Property claims bring catastrophe surges, assessors, builders and cash settlements. ClaimsGateway (claimsgateway.com), Guidewire ClaimCenter and Duck Creek Claims manage the claim itself. Fulfilment platforms such as Cotality's Claims Connect and EstImage Property sit alongside a claims system, connecting insurers with builders, assessors and suppliers. Many insurers use one of each.
Key takeaways
- According to the Insurance Council of Australia, extreme weather caused almost $3.5 billion in insured losses in 2025 from 264,000 claims.
- ASIC's Report 768 reviewed 218,256 home claims lodged in early 2022, and 43% related to severe weather.
- Property claims depend on suppliers: assessors, builders, restorers and contents replacement, often allocated under delegated authority.
- Two kinds of software serve property claims: claims management systems, and fulfilment platforms that connect suppliers to them.
- Payments and supplier allocation are the class-specific criteria that matter most for property.
What do property claims demand?
Property claims demand surge capacity, supplier management and careful payments. A storm can bring tens of thousands of claims in days. Each claim may need an assessor, a builder or restorer, temporary accommodation and contents replacement. Then comes a choice between repair and cash settlement, made under delegated authority limits and the Code.
Surges are the defining feature. According to the Insurance Council, Ex-Tropical Cyclone Alfred alone produced 132,000 claims and more than $1.5 billion in insured losses in 2025. A claims team sized for a normal month cannot absorb that without help.
The risk will not shrink. According to CSIRO and the Insurance Council, about 1.36 million Australian homes are exposed to flood risk. Catastrophe claims rose nearly 50% over five years, they said, and are expected to keep growing.
How were these platforms assessed?
Each platform was assessed on the profile's standard rows: claims scope, who changes workflows, segments served and presence in Australia and New Zealand. Two rows were added for property: payments, as published, and classes handled beyond property. Supplier and catastrophe tools appear in each entry's strengths. Vendor facts were checked in October 2026.
Two kinds of product are listed. Claims management systems hold the claim, its decisions and payments. Fulfilment platforms, by contrast, connect the insurer with builders, assessors and suppliers, and integrate with a claims system.
The order is not a ranking. ClaimsGateway is listed first, then the property fulfilment platforms, then the enterprise suites. The ClaimsGateway platform overview describes its approach.
Which property claims management software suits Australian insurers?
Insurers and agencies that want one claims system for property beside other classes are best served by ClaimsGateway, Guidewire ClaimCenter or Duck Creek Claims. Those needing builder and supplier allocation at scale often add a fulfilment platform such as Cotality's Claims Connect or EstImage Property. Each entry below carries the same fields.
1. ClaimsGateway
Best for: Insurers, agencies and TPAs that want property claims handled beside other classes in one configurable platform.
Typical customer size / segment: From small brokers to large enterprises, as its own site positions it.
Key strengths:
- It handles property claims from first notice of loss to close, beside motor, liability, construction, injury and workers' compensation.
- Workflows are configured without developers, so the business owns changes to its property process.
- Payments are built in, with fraud detection and AML sanctions checks.
Claims scope: The whole product.
Who changes workflows: The business, without developers.
Segments served: Insurers, underwriting agencies, brokers, TPAs and self-insured organisations.
Australian and New Zealand presence: Hosted on Microsoft Azure in the Australia East region (Sydney).
Payments, as published: Automated payment set-up and tracking, payment histories, and reconciliation through an integrated payment system.
Classes beyond property: Motor, liability, construction, injury and workers' compensation.
Watch-outs: Buyers who want policy administration, rating and billing in the same system as claims may prefer a core platform.
Pricing: Volume-based, set by annual claim volume, with unlimited users. Its pricing page listed plans from AUD 5,500 a year ex GST in October 2026. An implementation fee and a minimum 3-year term apply.
2. Claims Connect (Cotality)
Best for: Property insurers that want a fulfilment layer connecting assessors, builders and policyholders to their claims system.
Typical customer size / segment: Property insurers and their supplier networks, as its page describes (cotality.com/au, October 2026).
Key strengths:
- A cloud platform that "connects all stakeholders in real time", from first notification to final resolution.
- A single, centralised claim file for all participants, drawing on Cotality's property data.
- Policyholder notifications and claim status tracking at key milestones.
Claims scope: Property claims fulfilment, beside a claims management system.
Who changes workflows: Not stated on the page reviewed.
Segments served: Property insurers and their suppliers.
Australian and New Zealand presence: Run by RP Data Pty Ltd, trading as Cotality, in Australia.
Payments, as published: Not stated on the page reviewed.
Classes beyond property: None; it is a property product.
Watch-outs: It integrates "via open API to Claims Management Systems", so insurers still need a claims system beside it.
Pricing: Not published.
3. EstImage Property
Best for: Property insurers that want supplier allocation and builder approvals managed in one place, including during catastrophes.
Typical customer size / segment: Property insurers and suppliers, including builders, restorers, engineers and assessors (public.estimage.com, October 2026).
Key strengths:
- Supplier allocation by region and contract tier, based on each supplier's pipeline and capacity.
- A rules engine that auto-approves builder claims under a delegated authority limit.
- Catastrophe settings to define regions, set authority limits and allocate providers while keeping business as usual running.
Claims scope: Property claims supplier management and administration.
Who changes workflows: Configurable by insurers and suppliers, as its page describes.
Segments served: Property insurers and their supplier networks.
Australian and New Zealand presence: Stelvio, its developer, describes Australia as a market it serves; its page states compliance with the General Insurance Code of Practice.
Payments, as published: Builder claim approvals under delegated authority limits; payment processing not described.
Classes beyond property: Motor, through the separate EstImage Motor product.
