FNOL, desk and field workflows, and reserve math—claims operations where every touch is auditable.

From first notice to settlement—adjuster tools that match policy language to execution

We structure claims with coverage lines, deductibles, and sub-limits so adjusters see what applies before they negotiate. Photo intake, vendor assignments, and payment approvals follow your authority matrix—not informal email chains. Reserves move with documented rationale; SIU referrals and regulatory filings get queues with due dates instead of sticky notes.

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Insurance Claims Adjusting & TPA Platform Development

01 // THE MANDATE

FNOL, desk and field workflows, and reserve math—claims operations where every touch is auditable.

We structure claims with coverage lines, deductibles, and sub-limits so adjusters see what applies before they negotiate. Photo intake, vendor assignments, and payment approvals follow your authority matrix—not informal email chains.

Reserves move with documented rationale; SIU referrals and regulatory filings get queues with due dates instead of sticky notes.

02 // ENGINEERING

Development process

Structured phases—from discovery to launch—with clear ownership and handoff points.

Product definition (weeks 1–6)

Lines of business, authority tables, state differences list.

MVP (weeks 6–18)

Claim file, tasks, reserves, basic payments.

Hardening (weeks 14–24)

Integrations; document generation; audit reports.

Pilot (weeks 22–30)

Adjuster cohort; KPI baseline.

Operate (ongoing)

Rate/rule updates; catastrophe playbooks.

03 // CAPABILITIES

Core Capability Matrix

The building blocks of your solution

FNOL

channels; fraud scoring hooks optional.

Coverage

policy snapshot; endorsements; exclusions tagged.

Reserves

change history; approval thresholds.

Payments

multi-party; lienholder logic optional.

Field

mobile estimates; photo geotag optional.

Vendors

network roster; SLA tracking.

Litigation

counsel assignment; expense caps.

Reporting

cycle time; leakage indicators.

Compliance

state forms; retention schedules.

API

core system; payment rails optional.

04 // DELIVERY LIFECYCLE

The strategic roadmap

Milestones and checkpoints—each phase has a clear outcome before the next begins.

Milestone 01Delivery

Weeks 1–6: LOB scope; pilot region.

Milestone 02Delivery

Weeks 7–16: Core claim lifecycle live in sandbox.

Milestone 03Delivery

Weeks 17–24: Carrier integrations; print/mail optional.

Milestone 04Delivery

Weeks 25–30: Production cutover; hypercare.

Milestone 05Delivery

Ongoing: New jurisdictions; fraud model refresh.

05 // PRODUCT SCOPING

Choosing your path

Two engagement models—start lean and iterate, or commit to a full platform build from day one.

MVP

Speed & essentialism

Phase 1
MVP: single LOB property or auto light, FNOL, diary, reserves, payments, documents, roles. Excludes full reinsurance and multi-entity TPA. Proves workflow before enterprise lines.
Recommended

Full product

Enterprise maturity

All-in
Enterprise TPA: multi-tenant programs, reinsurance, litigation suite, FNOL AI triage, ISO/claims bureau messaging.

06 // PARTNERSHIP

Why work together

A single accountable partner across strategy, build, and go-live—not a revolving door of vendors.

John Hambardzumian
Direct collaboration

End-to-end ownership: discovery, architecture, implementation, and launch—with clear communication and production-grade engineering.

  • Discovery & alignment
  • Systems that scale
  • Implementation depth
  • Clear comms

07 // CLARITY

Frequently asked

Often integrate—claims holds rating snapshots so disputes reference point-in-time terms.

Ready to start?

Tell me about your product goals and timeline—I'll respond with a clear path forward.