Cloud-Native Claims Automation SaaS on Azure

Summary

We re-architect property and casualty claims automation software from a single-deployment application into a cloud-native, multi-tenant service on Azure. This kind of engagement covers module boundaries inside a .NET back end, tenant isolation across data and identity, asynchronous processing for heavy paths, a responsive React interface for desk and field use, one integration layer for third-party claim data, and the security and audit controls the domain requires.

The Challenge

A claims platform tracks a loss from first notice through adjustment to settlement, holding the claim record, policy context, coverage decisions, reserves, payments, documents, correspondence and a complete audit trail, with workflow rules routing by type and severity. The domain logic in a mature product represents accumulated, hard-won practice, which is why rewriting from scratch is the wrong instinct - the knowledge is in the code and nowhere else.

The structural gap is real. A single-deployment application scales as a whole, is redeployed per organisation, and treats each external data source as a bespoke connection. Becoming a service requires several changes at once: tenant isolation across data and identity, independent scaling of the paths that carry load, an interface that works away from a desk, and one integration layer in place of many connectors. The recognisable failures are breaking the monolith apart before the domain boundaries are understood and inheriting a distributed system nobody can debug; lifting the existing schema unchanged into a multi-tenant database and then being unable to isolate tenants; and treating the audit trail as logging rather than as a regulated artefact with retention and immutability requirements.

The Solution

Back end and scaling

A modular monolith in .NET is often the right target. The application remains one deployable unit, which preserves transactional consistency and operational simplicity, while internal modules are separated by clear boundaries so heavy claims-processing paths can be scaled or later extracted without disturbing the rest. Decomposing into services immediately distributes the domain before its boundaries are understood and turns every claim update into a distributed transaction problem.

• Module boundaries defined by domain area - claims, policy context, payments, documents, reporting - each owning its data and exposing an internal contract.
• Asynchronous processing for document generation, bulk imports and notification fan-out, so interactive work is not blocked behind batch load.
• Managed Azure services for hosting, queues, storage and secrets, with infrastructure as code and an Azure DevOps pipeline that releases without a maintenance window.
• Tenant context resolved at request entry and enforced at the data access layer rather than in individual queries.

Front end and integrations

Claims work happens at a desk and in the field, so a responsive React front end covering both is a functional requirement rather than a preference. Field use means large touch targets and photo capture that survives a dropped connection. Third-party claim data - vehicle and property data, medical coding, repair estimates, fraud and identity checks, payment providers - arrives through one layer with a shared contract: credential handling in one place, retries and circuit breaking around each provider, request and response logged for audit, and a canonical internal model so a provider can be replaced without changing the domain. Bespoke connectors written one at a time are what make these systems unauditable.

How the work runs

We re-architect rather than rewrite, preserving refined domain logic while changing what surrounds it. Work runs incrementally with the existing system operational, module by module, so behaviour can be compared against the previous implementation at each step. Security is designed in: encryption at rest and in transit, role-based access with segregation of duties, immutable audit logging of every claim action, and secret management through the platform rather than configuration files.

What This Delivers

The product becomes something organisations are onboarded onto rather than deployed for, with a single version to support. Heavy processing scales independently instead of competing with interactive work, and adjusters use the same system at a desk and at a loss site. Integrations become governable and auditable, the audit trail stands up as a regulated record, and the domain logic that made the product valuable survives the move intact.

Technologies and Tools

.NET for the modular monolith back end, React.js for the responsive front end, Microsoft Azure for hosting, queues, storage and secret management, Azure DevOps pipelines with infrastructure as code, relational storage with tenant-scoped data access, and integration with third-party vehicle, property, medical coding, repair estimate, fraud and payment providers.