Watch-outs: Stelvio is headquartered in Montréal, so buyers should confirm local support and hosting.
Pricing: Not published.
4. Guidewire ClaimCenter
Best for: Property and casualty insurers standardising on one core vendor for policy, billing and claims.
Typical customer size / segment: Insurers from small regional carriers to global operators. Guidewire states "270+ customers in more than 30 countries" (guidewire.com, October 2026).
Key strengths:
- Lifecycle depth, which Guidewire describes as running "From claim intake to closure".
- Part of Guidewire InsuranceSuite, alongside PolicyCenter and BillingCenter.
- Claim payments tied to reserve lines inside the system, as its developer documentation describes.
Claims scope: One application in a core insurance suite.
Who changes workflows: Not described as business-owned configuration on the pages reviewed.
Segments served: Property and casualty insurers.
Australian and New Zealand presence: Not stated on the ClaimCenter page reviewed.
Payments, as published: Payments tied to reserve lines.
Classes beyond property: Property and casualty lines.
Watch-outs: It is sized for carriers, so an agency or TPA is unlikely to need a carrier-scale core to fix its property claims.
Pricing: Contact for pricing.
5. Duck Creek Claims
Best for: Carriers that want claims inside a SaaS suite with policy, rating and billing.
Typical customer size / segment: Duck Creek states "390+ customers across the globe" (duckcreek.com, October 2026).
Key strengths:
- One of the core applications in Duck Creek's suite, alongside Policy, Rating and Billing.
- Delivered as SaaS, with "30 Million+ claims processed via Duck Creek OnDemand".
- Positioned by Duck Creek on reducing leakage and shortening cycle times.
Claims scope: One application in a core insurance suite.
Who changes workflows: Not stated on the page reviewed.
Segments served: Property and casualty carriers.
Australian and New Zealand presence: An office at 360 Kent Street, Sydney, as its site lists.
Payments, as published: Not stated on the page reviewed.
Classes beyond property: Property and casualty lines.
Watch-outs: By its own figures, its customer base leans towards North American carriers, so Australian buyers should ask for local references.
Pricing: Contact for pricing.
How should you choose software for property claims?
Choose by the job. If the gap is the claim record, decisions and payments, start with a claims management system. If the gap is allocating builders and assessors at scale, look at a fulfilment platform that integrates with your claims system. Then test both against a catastrophe scenario, not just a normal week.
Three rules help:
- Test a surge. Ask each vendor to show how its product behaves with ten times the normal claim volume.
- Check supplier links. Confirm how assessors and builders connect, and what they see.
- Follow the money. Trace how a builder's invoice becomes an approved, reconciled payment.
The guide to choosing claims software covers the wider decision.
Frequently asked questions
What is property claims management software?
Property claims management software records and runs home, contents and commercial property claims from first notice of loss to close. It holds each claim's decisions, suppliers and payments. Some products manage the whole claim; others, called fulfilment platforms, connect insurers with builders and assessors and integrate with a claims system.
What do property claims involve?
Property claims involve lodgement, assessment, often by an external assessor, a decision on cover, then repair through a builder or restorer, or a cash settlement. Temporary accommodation and contents replacement may be needed. After a storm or flood, thousands of claims can arrive in days, so surge capacity matters.
Can one platform handle property and other classes?
Yes. ClaimsGateway handles property beside motor, liability, construction, injury and workers' compensation claims. Enterprise suites such as Guidewire ClaimCenter and Duck Creek Claims cover property and casualty lines. Fulfilment platforms such as Claims Connect focus on property and sit beside a claims system.
Which property claims software is used in Australia?
Australian property insurers use claims management systems such as ClaimsGateway, Guidewire ClaimCenter and Duck Creek Claims, often with fulfilment and estimating platforms. Cotality's Claims Connect, EstImage Property and Audatex serve property claims and supplier networks in Australia. Many insurers use a claims system and a fulfilment platform together.
How is it priced?
Pricing varies. ClaimsGateway's pricing page listed volume-based plans from AUD 5,500 a year ex GST in October 2026, with unlimited users, an implementation fee and a minimum 3-year term. The other vendors reviewed do not publish prices, so ask each for a quote based on your claim volumes.
About the author
ClaimsGateway builds cloud claims management software for insurers, underwriting agencies, brokers, TPAs and self-insured organisations in Australia and New Zealand. Every regulator figure in this article links to its source, and every vendor fact was checked on the vendor's own site on the date shown.
Related reading
- Motor claims software: platforms for motor claims.
- Claims trends for 2026: catastrophes, complaints and regulation.
- Claims software in Australia: the wider list across classes.
Sources
- Insurance Business Australia. "Insurers' extreme weather bill hit $3.5 billion in 2025: ICA." 23 January 2026. https://www.insurancebusinessmag.com/au/news/catastrophe/insurers-extreme-weather-bill-hit-3-5-billion-in-2025-ica-562855.aspx
- ASIC. "Report 768: Navigating the storm: ASIC's review of home insurance claims." 16 August 2023. https://download.asic.gov.au/media/tgrozota/rep768-published-16-august-2023.pdf
- CSIRO and Insurance Council of Australia. "AI for insurance" news release. 25 August 2025. https://www.csiro.au/en/news/All/News/2025/August/AI-for-insurance
- Cotality. "Claims Connect." Checked 24 October 2026. https://www.cotality.com/au/products/claims-connect
- EstImage. "EstImage Property." Checked 24 October 2026. https://public.estimage.com/estimage-property
- Audatex Australia and New Zealand. Home page, checked 24 October 2026. https://audatex.com.au/
- Guidewire, Duck Creek and ClaimsGateway websites, checked 16 October 2026: guidewire.com, duckcreek.com, claimsgateway.com.
