ACORD · Schema

ACORD Claim

JSON Schema for an ACORD NGDS insurance claim object, representing a first notice of loss through claim settlement.

ClaimsInsurancePolicyStandardsUnderwriting

Properties

Name	Type	Description
claimId	string	Unique internal claim identifier
claimNumber	string	Carrier-assigned claim number
policyId	string	Reference to the associated policy
policyNumber	string
status	string
lossDate	string	Date the loss or incident occurred
reportedDate	string	Date the claim was reported
lossDescription	string	Narrative description of the loss
lossType	string	Type of loss event
lossLocation	object
claimant	object
adjuster	object
reserveAmount	number	Current reserve amount set for this claim
paidAmount	number	Total amount paid on this claim to date
currency	string
payments	array
createdAt	string
updatedAt	string

View JSON Schema on GitHub

JSON Schema

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-schema/acord-claim-schema.json",
  "title": "ACORD Claim",
  "description": "JSON Schema for an ACORD NGDS insurance claim object, representing a first notice of loss through claim settlement.",
  "type": "object",
  "required": ["claimId", "claimNumber", "policyId", "status", "lossDate"],
  "properties": {
    "claimId": {
      "type": "string",
      "description": "Unique internal claim identifier"
    },
    "claimNumber": {
      "type": "string",
      "description": "Carrier-assigned claim number"
    },
    "policyId": {
      "type": "string",
      "description": "Reference to the associated policy"
    },
    "policyNumber": {
      "type": "string"
    },
    "status": {
      "type": "string",
      "enum": ["Open", "Closed", "Pending", "Denied", "Paid"]
    },
    "lossDate": {
      "type": "string",
      "format": "date",
      "description": "Date the loss or incident occurred"
    },
    "reportedDate": {
      "type": "string",
      "format": "date",
      "description": "Date the claim was reported"
    },
    "lossDescription": {
      "type": "string",
      "description": "Narrative description of the loss"
    },
    "lossType": {
      "type": "string",
      "description": "Type of loss event",
      "enum": ["Collision", "Theft", "Fire", "Water", "Wind", "Liability", "Medical", "Other"]
    },
    "lossLocation": {
      "$ref": "#/$defs/Address"
    },
    "claimant": {
      "$ref": "#/$defs/Party"
    },
    "adjuster": {
      "$ref": "#/$defs/Party"
    },
    "reserveAmount": {
      "type": "number",
      "minimum": 0,
      "description": "Current reserve amount set for this claim"
    },
    "paidAmount": {
      "type": "number",
      "minimum": 0,
      "description": "Total amount paid on this claim to date"
    },
    "currency": {
      "type": "string",
      "default": "USD"
    },
    "payments": {
      "type": "array",
      "items": {
        "$ref": "#/$defs/ClaimPayment"
      }
    },
    "createdAt": {
      "type": "string",
      "format": "date-time"
    },
    "updatedAt": {
      "type": "string",
      "format": "date-time"
    }
  },
  "$defs": {
    "Party": {
      "type": "object",
      "required": ["partyType"],
      "properties": {
        "partyId": {
          "type": "string"
        },
        "partyType": {
          "type": "string",
          "enum": ["Insured", "Claimant", "Agent", "Broker", "Carrier", "Adjuster"]
        },
        "firstName": {
          "type": "string"
        },
        "lastName": {
          "type": "string"
        },
        "organizationName": {
          "type": "string"
        },
        "address": {
          "$ref": "#/$defs/Address"
        }
      }
    },
    "ClaimPayment": {
      "type": "object",
      "required": ["paymentId", "amount", "paymentDate"],
      "properties": {
        "paymentId": {
          "type": "string"
        },
        "amount": {
          "type": "number",
          "minimum": 0
        },
        "paymentDate": {
          "type": "string",
          "format": "date"
        },
        "paymentType": {
          "type": "string",
          "enum": ["Check", "EFT", "Wire"]
        },
        "coverageType": {
          "type": "string"
        }
      }
    },
    "Address": {
      "type": "object",
      "properties": {
        "street1": {"type": "string"},
        "street2": {"type": "string"},
        "city": {"type": "string"},
        "state": {"type": "string"},
        "postalCode": {"type": "string"},
        "country": {"type": "string", "default": "US"}
      }
    }
  }
}