ediverse

Type to search across standards, messages, tools and glossary.

ediverse Explore the platform

Spotlight PEPPOL BIS Billing 3.0 The EU e-invoicing mandate is here — France Sept 2026, Belgium Jan 2026, Germany 2025.

— 01

Foundations

— 02

Standards

— 03

Flagship messages

— 04

Tools

X12 112 — Property Damage Report

The 112 transmits a property damage report from a P&C claim between the insurer (or its appraiser) and the reinsurer, arbitrator, or settlement partner.

Purpose

The 112 documents a property damage appraisal: nature of the loss, damaged assets, estimated value, photos, detailed expert report. It is used after a 257 (loss notification) or FNOL to transmit the appraiser report.

It feeds subrogation processes, inter-company arbitration, and facultative reinsurance. Acknowledged by 997; corrections use a 112 replace.

Envelope structure

The 112 travels within the three X12 envelope levels (ISA/IEA, GS/GE with functional group PD, and ST/SE). Didactic example in release 004010:

x12 example-112.x12 
ISA*00*          *00*          *ZZ*PCCARRIER     *ZZ*REINSURER     *260515*1000*U*00401*000000112*0*P*>~
GS*PD*PCCARRIER*REINSURER*20260515*1000*1*X*004010~
ST*112*0001~
BGN*00*PD-CLM-2026-7711*20260515~
NM1*IL*1*ROBERTS*DAVID*K~
N1*IN*ACME P&C INSURANCE*24*EIN-CARRIER~
REF*0F*CLAIM-2026-7711~
DTM*036*20260501~
LX*1~
NTE*ZZ*WATER DAMAGE - KITCHEN AND BASEMENT~
AMT*KH*45000.00~
SE*9*0001~
GE*1*1~
IEA*1*000000112~

Common segments

  • Header — ST, BGN (claim reference).
  • Insured — NM1*IL.
  • Carrier — N1*IN.
  • Loss — REF*0F (claim number), DTM*036 (date of loss).
  • Details — LX loop: NTE (description), AMT*KH (estimated damage), PER for appraiser.
  • Summary — SE.

Common pitfalls

  • Estimate vs final: the 112 carries an estimate; the actual payment comes via 820 or 837 (health). Confusing both leads to double accounting provision.
  • Date of loss vs report date: DTM*036 is the loss date, not the report date. Policy effective must cover DTM*036 for the claim to be valid.
  • Photos & evidence: the 112 often references a 996 (file transfer) for photos; without a REF pointing to the bundle, the appraisal is deemed incomplete.

Documentation

The code 112 and the name Property Damage Report are public and listed on x12.org/products/transaction-sets. The complete structure of loops, qualifiers and code lists is distributed by DISA via the proprietary Implementation Guides (TR3). ediverse.io covers only public concepts, the envelope and didactic examples.