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Insurance Claim Acord Form 37

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INSURANCE CLAIM ACORD FORM 37

1. Insured / Claimant Information

Insured Name:

Policyholder Phone:

Email:

Date of Birth:

2. Policy / Producer Information

Insurer Name:

Policy Number:

Policy Type:

Policy Effective Date: Month Day Year

Policy Expiration Date: Month Day Year

3. Claim / Loss Details

Claim Number (if assigned):

Date of Loss: Month Day Year Time of Loss:

Estimated Amount of Loss: $

4. Property / Items Damaged

List damaged items, quantities, and estimated loss per item. Attach additional pages if necessary.

Item 1 — Description: Qty: Est. Amount: $

Item 2 — Description: Qty: Est. Amount: $

Item 3 — Description: Qty: Est. Amount: $

Item 4 — Description: Qty: Est. Amount: $

5. Documentation Checklist

Please indicate which items are attached and provide reference numbers where applicable.

6. Witnesses / Third Parties

Witness Name:

Witness Contact:

7. Prior Losses / Related Claims

Have you had prior losses or related claims for this property or insured within the past five years?

8. Authorization, Certification & Fraud Warning

I certify that the information provided in this claim form is true, complete and correct to the best of my knowledge. I understand that knowingly submitting materially false information or omitting material information, including but not limited to false statements concerning the time, cause or extent of the loss, may result in denial of coverage and may subject me to civil and criminal penalties under applicable law.

I authorize any person, institution or agency to provide the insurer or its representatives with records and information related to this claim, including medical, repair and financial records as reasonably necessary to evaluate this claim. I acknowledge that the insurer may investigate the facts, circumstances and the extent of the loss and may share claim information with other insurers or appropriate authorities for purposes of underwriting, claim handling, or fraud prevention.

I agree to cooperate with the insurer in its investigation, provide reasonable documentation upon request, and permit inspection of damaged property. I understand that payment of any claim may be conditioned upon submission of sworn proof of loss and such other documentation as required by the policy.

Applicant Name:

Signature:

Date:

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What the Insurance Claim ACORD Form 37 Is

The Insurance Claim ACORD Form 37 is a standardized claim intake and notice form used by insurers, agents, and brokers to gather core loss and policy information after an insured event. It captures claimant identity, policy identifiers, date and location of loss, loss description, damages, and initial reserve estimates to start the carrier's claim intake and assignment processes.

Why ACORD Form 37 Matters for Smooth Claim Handling

Using ACORD Form 37 ensures a consistent record of claim facts, speeds carrier triage, and reduces follow-up questions by collecting standardized policy and loss details at first notice.

Why ACORD Form 37 Matters for Smooth Claim Handling

Who Typically Completes and Receives ACORD Form 37

Insurance agents, brokers, claims adjusters, and insureds commonly complete ACORD Form 37 to initiate a claim file and trigger investigation workflows.

  • Insurance agents and brokers — prepare and submit on behalf of the insured after notice of loss.
  • Claims adjusters and carriers — use the form to open claim files and assign reserves.
  • Named insureds or claimants — complete claimant-specific sections when reporting directly to the insurer.

The form creates a shared starting point across parties and helps preserve dates, contact details, and initial loss descriptions for later investigation and settlement.

Step-by-step: Completing ACORD Form 37

Follow these four high-level steps to fill ACORD Form 37 accurately and submit it to the insurer or agent.

  • 01
    Gather documents: Collect the policy, IDs, photos, receipts, and any police or incident reports.
  • 02
    Enter policy data: Record carrier name, policy number, effective dates, and named insured details.
  • 03
    Describe loss: Provide date, time, location, and a concise factual description of the event.
  • 04
    Attach evidence: Upload photos, estimates, invoices, and witness contact details before sending.

Key sections to complete on ACORD Form 37

ACORD 37 groups information into logical sections; understanding each section reduces errors and supports faster claim decisions.

Claimant Details

Contact, phone, email, and mailing address for the claimant so the carrier can reach the reporting party and validate identity.

Policy Information

Insurer name, policy number, coverage type, and effective dates so eligibility and limits can be checked quickly.

Loss Facts

Date/time, location, and cause of loss summarized here to determine immediate coverage triggers and subrogation potential.

Supporting Evidence

Photographs, estimates, invoices, police reports, and medical records summarized with attachments to substantiate the claimed loss.

Damages and Reserve

Initial damage estimates, anticipated expenses, and suggested reserves to guide adjuster prioritization and early loss control.

Authorization & Signature

Claimant or authorized representative signature authorizes investigation and release of policy details under ESIGN/UETA-compliant execution.

How to configure a digital ACORD 37 workflow

Set up required fields, attachments, and notifications before sending a digital ACORD 37 to collect consistent, auditable responses.

Field Configuration
Required Fields Mark claimant, policy number, and date of loss as mandatory
Conditional Logic Show witness fields only if 'Witness present' checked
Attachments Allow photos, police reports, and estimates up to carrier limits
Notifications Alert agent and claims inbox on submission

Digital submission and platform requirements

Confirm the receiving carrier or agent accepts electronic ACORD 37 submissions and which file formats they prefer.

