Property Loss Adjuster - Commercial & Domestic

Property Loss Adjuster - Domestic & Commercial

Location: M4 Corridor(covering areas across the M4 corridor, with geographical coverage tailored around your location and experience)

Overview:

We are working with a well established UK loss adjusting business looking to strengthen its Property team across the M4 corridor.

They are looking to appoint experienced Property Loss Adjusters to manage a varied caseload of domestic and commercial claims, covering everything from straightforward property losses through to larger and more technically complex claims.

The role will involve managing claims from initial instruction through to settlement, carrying out site investigations, assessing damage, considering policy cover and working with policyholders, insurers, brokers, contractors and other specialists to achieve appropriate resolutions.

The portfolio will include a variety of insured perils such as fire, flood, escape of water, storm, impact, theft, malicious damage and other property related losses. There is also scope to develop your technical expertise, gain exposure to higher value claims and progress within the wider Property operation.

Role Responsibilities:

• Managing a portfolio of domestic and commercial Property claims from initial instruction through to settlement.
• Carrying out site visits across the M4 corridor to investigate losses and establish the appropriate claims strategy.
• Establishing the cause, circumstances and extent of damage and assessing the validity of claims.
• Reviewing policy wordings, schedules, endorsements and exclusions to establish indemnity and policy liability.
• Handling claims involving fire, flood, storm, escape of water, impact, theft, malicious damage and other insured perils.
• Assessing damage to buildings and contents, including alternative accommodation, loss of rent and business interruption where applicable.
• Preparing detailed reports for insurers and delegated authority clients, including recommendations on liability, quantum, reserves and claims strategy.
• Setting and reviewing reserves throughout the lifecycle of the claim.
• Agreeing scopes of repair and reviewing estimates, contractor proposals and cash settlement options.
• Instructing and managing engineers, surveyors, forensic specialists, restoration companies and contractors.
• Maintaining effective communication with policyholders, commercial clients, brokers, insurers and other stakeholders.
• Identifying potential recovery, contribution, subrogation and fraud concerns.
• Negotiating claims and settlements within delegated authority.
• Managing claims proactively and ensuring they progress within agreed service levels and timescales.

Experience:

• Previous experience working as a Property Loss Adjuster.
• Experience handling domestic and/or commercial Property claims.
• Good understanding of property insurance, policy cover, indemnity, liability, quantum and claims strategy.
• Experience managing a caseload independently and taking ownership of claims through to settlement.
• Confident carrying out site investigations and dealing directly with policyholders, insurers, contractors and professional representatives.
• Experience handling larger or more complex losses would be advantageous, particularly for more senior appointments.
• Strong communication and report writing skills, with the ability to explain technical matters clearly.
• CII and/or CILA qualifications are advantageous, with support available for further professional development.
• Full UK driving licence and willingness to travel throughout the allocated geographical area.

Career Development & Package:

This role offers an excellent opportunity to join an established Property operation with the flexibility to develop your technical expertise and build a varied portfolio of domestic and commercial claims.

There are opportunities to progress into Senior Loss Adjusting, High Net Worth, Commercial Property, Major and Complex Loss, Subsidence, technical specialist and management positions. For those who prefer to remain technically focused, there is also scope to develop experience handling increasingly complex and higher value losses.

The role offers a high degree of autonomy, with flexibility around diary management, site visits and caseload. The geographical area can be tailored around your location and experience to help keep travel practical and support a good work life balance.

Alongside a competitive remuneration package, the business offers ongoing technical development and support towards professional qualifications.

Applications:

For further information or to be considered for the position, please apply via the Apply button on Reed or contact me directly via LinkedIn, email or telephone.