Desktop Loss Adjuster

Clear Destination Inc.; Liverpool; Hybrid; GBP 36,000 - 40,000; Full time

Benefits offered by this job

35 days’ holiday

Mental health support

Grow with us: career development

Flexible benefits

Hybrid working

Job summary

Acorn Insurance in Liverpool is seeking an experienced Desktop Loss Adjuster to join our Household Claims team in a hybrid, fast-paced environment. You will guide customers through complex claims from notification to settlement, applying policy wordings with empathy and technical precision.

The role emphasizes accurate reserves, collaboration with contractor networks, and delivering outcomes that align with underwriting intent. This is a people-focused, supportive team role in a growing business.

Qualifications

• Minimum of 2 years’ Desktop Loss Adjusting experience.
• Strong understanding of Buildings and Contents claims across all perils.
• Desirable: Cert CII and/or BDMA accreditation.

Responsibilities

• Manage a portfolio of household claims from first notification through to settlement.
• Interpret policy wordings to determine coverage and liability.
• Produce technical reports outlining findings and settlement recommendations.
• Deliver high standard of customer service with empathy.
• Maintain accurate reserves in line with reserving philosophy.
• Identify potentially fraudulent claims and escalate when needed.
• Provide technical guidance to the wider claims team.
• Operate in a fast-paced environment meeting service levels.

Skills

Desktop Loss Adjusting

Household claims handling

Claims case management systems

Communication skills

Organisational skills

Analytical mindset

Customer-focused

Fast-paced environment

Education

Cert CII

BDMA accreditation

Tools

Claims case management systems

Job description

Our Household Claims department is continuing to grow, and we are looking for an experienced Desktop Loss Adjuster to join our expanding team.

This is an excellent opportunity for a skilled claim professional to work in a hybrid, fast-paced and supportive environment, playing a key role in delivering great outcomes for our customers.

You will act as a trusted point of contact for customers during some of their most challenging moments, guiding them through complex claims that have disrupted their lives. This role requires a balance of strong technical expertise and empathy, as you manage claims end-to-end, meet key performance targets, and contribute to building a strong, positive team culture.

Role: Household Desktop Loss Adjuster

Location: Liverpool / Hybrid

Working hours: Monday to Friday, 37.5 hours, 9:00am - 5:30pm

Salary: £36,000 - £40,000 DOE, discretionary annual bonus, paid monthly

What you will be doing:

• Manage a portfolio of household claims (including complex and high-value cases) from first notification through to settlement and conclusion
• Interpret policy wordings, exclusions and endorsements to determine coverage and liability in line with underwriting intent
• Deliver fair, accurate and timely claim decisions, supported by clear, evidence-based rationale
• Produce detailed Schedules of Works, ensuring repair scopes are accurate, cost-effective and reflect the true extent of loss
• Assess cause of damage reports, schedules of works and quantum reports produced by third-party experts (e.g. surveyors, engineers, loss adjusters and contractors)
• Draft clear, detailed technical reports outlining findings and settlement recommendations, including escalation of large or complex losses where appropriate
• Deliver a high standard of customer service, ensuring clear communication, empathy, and proactive management of customer and third-party expectations throughout the claims journey
• Apply and maintain accurate reserves in line with company reserving philosophy
• Identify, investigate and elevate potentially fraudulent claims
• Provide technical guidance to the wider claims team
• Operate effectively in a fast-paced environment, meeting service levels, performance targets, and maintaining strong file and portfolio management
• Maintain up-to-date knowledge of regulatory, legislative and industry developments, sharing insights and supporting continuous improvement
• Contribute to the development of technical guidance, training materials, and overall team capability
• Ensure adherence to best practice, company strategies and governance standards

What we’re looking for:

• A collaborative team player who thrives in a culture of openness, trust and respect
• Proven experience in household claims handling and desktop loss adjusting, with a strong understanding of both Buildings and Contents claims across all perils.
• Demonstrable experience handling claims involving contractor/building repair networks and loss adjusters
• Strong technical knowledge with the ability to manage complex cases
• Proficiency in claims case management systems
• Ability to perform effectively in a fast-paced, high-volume environment
• Excellent written and verbal communication skills, with the ability to engage customers confidently and demonstrate empathy
• Strong organisational skills, with the ability to prioritise workload and manage competing demands under pressure
• Analytical mindset with the ability to investigate, fact-find, and make accurate, evidence-based decisions
• Customer-focused approach with the resilience and judgement to deliver fair outcomes
• Essential: Minimum of 2 years’ Desktop Loss Adjusting experience
• Desirable: Cert CII and/or BDMA accreditation (or working towards)

Grow with Acorn

At Acorn Insurance, we’re proud of our Liverpool roots — and even prouder of how far we’ve come. As part of the Acorn Group, we bring over 40 years of specialist insurance expertise to the table. From humble beginnings, we’ve grown into a national leader, now employing 1,700+ people across the UK and reached a milestone £750 million in total value of insurance policies written in 2024.

We’re growing fast, with new opportunities emerging every week. That growth is largely due to the values we share:

• We run through walls for our customers and each other
• We challenge the status quo
• We succeed when we help those around us succeed
• We decide quickly when the smart thing to do is use our judgement

Benefits:

• 35 days’ holiday (including bank holidays) with additional buy/sell options
• 24/7 mental health support & free counselling available
• Grow with us: Through career fairs, leadership programs, and learning on the go!
• Flexible benefits, including early access to salary via our internal platform
• Hybrid working options to support work-life balance and individual needs
• Recognition awards, social events & more

If you’re looking for a company with a strong culture, real career progression, and a people-first approach — all rooted in the heart of Liverpool — Grow with Acorn.

A Few Things to Know Before You Apply

We’re really excited that you’re considering joining Acorn! To help everything go smoothly, here are a couple of things to keep in mind:

If your application is successful, we will commence relevant employment checks prior to you commencing employment with us. These will include a standard criminal record check and an insolvency register check.

Visa Requirements
Because our training is quite comprehensive, we can only consider applicants who haveat least one year remainingon their Graduate or Post-Study Work visa. At the moment, we’re not able to offer visa sponsorship.

We’re Here to Support You
We’re committed to creating an inclusive, supportive workplace where everyone can flourish. If you need any adjustments during the recruitment process—or once you’re part of the team—just let us know. Whether it’s flexible hours, adapted equipment, or a bit of extra support, we’ll work with you to make sure you can do your best work.

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