FNOL triage — the validation gate as fraud control

Context

An FNOL (first-notice-of-loss) triage agent opens claims. It hallucinates a policy number and a fuzzy amount; the schema/entity gate rejects the call and forces a re-ask against the real record.

The decision

The validation gate isn't just hygiene — on claims intake it doubles as a fraud control, because 'unknown policy / non-numeric amount' is exactly what a bad claim looks like.

What most miss

Teams treat schema validation as plumbing. On FNOL it's the cheapest fraud signal you have — the same gate that catches a hallucination catches a fabricated claim.

Stakes

An auto-opened claim on a hallucinated or fabricated policy is a leakage and fraud exposure, not a bug ticket.