18. }

The complete record is at /example.json, and its JSON Schema at /schema.json.

What your agent does with it

Three run keyless today. Parsing takes an access key.

parse

Read a filed notice

A completed notice in, typed fields out, whichever form it came on.

POST /parseaccess key
prefill

Draft the notice

Intake answers in, a typed notice and the questions left out.

prefill_loss_noticekeyless
check

Check before filing

Loss inside the term, dates in order, a contact who can be reached.

validate_loss_noticekeyless
explain

Explain any field

What a field means, who supplies it and what depends on it.

explain_loss_notice_fieldkeyless

Hand it to your agent

Point your agent at the MCP server. Prefill, the checks and the field reference become tools.

mcp.json
{  "mcpServers": {    "acords.co": {      "url": "https://acords.co/mcp"    }  }}

Tools · keyless

get_loss_notice_schemaget_loss_notice_exampleexplain_loss_notice_fieldvalidate_loss_noticeprefill_loss_notice
Agent sessionacords.co/mcp
  1. callprefill_loss_notice hail, roof and skylights, Denton TX
  2. okLossNotice · property · 3 fields still missing
  3. agentAsking the insured for the carrier and the policy number. The filing time is set when it goes in.
  4. callvalidate_loss_notice HO3-2214087-01, loss 2026-06-11
  5. okvalid · loss date inside the term
  6. agentReady for the carrier's claim intake. The claim itself is decided by a licensed adjuster.

Questions

The short answers.

What is a first notice of loss?

The first report of a loss to the carrier. It opens the claim file and starts its clocks: who reported, under which policy, what happened, where and when.

Which ACORD forms are loss notices?

ACORD 1, 2 and 3: property, auto and general liability. The ACORD 25 is the certificate of liability insurance, a different form.

Is acords.co affiliated with ACORD?

No. It is an independent reference to the fields those forms carry, and the notice shown here is an original layout.

Is the field model free?

Yes, with no key: the model, the example, the checks and prefill. Parsing filed notices needs an access key.

File every loss notice from typed fields.

Request an access key for parsing filed notices.