The verdict in three sentences
In a firm of 15 adjusters handling 4,000 claims a year, report turnaround decides whether you stay on insurers' panels, and it stretches as soon as field findings are retyped at the office. Custom business software costs EUR 35,000 to 70,000 (about USD 38,000 to 76,000) and ships in 4 months. The realistic goal: bring average report time from 21 to 9 days by generating reports on site and exchanging with insurers through APIs.
Where the 21 days go
An adjusting report's delay almost never comes from the analysis itself. It comes from back-and-forth: booking the visit, photos transferred by hand, findings retyped, chasing quotes and invoices, then manual upload to the insurer's platform. The next table shows where software acts (2026 order of magnitude, 15-adjuster firm).
| Step | Time without a tool | Time with software | Lever |
|---|---|---|---|
| Receiving and assigning the claim | 2 days | Under 4 hours | API import from the insurer, assignment by area |
| Booking the visit | 4 days | 1.5 days | Slots offered to the policyholder by SMS |
| Visit and inspection | 1 day | 1 day | Unchanged |
| Writing the report | 6 days | 2 days | Prefilled report on tablet, annotated photos, dictation |
| Collecting quotes and documents | 6 days | 3 days | Policyholder and contractor portal, automatic reminders |
| Review and sending to insurer | 2 days | 0.5 day | One-click approval, automatic upload |
| Total | 21 days | 9 days | Invoicing triggered on upload |
2026 pricing: off-the-shelf or custom
Off-the-shelf claims software covers standard file management. Custom work becomes relevant when the firm works with several insurers using different formats, mixes property, construction and asset valuation claims, or wants a branded policyholder portal.
| Option | Price | Timeline | Limits |
|---|---|---|---|
| Off-the-shelf software | EUR 60 to 150 per adjuster per month, i.e. EUR 900 to 2,250 for 15 adjusters | 1 to 2 months | Fixed report formats, few insurer APIs |
| Custom core | EUR 35,000 to 45,000 | 3 months | Claims, field report, photos, scheduling |
| Custom standard | EUR 45,000 to 60,000 | 4 months | + policyholder portal, reminders, invoicing |
| Custom full | EUR 60,000 to 70,000 | 4 to 5 months | + APIs with 3 to 5 insurers, stats per client |
| Connector per insurer or exchange platform | EUR 4,000 to 8,000 | 3 to 4 weeks | Depends on API documentation |
| Maintenance and certified hosting if required | 15 to 20% of project per year | Ongoing | Sensitive personal data, GDPR |
Mini case study
Sophie runs a loss adjusting firm with 15 adjusters and 4,000 claims a year, billed at an average of EUR 480, i.e. EUR 1,920,000 in revenue. The prefilled report cuts writing time from 2 hours to 50 minutes, i.e. 4,000 × 1.17 h = 4,680 hours freed per year. Valued at EUR 60 per hour, that is EUR 280,800 of capacity, the equivalent of 585 extra claims without hiring. By invoicing 12 days earlier, she also frees about EUR 63,000 of cash (1,920,000 × 12 / 365). With a full project at EUR 65,000, payback comes in under 4 months.
FAQ
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How much does loss adjuster software cost?
EUR 35,000 to 70,000 for custom software depending on modules and connected insurers. Off-the-shelf software costs EUR 900 to 2,250 per month for 15 adjusters.
Can we connect to insurers' platforms?
Yes, when the insurer or its exchange platform publishes an API or a documented exchange format. Each connector costs EUR 4,000 to 8,000 and takes 3 to 4 weeks.
Can the report be written on site?
Yes, on a tablet, with a prefilled template, annotated photos, sketches and voice dictation, even offline. Adjusters review and approve the report the same day in 70% of cases.
How is policyholder data protected?
Regional hosting, encryption, role-based access and access logs, in line with GDPR. Firms handling health data (bodily injury) must use certified health data hosting.
How long does a full project take?
About 4 months, including 3 weeks of scoping with 2 or 3 lead adjusters and a 1-month pilot. Report time starts dropping from the second month of use.
Let's scope your project. Tell us your number of adjusters, claims and insurer clients: we price a scope between EUR 35,000 and 70,000 with a 4-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.
