{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$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"}
      }
    }
  }
}