  • Supported formats: PDF, DOCX
  • Authentication: Email link, SMS code, or stronger
  • Integrations: Salesforce, NetSuite, Google Workspace

Use a platform that preserves an audit trail, supports conditional fields, and stores completed PDFs in your document repository for compliance and audit readiness.

Where to send ACORD Form 37 after completion

After completing ACORD 37, route it to the correct carrier contact, agent, or centralized claims portal for intake and assignment.

  • Carrier claims email: Send to the insurer's claims intake address on the policy declaration page
  • Agent/Broker: Provide a copy to the writing agent or broker for follow-up
  • Carrier portal: Upload to the insurer's secure claim portal if available
  • Retention copy: Keep a signed PDF for your records

Timelines and expected processing windows

Timely reporting and documentation affect coverage and subrogation; follow carrier-specific timing requirements in the policy and state law.

Report Promptly:

Notify insurer as soon as practical, often within 24–72 hours for first notice

Medical Records:

Provide medical proof within 30 days if required for bodily injury claims

Property Estimates:

Submit repair estimates within 30 days to avoid delay in repairs

Investigation Window:

Adjusters commonly complete initial investigation within 30–60 days

Settlement Timing:

Final resolution often occurs within 90–180 days depending on complexity

Key milestones in a claim lifecycle

Claims progress through discrete stages from notice to resolution; tracking milestones helps manage expectations and regulatory timeframes.

01

Notice Received

Carrier logs claim and issues a claim number to parties for reference.

02

Acknowledgment

Carrier confirms receipt and assigns an adjuster or desk handler.

03

Investigation

Adjuster collects evidence, interviews witnesses, and verifies coverage facts.

04

Resolution

Liability and damages are negotiated, and payment or denial is issued.

How ACORD Form 37 compares to similar ACORD claim templates

Different ACORD forms focus on different classes of business or levels of detail; use the form that matches the claim type needed by the carrier.

Criteria ACORD 37 ACORD 36
Purpose detailed claim intake brief notice of loss
Policy Info Required full policy fields minimal policy fields
Attachments Recommended optional
Typical Use property and casualty claims quick fnol reporting

Security and compliance features to verify when submitting ACORD 37 digitally

Encryption: TLS 1.2/1.3; AES-256 at rest
Audit Trail: Full action log with timestamps
HIPAA BAA: Available where PHI is present
Access Controls: Role-based permissions
Data Residency: Configurable per enterprise needs
Certifications: SOC 2 Type II; ISO 27001

Risks and potential penalties of incorrect or late ACORD 37 submissions

Claim Denial: Coverage may be denied
Delayed Payment: Settlement schedules postponed
Privacy Fines: HIPAA penalties if PHI mishandled
Fraud Allegations: Investigations and exposure to penalties
Contract Disputes: Agent-carrier disputes over notice
Invalid Signature: Legal challenges to authorization

Common mistakes when preparing ACORD Form 37

  • Omitting the policy number or entering an incorrect policy identifier causes routing delays and potential misallocation of the claim.
  • Submitting incomplete loss descriptions that lack date or location forces adjusters to request follow-up and slows timeline.
  • Failing to attach key supporting documents such as photos, estimates, or police reports leads to frequent rework and extended investigations.
  • Using an unsigned or improperly authorized signature can result in claims being returned or rejected by the carrier.

Practical tips to complete ACORD Form 37 accurately and efficiently

Adopt these practices to reduce friction, speed processing, and maintain a defensible audit trail when handling claims.

Use a validated template
Start from the carrier-approved ACORD 37 PDF to avoid version mismatches and missing fields.
Collect evidence up front
Attach photos, estimates, police reports, and witness contacts during initial submission to minimize follow-up.
Confirm signer authority
Ensure the signer is an authorized representative; keep a copy of any power of attorney documentation.
Preserve an audit trail
Use an eSignature solution that records timestamps, IP addresses, and signer intent for compliance.

Real-world examples of digitized ACORD 37 workflows

These short examples show how organizations reduced turnaround time and improved recordkeeping by digitizing claim intake.

Optica Ventures

Optica converted paper FNOL to digital forms to reduce wait times.

  • The team used integrated attachments for photos and invoices.
  • Resulting audit-ready PDFs shortened adjuster follow-up and improved customer satisfaction across property claims.

Martin Properties

A property management firm digitized ACORD 37 submissions for tenant-related damage reports.

  • Field staff uploaded photos from phones.
  • This enabled faster triage, prevented duplicate submissions, and preserved a complete digital record for carrier review.

Who typically signs the ACORD 37

Claims Adjuster

An authorized adjuster or carrier representative signs acknowledgment sections to confirm receipt and assignment. Their signature documents the carrier's initial actions and creates a traceable intake record.

Named Insured

The named insured or an authorized representative signs to verify the reported facts and to authorize the carrier to investigate and share necessary information.

eSignature vendor pricing and feature snapshot for ACORD Form 37 submissions

Compare basic pricing and common feature availability for platforms commonly used to collect and store signed ACORD Form 37 documents.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial, no credit card Varies by plan Varies by plan Varies by plan Varies by plan
Bulk Send Yes Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No

Frequently asked questions about ACORD Form 37

Answers to common questions about signing, submission, and legal validity of ACORD 37 in e-sign workflows.


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