Claims API

Submit claims against bound policies on behalf of policyholders. Track claim status through the full adjudication workflow.

Submit a claim

POST /api/v2/claims/

Request body

Field	Type	Description
policy_numberrequired	string	The policy to file a claim against. Must be a bound policy you originated.
event_typerequired	string	Type of covered event. See event types table below.
event_daterequired	string	Date the event occurred, in `YYYY-MM-DD` format.
descriptionrequired	string	Detailed description of the claim event and circumstances.
documentsoptional	array	Array of supporting document URLs or pre-signed URL references. Accepts PDF, JPG, PNG.

Event types

Event Type	Description
payment_default	Borrower has defaulted on loan payments and the guarantee has been called.
covenant_breach	Borrower breached a financial covenant, triggering the guarantee.
loan_acceleration	Lender has accelerated the loan, demanding full repayment.
demand_under_guarantee	Lender has formally demanded payment under the personal guarantee.
insolvency_event	Borrower has entered insolvency or receivership proceedings.

Response

{
  "claim_id": "A2B3C4D5E6F7890123456789CC",
  "policy_number": "PGI-2026-CA-00142",
  "event_type": "payment_default",
  "status": "submitted",
  "event_date": "2026-03-28",
  "created_at": "2026-04-03T17:45:12Z"
}

Example

curl -X POST https://api.pgicover.com/api/v2/claims/ \
  -H "Authorization: Bearer pk_test_abc123def456ghi789jkl012mno345" \
  -H "Content-Type: application/json" \
  -d '{
    "policy_number": "PGI-2026-CA-00142",
    "event_type": "payment_default",
    "event_date": "2026-03-28",
    "description": "Borrower missed three consecutive monthly payments. Lender issued formal demand on March 25. Guarantor received demand letter on March 28.",
    "documents": [
      "https://storage.example.com/docs/demand-letter.pdf",
      "https://storage.example.com/docs/payment-history.pdf"
    ]
  }'

resp = requests.post(
    "https://api.pgicover.com/api/v2/claims/",
    headers={"Authorization": "Bearer pk_test_abc123def456ghi789jkl012mno345"},
    json={
        "policy_number": "PGI-2026-CA-00142",
        "event_type": "payment_default",
        "event_date": "2026-03-28",
        "description": "Borrower missed three consecutive monthly payments. Lender issued formal demand on March 25.",
        "documents": [
            "https://storage.example.com/docs/demand-letter.pdf",
            "https://storage.example.com/docs/payment-history.pdf",
        ],
    },
)
claim = resp.json()
print(f"Claim {claim['claim_id']} submitted: {claim['status']}")

const resp = await fetch("https://api.pgicover.com/api/v2/claims/", {
  method: "POST",
  headers: {
    "Authorization": "Bearer pk_test_abc123def456ghi789jkl012mno345",
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    policy_number: "PGI-2026-CA-00142",
    event_type: "payment_default",
    event_date: "2026-03-28",
    description: "Borrower missed three consecutive monthly payments.",
    documents: [
      "https://storage.example.com/docs/demand-letter.pdf",
      "https://storage.example.com/docs/payment-history.pdf",
    ],
  }),
});
const claim = await resp.json();
console.log(`Claim ${claim.claim_id} submitted: ${claim.status}`);

List claims

GET /api/v2/claims/

Returns a paginated list of all claims submitted through your partner API key.

{
  "count": 3,
  "next": null,
  "previous": null,
  "results": [
    {
      "claim_id": "A2B3C4D5E6F7890123456789CC",
      "policy_number": "PGI-2026-CA-00142",
      "event_type": "payment_default",
      "status": "under_review",
      "event_date": "2026-03-28",
      "created_at": "2026-04-03T17:45:12Z"
    }
  ]
}

Get claim details

GET /api/v2/claims/{claim_id}/

Returns full details for a claim, including current workflow step and message history.

{
  "claim_id": "A2B3C4D5E6F7890123456789CC",
  "policy_number": "PGI-2026-CA-00142",
  "event_type": "payment_default",
  "status": "under_review",
  "event_date": "2026-03-28",
  "description": "Borrower missed three consecutive monthly payments...",
  "documents": [
    "https://storage.example.com/docs/demand-letter.pdf",
    "https://storage.example.com/docs/payment-history.pdf"
  ],
  "messages": [
    {
      "sender": "pgi_underwriter",
      "content": "Claim received. We're reviewing the supporting documents. Please provide the original loan agreement if available.",
      "created_at": "2026-04-04T10:15:00Z"
    }
  ],
  "created_at": "2026-04-03T17:45:12Z"
}

Claim statuses

Status	Meaning
submitted	Claim received, pending initial review.
under_review	PGI underwriter is reviewing the claim and documents.
additional_info_required	More documentation or information needed from the claimant.
approved	Claim approved for payment.
denied	Claim denied. Reason provided in the message thread.
closed	Claim fully resolved and closed.

Webhook events You'll receive claim.submitted, claim.status_changed, and claim.closed webhook events as the claim moves through the workflow. See Webhooks.

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