Insurance Platform Ecosystem

The Challenge

Property Claim Consulting had a vision for modernizing the public adjusting industry. Homeowners dealing with insurance damage from fires, storms, or other disasters had no streamlined way to submit claims, track progress, or communicate with their public adjusters. Adjusters themselves were managing cases manually. Beyond claims, displaced homeowners needed temporary housing, and aspiring public adjusters and realtors had no accessible path to training and certification.

The founder had a clear picture of an interconnected ecosystem but no technical team to build it.

Modern Softworks was originally engaged for a marketing site redesign. The quality of that delivery led directly to the full platform engagement.

Our Approach

Phase 1: ClaimBot MVP (Months 1-3)

ClaimBot was the core of the ecosystem. An all-in-one public adjusting platform where homeowners could submit insurance damage claims, upload photos, and track claim progress in real time. Public adjusters had their own workflow to manage cases and fight for higher payouts on behalf of claimants.

The platform integrated third-party satellite imagery and 3D home walkthrough APIs through partnerships, giving adjusters professional-grade documentation without leaving the platform. Full Stripe billing handled payments across the system.

Designed in Figma from the ground up, built on React with Node.js.

Phase 2: Khozy Rental Marketplace (Months 4-7)

Khozy was a purpose-built short-term rental marketplace for displaced homeowners. When a home was uninhabitable due to damage, Khozy matched the homeowner with available rental properties for six months to a year. Insurance companies paid property owners directly at a premium rate higher than standard short-term rental income.

This wasn't a standalone consumer marketplace. It was built as a service layer within the ClaimBot ecosystem, connecting the claims process directly to the housing solution.

Phase 3: Learn Public Adjusting LMS (Months 8-10)

A subscription-based learning management system with Stripe billing, hosted video courses, progress tracking, quizzes, and certification badges. Training tracks covered both public adjusting licensure and real estate preparation.

This became the most immediately successful product in the ecosystem, with paying subscribers generating recurring revenue from launch.

Accessibility Throughout

Every application was built with WCAG 2.1 AA compliance from the start. Screen reader experiences were custom designed for each workflow. Keyboard navigation was fully implemented across all three platforms. Claims submission, rental browsing, course progress, quiz completion. All of it works for everyone, regardless of how they interact with the screen.

This wasn't a separate phase or an add-on. It was just how the applications were built.

Results

• 3 interconnected applications designed, built, and launched by a single developer in under 12 months
• ClaimBot MVP delivered in 3 months with claims processing, image uploads, satellite imagery, and 3D walkthrough integrations
• Khozy rental listings filled for displaced homeowners, paid directly by insurance companies at premium rates
• Learn Public Adjusting launched with paying subscribers and recurring Stripe billing from day one
• Full Stripe integration across the entire ecosystem handling subscriptions, marketplace payouts, and claims billing
• WCAG 2.1 AA compliant across all three applications with custom accessibility experiences per workflow
• Marketing site turned platform. The original engagement was a website redesign. The quality of that delivery led to a year-long platform build.

Key Takeaway

This project started as a marketing site. It turned into a three-application ecosystem because the first delivery was good enough to earn the next one. And the next one. And the next one.

That's the pattern we see over and over. Do the work well. Be honest about what's possible. Build something that actually works for the people using it. The rest follows.

"What started as a marketing site turned into an entire platform ecosystem. One developer built our claims system, rental marketplace, and training academy from scratch in under a year. The speed and quality were unreal. We never needed to look elsewhere."

Matt Daniels, Founder, Property Claim Consulting