Insurance in India runs on surveys. When a claim comes in—a car accident, a flooded basement, a health emergency—a surveyor physically visits the site, inspects the damage, documents it with photos and reports, and submits the assessment back to the insurer. The turnaround used to be 5–10 days. One of our clients at Xenotix Labs ( https://www.xenotixlabs.com ) wanted to get it to under 24 hours. The result was ClaimsMitra—a mobile + web platform connecting insurers, surveyors, hospitals, garages, and claimants on one pipeline. We shipped 114+ REST APIs across 8 microservices, MySQL for core state, and a Flutter app that works offline for field surveyors in patchy network areas. The domain complexity Insurance is not one workflow. It's dozens. Motor claims flow differently from health claims from property claims from marine. Each has its own document requirements, approval hierarchies, fraud checks, and settlement paths. The first architectural decision was to avoid the "one giant workflow engine" trap.…