Claims Management Software Development

Claims management software built around FNOL to payout, not a Guidewire or Duck Creek license

Mid-market carriers and MGAs get quoted six-figure Guidewire ClaimCenter or Duck Creek Claims implementation contracts for a claims workflow they could own outright. We build FNOL intake, adjuster assignment, reserve tracking, payment processing, fraud flagging, and litigation tracking as a lean, purpose-built system, scoped to how your claims team actually works.

  • FNOL intake built around how your team captures a first notice of loss, not a generic ticket form

  • Adjuster assignment and routing based on loss type, severity, and workload

  • Reserve tracking and payment processing with a full audit trail on every disbursement

  • Fixed-cost delivery, scoped up front, with source code ownership

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See our work

The problem

Sound familiar?

  • Quoted a six-figure implementation contract for a claims platform you'll only use a fraction of?

  • Adjusters juggling FNOL intake, reserve tracking, and payment processing across three disconnected tools?

Short answer

Claims management software handles the insurance claim lifecycle: FNOL intake, adjuster assignment, reserve tracking, payment processing, fraud flagging, and litigation tracking. Mid-market carriers and MGAs buy custom versions of it when their claim volume doesn't justify a six-figure Guidewire ClaimCenter or Duck Creek Claims implementation contract. RaftLabs builds an MVP claims workflow for $30,000-$70,000 over 14-18 weeks, or a full claims platform for $70,000-$130,000 over 18-22 weeks, at a fixed cost.

Key takeaways

  • FNOL intake, adjuster assignment, reserve tracking, payment processing, fraud flagging, and litigation tracking form the core of a claims workflow, and each stage needs its own logic, not a generic ticketing system.
  • Guidewire ClaimCenter and Duck Creek Claims are priced for national carriers with the claim volume to justify an enterprise implementation budget, not every mid-market carrier or MGA.
  • An MVP claims workflow typically runs $30,000-$70,000 over 14-18 weeks; a full platform with fraud flagging and litigation tracking runs $70,000-$130,000 over 18-22 weeks.
  • You own the source code and the claims data model once the build is done, so there's no per-seat license to renegotiate every year.

Trusted by

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Aldi logo
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Energia Rewards logo
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T-Mobile logo
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Techstars logo
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Claims management software delivery, by the numbers

products shipped
100+
cost delivery
Fixed
week delivery cycles
14-22

A Guidewire or Duck Creek quote isn't the only option for a claims workflow

Guidewire ClaimCenter and Duck Creek Claims are built for national carriers running claim volumes that justify an enterprise software budget. Guidewire is a public company with $1.42B in trailing twelve-month revenue; Duck Creek is owned by Vista Equity Partners. Their implementation contracts price accordingly, often running into six figures before a mid-market carrier or MGA processes a single claim. If your claim volume doesn't need that scale, a purpose-built system covering FNOL through payout can cost a fraction of that, and you own it outright.

Capabilities

What we build

  • 01
    FNOL intake

    Digital intake for first notice of loss, capturing policy, loss, and contact details in one structured record, built around how your team actually takes a claim.

  • 02
    Adjuster assignment and routing

    Claims routed to the right adjuster automatically based on loss type, severity, and current workload, not a shared inbox someone triages by hand.

  • 03
    Reserve tracking

    Reserve amounts set, tracked, and adjusted against actual payments as a claim moves through its lifecycle, so exposure is always current.

  • 04
    Payment processing

    Claim payments processed and reconciled against reserves, with a full audit trail on every disbursement.

  • 05
    Fraud flagging

    Rules-based and pattern flags surface claims that need special investigation before payment goes out, scoped around the checks your team already runs.

  • 06
    Litigation tracking

    Claims that move into litigation tracked separately, with deadlines, counsel assignment, and status visible alongside the underlying claim.

How we work

From claims workflow mapping to live software

  1. Weeks 1-3
    01

    Discovery and workflow mapping

    We map your FNOL intake, adjuster assignment rules, reserve and payment processes, and fraud and litigation workflows. You leave with a written scope and a fixed-price quote.

