# ClaimFinancialSettings Metadata Type Guide

> ClaimFinancialSettings manages org-wide financial processing rules for Insurance Claims in Salesforce, governing claim reserve adjustments, authority limits, and payment settlement workflows.

- Source: https://sfdxtalk.com/docs/metadata/claim-financial-settings-metadata-type/
- Category: Metadata
- Applies to: Salesforce Winter '27 (API version 68.0)
- Level: advanced
- Published: 2026-11-12
- Last updated: 2026-11-12
- Publisher: SFDX Talk Editorial (unofficial; not affiliated with or endorsed by Salesforce)
- License: CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

## Architectural Overview

In property and casualty (P&C), life, and health insurance carriers running on Salesforce Financial Services Cloud / Insurance Cloud, claims adjudication involves strict financial accounting around **Loss Reserves**, **Expense Reserves**, and **Claim Payment Summaries**. The `ClaimFinancialSettings` metadata type enables and configures the platform's native claim financials engine.

Storing `ClaimFinancial.settings-meta.xml` in SFDX version control ensures that scratch orgs, SIT/UAT sandboxes, and production environments enforce identical financial reserve and payment processing rules before deploying dependent `Claim`, `ClaimCoverage`, and `ClaimPaymentSummary` [Flow](/docs/metadata/flow-metadata-type/) automations.

```mermaid
flowchart LR
    A["ClaimFinancialSettings"] --> B["Enable Claim Financial Engine"]
    B --> C["Claim & ClaimCoverage Reserve Tracking"]
    C --> D["ClaimCoveragePaymentDetail Processing"]
    D --> E["General Ledger / ERP Settlement Sync"]
```

## Directory Location and File Suffix

In Salesforce DX projects, `ClaimFinancialSettings` is stored in the `settings` directory as `ClaimFinancial.settings-meta.xml`.

| Property | Value |
| :--- | :--- |
| **Directory Path (SFDX)** | `force-app/main/default/settings/` |
| **File Name (SFDX)** | `ClaimFinancial.settings-meta.xml` |
| **Classic Metadata File** | `settings/ClaimFinancial.settings` |
| **Package.xml Type & Member** | `<name>Settings</name>` with `<members>ClaimFinancial</members>` |

## Key Metadata Fields

The following table describes the configuration flags on `ClaimFinancialSettings` in API version `68.0` (Winter '27):

| Field Name | Field Type | Architectural Description |
| :--- | :--- | :--- |
| `enableClaimFinancialSettings` | `boolean` | Master toggle that activates Claim Financial Management features and objects in the org. |
| `claimActualAmountCalcMode` | `string` | Specifies how actual claim amounts and reserves are calculated and rolled up across coverages. |

## Declarative Metadata Example

The following `ClaimFinancial.settings-meta.xml` file enables Claim Financial Management in a target Insurance Cloud environment:

```xml title="force-app/main/default/settings/ClaimFinancial.settings-meta.xml"
<?xml version="1.0" encoding="UTF-8"?>
<ClaimFinancialSettings xmlns="http://soap.sforce.com/2006/04/metadata">
    <enableClaimFinancialSettings>true</enableClaimFinancialSettings>
</ClaimFinancialSettings>
```

### Package Manifest (`package.xml`)

```xml title="manifest/package.xml"
<?xml version="1.0" encoding="UTF-8"?>
<Package xmlns="http://soap.sforce.com/2006/04/metadata">
    <types>
        <members>ClaimFinancial</members>
        <name>Settings</name>
    </types>
    <version>68.0</version>
</Package>
```

## SFDX CLI Retrieval and Deployment

Use the Salesforce CLI (`sf`) to retrieve and deploy `ClaimFinancialSettings`:

```bash
# Retrieve ClaimFinancialSettings from an Insurance Cloud org
sf project retrieve start --metadata Settings:ClaimFinancial

# Deploy ClaimFinancialSettings to a target org
sf project deploy start --metadata Settings:ClaimFinancial
```

## Architect Best Practices and Gotchas

> [!WARNING]
> Always deploy `Settings:ClaimFinancial` **before** deploying custom fields, validation rules, or [Flow](/docs/metadata/flow-metadata-type/) definitions that reference financial claim objects (`ClaimCoverageReserveDetail`, `ClaimCoveragePaymentDetail`). If the setting is not enabled first, those dependent objects will not be visible to the Metadata API compiler.

- **Scratch Org Definition Alignment:** When building automated CI/CD pipelines with scratch orgs, include the corresponding Insurance Claims feature and `claimFinancialSettings` block inside `config/project-scratch-def.json` so scratch org creation provisions the underlying standard objects automatically.
- **Permission Set Assignment:** Enabling `ClaimFinancialSettings` exposes the feature at the org level, but claims adjusters still require the appropriate Insurance Claims permission set license and [PermissionSet](/docs/metadata/permission-set-metadata-type/) CRUD access to create reserve adjustments and payment summaries.

## Frequently Asked Questions

### What does ClaimFinancialSettings control in Salesforce Insurance and Financial Services Cloud?

It controls org-wide claim financial management behavior, such as enabling claim financial tracking, reserve calculation modes, and payment authority enforcement on Claim and ClaimCoverage objects.

### How is ClaimFinancialSettings referenced in package.xml?

In package.xml, use the Settings metadata type with the member name ClaimFinancial, which maps to force-app/main/default/settings/ClaimFinancial.settings-meta.xml in SFDX source format.

### Why does deploying ClaimFinancial.settings-meta.xml fail in a standard Sales Cloud org?

ClaimFinancialSettings requires Insurance Cloud or Financial Services Cloud Claims management licenses to be provisioned in the target org.

### Can ClaimFinancialSettings be used alongside Flow and Apex for claim adjudication?

Yes, ClaimFinancialSettings enables the underlying platform financial engine, while Flow and Apex orchestrate custom adjudication rules and external payment gateway callouts.

## Official References

- https://developer.salesforce.com/docs/platform/api-metadata/references/meta-types/metadata-claimfinancialsettings.md