labs@atheron:~/industries/insurance/apps$ build app --web --mobile

Insurance claims apps

A claims app for policyholders and a portal for adjusters.

The claims experience is the product most policyholders actually use. We build the app they report on and the portal your adjusters work in as one system, connected to the claims and policy systems you already run, so a file starts complete and stays visible.

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// what matters here

What is different in this industry.

A complete file from the first report

The app asks for what your adjusters need for each type of loss, photos included, so the first call is about the claim rather than about missing information.

Fits your claims system

We connect to Guidewire, Duck Creek or your in-house system through their interfaces. The app and portal add a front end; they do not replace the system of record.

Status without a phone call

Policyholders see where their claim is, what is needed from them and when payment is issued, which cuts calls to the contact centre.

Fair treatment written in

Notices, timelines and complaint routes your compliance team requires are part of the flow, so fair treatment of customers is visible in the product as well as in policy.

// example projects

Priced examples for this service.

Each one is hypothetical, labelled as such, and priced live from our rate card. Open any of them in the estimator and make it yours.

Example projectWeb appMobile app

Claims app with an adjuster portal

Hypothetical. Not a client, not a result.

// The problem

Policyholders report claims by phone and send photos by email, so adjusters start each file chasing information instead of assessing it.

// What we would build

An iOS and Android app where policyholders report a loss, add photos and follow their claim, with a web portal for adjusters that assigns files, tracks reserves and talks to the claims system.

// What is in it

Guided first notice of loss with photos, location and the other party's details
Claim status, messages and requests for documents in the app
An adjuster portal with assignment, notes, diary dates and reserves
Integration with your claims and policy administration systems
English and French throughout, with notices by push, text and email

// Stack

Next.js
React Native
PostgreSQL
Guidewire or claims system API
AWS Canada

// estimate

Build: ≈ US$193,000 to US$296,000, delivered within 36 weeksCAD 275,500 to 421,400
Hosting: ≈ US$492 a monthCAD 700 a month
Support: ≈ US$2,500 a monthCAD 3,565 a month

Prices in your currency are estimates from today's Bank of Canada rate. All invoicing is in CAD or USD.

Timeline by milestone

Discovery: 2.9 to 3.4 weeks
Design approved: 7.4 to 12.9 weeks
Core features: 1.9 to 3.4 weeks
Full build: 1.4 to 1.9 weeks
First build on devices: 3.9 to 6.4 weeks
Testing and fixes: 0.4 to 0.9 weeks
Store submission: 0.4 to 0.9 weeks
Claims workflow accepted end to end: 0.4 to 0.9 weeks
Controls built and evidenced: 0.4 to 0.9 weeks
Readiness review: 0.4 to 5.9 weeks
Launch: 0.9 to 1.4 weeks
Auditor fieldwork and report (SOC 2 Type I): 3 to 6 weeks

Outside our hands, and added to the calendar

App store review: 1 week
Test environment access from your vendor: 1 to 4 weeks
Booking a penetration tester and their report: 2 to 4 weeks

How it is paid

Deposit 20%: CAD 55,100 to 84,280
Discovery 6.4%: CAD 17,632.00 to 26,969.60
Design approved 6.4%: CAD 17,632.00 to 26,969.60
Core features 5.3%: CAD 14,601.50 to 22,334.20
Full build 3.5%: CAD 9,642.50 to 14,749.00
First build on devices 14.1%: CAD 38,845.50 to 59,417.40
Testing and fixes 1.7%: CAD 4,683.50 to 7,163.80
Store submission 4.7%: CAD 12,948.50 to 19,805.80
Claims workflow accepted end to end 7%: CAD 19,285 to 29,498
Controls built and evidenced 7%: CAD 19,285 to 29,498
Readiness review 7%: CAD 19,285 to 29,498
Launch 6.9%: CAD 19,009.50 to 29,076.60
Holdback, 30 days after launch (10%): CAD 27,550 to 42,140

Start from this example

// questions

Questions we get about this.

Can policyholders report a claim without an account?

Yes, if you want that. A guest report can be matched to the policy afterwards, which helps at the roadside; we agree the checks with your claims team.

Which claims systems can the portal connect to?

Guidewire, Duck Creek and most in-house systems with an interface. We review the interface before quoting, since it sets much of the integration work.

Can a broker or MGA brand the claims app as its own?

Yes. The app can carry the brand of the MGA or broker while the claims flow runs to the carrier's system behind it.

Back to the industry: Insurance About the service: Web and mobile apps

// next

Not quite your project?

Tell us what you have in mind. We will come back to you with a range and the questions that would narrow it. Or book a call and talk it through.

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