Desktop Claims Adjuster

Homeprotect Home Insurance; Sheffield; On-site; GBP 23,000 - 28,000; Full time

Benefits offered by this job

Private healthcare (BUPA)

Employee Assistance Programme

Wellbeing centre and resources

Annual flu jabs and eye care voucher

Discretionary bonus up to 30% of base

Life insurance 4× salary

Pension with Aegon

Staff discount on Homeprotect policies

Staff referral bonus

25 days annual leave + bank holidays

Flexible working

Job summary

Homeprotect is seeking a Desktop Claims Adjuster to join our UK Home Claims team. You will manage a portfolio of complex home claims from notification through to final settlement, applying our claims philosophy and delivering high-quality outcomes with an emphasis on customer satisfaction.

The role offers autonomy, strong collaboration across stakeholders, and the opportunity to work within a regulated insurer environment. We support flexible working while requiring weekly office presence.

Qualifications

• Proven experience managing and settling home insurance claims, typically up to £25,000.
• Desktop adjusting/assessing/scoping experience is essential.
• Strong investigation, negotiation, and decision-making skills.

Responsibilities

• Manage a varied caseload of home insurance claims from cradle to grave, ensuring timely and accurate resolution.
• Investigate claims thoroughly, gathering relevant information to establish cause, extent of damage and valuation.
• Evaluate policy coverage to determine indemnity and apply terms and conditions.
• Assess damages and losses, coordinating with contractors and suppliers as needed.
• Scope works remotely, validate estimates and determine appropriate repair solutions.
• Negotiate fair settlements and maintain clear claim records throughout the lifecycle.

Skills

Claims handling

Investigation

Negotiation

Customer service

Analytical thinking

Caseload management

Education

Cert CII

Cert CILA

BDMA

Job description

Cover for Almost every Home

We founded Homeprotect on a simple principle - to provide protection to people underserved by the home insurance industry. Since 2002, we've been combining smart technology with real human expertise to protect hundreds of thousands of unique homes across the UK, and we're just getting started.

About Homeprotect

Cover for Almost every Home

We founded Homeprotect on a simple principle - to provide protection to people underserved by the home insurer industry. Since 2002, we've been combining smart technology with real human expertise to protect hundreds of thousands of unique homes across the UK, and we're just getting started.

If you're someone who loves solving interesting problems, taking ownership and working with a team that aims high, speaks up and lifts each other, Homeprotect is a place where you can do meaningful work, grow your career and make a real difference for our customers.

What It's Like To Work Here

Our customers come from all walks of life and so do our people. We're a small but perfectly formed team of insurance specialists, technologists, data scientists and customer champions - all bringing individual expertise, an appetite for innovation and a shared ambition to protect the homes and things people love.

We work at pace, but we trust our people to work in a way that brings out their best. You'll collaborate closely across teams, have real ownership from day one and see the impact you have first-hand with flexible working to help you balance the needs of your role with the rhythm of your life.

We've been recognised as a Great Place to Work UK for seven consecutive years - most recently ranked 29th nationally, jumping 71 places in a single year.

ROLE PURPOSE

Reporting to the Home Claims Team Manager, you will work alongside a dedicated team of Claims Handlers, playing a vital role in ensuring customer claims are handled fairly, efficiently, and in line with company standards.

As a Desktop Claims Adjuster, you will manage and resolve a portfolio of complex home claims, taking full ownership from notification through to final settlement. You will deliver against the company’s claims philosophy by proactively managing your caseload end-to-end, ensuring a seamless customer journey and consistently high-quality outcomes.

