The verdict in three sentences
A property or construction loss adjusting firm receiving 2,000 to 8,000 instructions a year invests 40,000 to 120,000 EUR (about 34,000 to 103,000 GBP) in custom case management software, live within 5 to 8 months. The return is measured in closure time: every day saved between instruction and report improves the firm's ranking with insurer clients. The decisive technical point is integration with insurer platforms and claims portals, with no rekeying.
Modules of a modern adjusting platform
In London and the South East, an adjuster often carries 25 to 40 open files at once. Any rekeying between the insurer's portal, the diary and the word processor costs hours every week.
| Module | Key function | Indicative 2026 cost (EUR) |
|---|---|---|
| Instruction intake (insurer platforms, EDI) | Automatic import, file creation, acknowledgement | 8,000 to 20,000 |
| Appointment scheduling | Allocation by area, specialism and adjuster workload | 5,000 to 12,000 |
| Field mobile app | Geotagged photos, sketches, statements, offline mode | 10,000 to 30,000 |
| Report generation | Templates per insurer and peril, costing | 8,000 to 25,000 |
| Deadline and SLA tracking | Alerts per stage, dashboard per insurer | 4,000 to 15,000 |
| Fee billing | Fee scales per agreement, accounting export | 5,000 to 18,000 |
A first lot (platform intake, mobile, reports) starts around 40,000 to 60,000 EUR. Projects at 100,000 to 120,000 EUR cover several offices, agreement-based billing and detailed insurer dashboards.
Off-the-shelf or custom
| Criterion | Off-the-shelf | Custom by Kolonell |
|---|---|---|
| Entry cost | 5,000 to 20,000 EUR configuration | 40,000 to 120,000 EUR |
| Recurring cost | 60 to 150 EUR per user per month | Maintenance 12 to 15 % per year |
| 40 users, 5 years (100 EUR) | about 240,000 EUR | about 70,000 to 190,000 EUR |
| Insurer platform integration | Often included | Built around your flows |
| Report templates per insurer | Limited | Unlimited, versioned |
| Field mobile usability | Variable | Designed with your adjusters |
| Go-live time | 2 to 4 months | 5 to 8 months |
Custom build pays off when the firm has its own processes (construction, latent defects, major and complex loss) that a generic tool forces it to work around.
What insurers look at in 2026
| Indicator | Common insurer target | Software effect |
|---|---|---|
| First contact time | 48 h after instruction | Automatic alert at 24 h |
| Site visit time | 5 to 10 working days | Visits optimised by area |
| Report submission time | 15 to 30 days | Report pre-filled from mobile |
| Chased files rate | Under 10 % | Missing documents tracking |
| Photo and evidence quality | 100 % geotagged and time-stamped | Native capture in the app |
Mini case study
Helen, managing director of a property adjusting firm in London with 22 adjusters, handles 5,200 instructions a year. Rekeying and formatting reports takes about 1 h 15 per file. An 85,000 EUR custom system cuts that to 30 minutes. Gain: 5,200 x 0.75 h = 3,900 hours a year. Valued at 45 EUR an hour (loaded cost of a junior adjuster and an assistant), that is 175,500 EUR a year. Even if only half of that time goes to new instructions, payback comes in under a year, and average closure time falls from 28 to 19 days.
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FAQ
How much does case management software for an adjusting firm cost?
From 40,000 to 120,000 EUR custom, depending on modules and offices. A first lot covering intake, mobile and reports starts around 40,000 to 60,000 EUR.
Can the software receive instructions from insurer platforms?
Yes, platform and EDI integration with your main insurers is a priority module. It removes rekeying and saves 10 to 15 minutes per instruction.
Can adjusters work without signal on site?
Yes, the mobile app works offline and syncs photos and notes once back in coverage. A 60-photo file syncs in under two minutes on 4G.
How long is a full rollout?
Five to eight months, with a one-month pilot on a team of 4 to 6 adjusters. Report templates are migrated first.
Who owns the data and the code?
The firm, with UK or EU hosting. Source code is delivered and documented at the end of the project.
Let's scope your project. Share your instruction volume, insurer clients and adjuster headcount: we will price a first lot at 40,000 to 60,000 EUR with a 5 to 8 month plan. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
