{
  "$schema": "https://json-structure.org/meta/core/v0/#",
  "$id": "https://raw.githubusercontent.com/api-evangelist/acord/refs/heads/main/json-structure/acord-claim-structure.json",
  "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": "date",
      "description": "Date the loss or incident occurred"
    },
    "reportedDate": {
      "type": "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": "double",
      "minimum": 0,
      "description": "Current reserve amount set for this claim"
    },
    "paidAmount": {
      "type": "double",
      "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": "datetime"
    },
    "updatedAt": {
      "type": "datetime"
    }
  },
  "definitions": {
    "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"
        }
      },
      "name": "Party"
    },
    "ClaimPayment": {
      "type": "object",
      "required": [
        "paymentId",
        "amount",
        "paymentDate"
      ],
      "properties": {
        "paymentId": {
          "type": "string"
        },
        "amount": {
          "type": "double",
          "minimum": 0
        },
        "paymentDate": {
          "type": "date"
        },
        "paymentType": {
          "type": "string",
          "enum": [
            "Check",
            "EFT",
            "Wire"
          ]
        },
        "coverageType": {
          "type": "string"
        }
      },
      "name": "ClaimPayment"
    },
    "Address": {
      "type": "object",
      "properties": {
        "street1": {
          "type": "string"
        },
        "street2": {
          "type": "string"
        },
        "city": {
          "type": "string"
        },
        "state": {
          "type": "string"
        },
        "postalCode": {
          "type": "string"
        },
        "country": {
          "type": "string",
          "default": "US"
        }
      },
      "name": "Address"
    }
  },
  "name": "ACORD Claim"
}