  2. Weeks 3-7
    02

    Data architecture and integration design

    We design the claims data model, the adjuster assignment logic, and the integration layer for payment processing and any existing policy admin system.

  3. Weeks 7-18
    03

    Build in two-week sprints

    You review working software at each sprint. FNOL intake, adjuster assignment, reserve tracking, and payment processing are built and tested incrementally.

  4. Final 3-4 weeks
    04

    Testing and rollout

    The system runs against real claims data so your adjusters can validate assignment logic and reserve accuracy before it goes live.

Why us

Why carriers and MGAs choose RaftLabs

  • 01
    Senior engineers build what they scope

    The engineers who map your claims workflow also build the system. No offshore handoff after the contract is signed.

  • 02
    Fixed price before development starts

    We scope the work, calculate the cost, and lock it in writing before any development starts.

  • 03
    Founded 2015, 100+ products shipped

    A track record building compliance-conscious platforms that handle sensitive financial and personal data, with audit trails and access controls designed in from the start.

  • 04
    You own the source code

    No vendor lock-in after delivery, and no per-seat license to renegotiate every year. The codebase, and everything built into it, is yours.

Have a claims management software project?

Tell us how your claims workflow runs today, and where the gaps are. We'll scope a fixed-cost build.

What clients say

What clients say about working with us

Three-year average engagement. Founders and operators describing the work in their own words. No marketing varnish.

Amer Abu Khajil
Amer Abu Khajil
Canada flagCanada
Founder, Peak Studios & Perceptional

I found RaftLabs to be the perfect partner for Perceptional, with their expertise in helping startup founders build MVPs, a free consultation, a prototype that matched my vision, and their unwavering support.

01 / 06

Claims Management Software Development, scoped in one call.

Tell us what's broken. Within one business day you get a straight take on cost, timeline, and the right first step. No deck, no pressure.

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Frequently asked questions

Claims management software handles a claim from first notice of loss through payout: intake, adjuster assignment, reserve tracking, payment processing, fraud flagging, and litigation tracking. It replaces spreadsheets, shared inboxes, and disconnected point tools with one system that follows a claim through its full lifecycle.

Yes. We build the intake form and data model around what your team actually captures at first notice of loss, then automate adjuster assignment based on loss type, severity, and current workload, rather than a shared inbox someone triages by hand.

Yes. Fraud flagging is scoped around the rules and patterns your special investigation team already uses, and surfaces claims before payment goes out. Litigation tracking runs alongside the underlying claim, with deadlines, counsel assignment, and status visible in one place.

An MVP claims workflow, covering FNOL intake through payment processing, typically runs $30,000-$70,000 and takes 14-18 weeks. A full platform that adds fraud flagging and litigation tracking runs $70,000-$130,000 over 18-22 weeks. We scope a fixed cost after discovery.

Yes. We scope the integration during discovery, whether that's an existing policy admin system, a payment processor, or a third-party data source used for fraud checks.

Guidewire ClaimCenter and Duck Creek Claims are strong platforms for large national carriers with claim volumes that justify an enterprise implementation budget. Guidewire is a public company with $1.42B in trailing twelve-month revenue; Duck Creek is owned by Vista Equity Partners, and both price implementation accordingly. Custom software makes sense for mid-market carriers and MGAs whose claim volume doesn't justify that cost, and who need a claims workflow built around how they actually operate. We help assess the right fit during discovery.

Work with us

Tell us what you need. We'll tell you what it would take.

We scope Claims Management Software Development in 30 minutes. You walk away with a clear cost, timeline, and approach. No commitment required.

  • Scope and cost agreed before work starts. No surprises. No obligation.
  • Working prototype within 3 weeks of kickoff.
  • Pay by milestone. You see progress before each invoice.
  • 60-day post-launch warranty. Bug fixes, UI tweaks, and deployment support. No retainer.
  • All conversations are NDA-protected.