Claims Processing Platform Modernization and Evolution

Summary

We build, modernize and extend property and casualty claims platforms. Technology of this class is rarely one application: it is usually three surfaces over a shared claim record, an end-to-end processing system where claims-handling specialists triage, assign, reserve and settle, a damage-inspection application that field adjusters carry to a loss site, and a tracking portal that gives policyholders visibility into status, documents and payments. Engagements of this kind span architecture review, development, integration, testing, support and consulting on where to move first.

The Challenge

The recurring industry problems these systems exist to solve are communication gaps between the field and the back office, thin transparency for the insured party, and inconsistent control over claim data as it passes between the people handling it. A platform of this shape is never finished, because carrier products, regulatory expectations and mobile platform requirements all move independently of each other.

Sync is where field inspection systems fail. Inspections routinely happen with no usable connectivity, so records captured offline need deterministic conflict resolution and idempotent submission, or retries duplicate inspections. Without per-record status the adjuster can see, a form that failed to transmit is silently lost rather than visibly stuck. Inspection forms that hard-code fields turn every new product line into a release. Mobile stores enforce hard SDK requirements, so a neglected application eventually cannot ship at all, and the catch-up work cascades into re-establishing native module dependencies for notifications, push messaging, camera and file streaming. Aging UI component libraries create the same drag on the web surface. Claims platforms also hold personal and financial data, and firms pursuing SOC 2 need their controls evidenced continuously rather than configured once.

The Solution

Platform shape

We work on these suites as a .NET service layer over a relational store, typically MS SQL Server, hosted on Azure, with a React web front end for handlers and a React Native application for field use. Background processing belongs on a queue rather than inside request handlers, because document generation, media processing and report builds are slow and bursty.

The claim as aggregate root

Coverage, exposures, reserves, inspection findings, media, notes and payments all hang off the claim, and every change is versioned so the state at any point in the claim's life can be reconstructed. Business rules stay in the service layer and are never duplicated across the web and mobile front ends.

Field capture and reporting

• The field application carries its own local database and a sync engine designed for extended offline use.
• Submission is idempotent, conflicts resolve deterministically, and sync failures are made loud rather than swallowed.
• Inspection forms are data-driven, with fields defined per insurance product rather than compiled in.
• Report automation composes inspection documents from captured fields and media against templates, which only works when the capture schema is disciplined enough to bind to.

Platform currency and security

Keeping the React Native application current with iOS and Android SDK levels is treated as scheduled engineering, and migration to a maintained component toolkit is planned as its own scope rather than absorbed into feature work. Security baseline includes multi-factor authentication using authenticator applications and TOTP, permission-based access control, encryption in transit and at rest, and comprehensive audit logging.

How the build runs

We start by reviewing existing capabilities, architecture and stack, and documenting concrete functional and technical improvement opportunities. That inventory is ordered by business value so the highest-impact areas move first. A working team typically pairs a business analyst and technical lead with back-end, front-end and QA engineers who understand claims domain semantics, embedded alongside the in-house team rather than working from a fixed specification handed over the wall. High-volume catastrophe events are treated as an explicit performance scenario, with load testing against realistic claim surges.

What This Delivers

Field and office work from the same claim record, so inspection findings reach handlers without rekeying and the insured party can see where a claim stands. Structured capture makes report generation automatic instead of manual assembly. Versioned data keeps historical records readable after schema change, audit logging and access control give regulators and assessors something to inspect, and instrumentation across the pipeline surfaces the expensive failures early, rather than when someone outside the business asks about them.

Technologies and Tools

• .NET service layer, MS SQL Server, Azure hosting
• React web front end, React Native field application with local database and sync engine
• Queue-based background processing for documents, media and reports
• TOTP authenticator multi-factor authentication, role and permission models, audit logging