Key Responsibilities

• Manage a varied caseload of home insurance claims from cradle to grave, ensuring timely and accurate resolution
• Investigate claims thoroughly, gathering all relevant information to establish cause, extent of damage/loss, and valuation
• Evaluate policy coverage to determine indemnity, applying policy terms and conditions appropriately
• Assess damages and losses, including working with contractors and suppliers or utilising desktop scoping to determine reinstatement costs
• Demonstrate the ability to scope works remotely, validating estimates and ensuring appropriate repair solutions
• Negotiate fair and proportionate settlements with customers, contractors, and suppliers
• Maintain accurate and up-to-date claim records, ensuring all actions and decisions are clearly documented
• Proactively manage the claims process end-to-end, ensuring efficiency, control, and positive outcomes
• Communicate effectively with all stakeholders throughout the claim lifecycle, providing clarity and regular updates
• Deliver consistently high levels of customer service, ensuring confidence, satisfaction, and transparency throughout the claim journey
• Handle claims with increasing authority limits, building towards handling authority up to £100,000
• Clear understanding of scoping and supplier management
• Operate with a high level of autonomy, managing both the technical and customer aspects of the role independently
• Make sound, evidence-based claim decisions in line with company guidelines and regulatory expectations
• Apply strong analytical and problem-solving skills to assess complex scenarios
• Build strong relationships with customers, suppliers, and internal stakeholders
• Demonstrate excellent communication skills when dealing with sensitive or challenging situations
• Ensure all interactions reflect professionalism, empathy, and a customer-first approach

KNOWLEDGE, SKILLS & EXPERIENCE

• Proven experience managing and settling home insurance claims, typically up to £25,000, with some exposure to claims above this level
• Desktop adjusting/assessing/scoping experience is essential
• Strong investigation, negotiation, and decision-making skills
• Excellent interpersonal and customer service skills, with the ability to handle difficult conversations confidently
• Good planning, organisational, and analytical capability
• Flexible and effective communication style, adapting to a range of stakeholders and scenarios
• Ability to manage a caseload independently while maintaining quality and service standards
• Industry qualifications such as Cert CII, Cert CILA, or BDMA (desirable)

BENEFITS

• We want you to feel rewarded, supported and set up to thrive throughout your career with us.
• Learning and Growth: We invest in your development through structured learning, mentoring, buddying, on-the-job experience and cross-functional projects. We support role-relevant professional qualifications where they'll make the biggest difference, and our Lunch and Learn sessions to help you stay connected to what’s going on right across the business.
• Health and Wellbeing: Your wellbeing matters here. We offer private healthcare through BUPA, an Employee Assistance Programme covering legal, financial and counselling support for you, a Wellbeing Centre with online tools and resources, regular wellbeing seminars and workshops, annual flu jabs and an annual eye care voucher.
• Financial Security and Reward: We offer an annual discretionary bonus scheme upto 30% of your base pay, life insurance at four times your salary, and a pension with Aegon. You'll also receive a significant discount on Homeprotect home insurance - with a friends and family discount too, and a staff referral bonus when someone you recommend joins the team.
• Time Off: 25 days' annual leave plus bank holidays, with the option to buy or sell up to five additional days each year.
• Genuine Flexible Working: We trust our people to work in a way that best suits them - with flexible working to balance the needs of your role with the rhythm of your life. We ask that everyone comes into the office at least once a week, as we believe in‑person connection is important for collaboration, culture and building great relationships. You'll receive a homeworking starter kit from day one and can claim towards additional home office equipment within your first six months.
• Purpose and Community: We care about more than just the work. Through our charity partnership with Refuge, the UK's largest specialist domestic abuse charity and regular social, wellbeing and charitable events throughout the year, there are plenty of ways to connect, give back and feel part of something bigger.

UNIQUE AS STANDARD

We're proud to be an equal opportunity employer and actively encourage applications from all backgrounds. We believe in celebrating difference - everything that makes both our customers and our people unique. We consider visa sponsorship on a case by case basis for the right candidate, so please don't let that stop you from applying.

We encourage you to let us know if you need any extra help with your application or have any requirements at any stage of the recruitment journey, we want the process to work for you.

Your data will be maintained in line with our recruitment data privacy policy.

Regulatory Responsibilities

As an FCA regulated insurer, doing the right thing isn't a compliance requirement - it's simply how we work. All colleagues are expected to uphold the FCA Individual Conduct Rules (1–6) and act with integrity, due skill and care, openness with regulators and a genuine commitment to delivering good outcomes for our customers.

You'll work within approved processes and authority limits, keep accurate and auditable records, protect data under UK GDPR and our information security policies, elevate risks and exceptions promptly, report incidents, breaches and any financial crime or sanctions concerns (including via whistleblowing), support vulnerable customers with reasonable adjustments, and complete all mandatory training to maintain competence.

If the role falls within SM&CR, a supplementary document outlining the key regulatory responsibilities will be provided.