# First Notice of Loss (FNOL)

**Claim Number:** CLM-2026-00892
**Associated Policy:** ACME-CPP-2026-0417 (Northwind Manufacturing LLC)
**Status:** Open — under investigation

## Loss Details
- **Date of Loss:** 14 March 2026
- **Time of Loss:** Approximately 02:30 (overnight)
- **Loss Location:** Warehouse 7, 4200 Industrial Pkwy, Toledo, OH 43607
- **Cause of Loss:** Burst overhead sprinkler pipe caused by a freeze; released
  water flooded the finished-goods storage bay.
- **Peril Category:** Accidental water damage (covered)

## Financial
- **Estimated Gross Loss:** $340,000
- **Initial Reserve Set:** $275,000
- **Deductible Applied:** $50,000
- **Salvage Expected:** $18,000

## Reporting
- **Reported By:** Priya Nair, Site Manager (Warehouse 7)
- **Reported To Carrier On:** 14 March 2026, 08:15
- **Adjuster Assigned:** Marcus Feldman, Meridian Casualty

## Notes
Approximately 1,900 pallets of packaged goods were exposed to water. A
restoration vendor (DryTech Recovery) was engaged the same day. No injuries
were reported. Business interruption is being evaluated separately and is NOT
included in the $340,000 estimate above.