Desktop Property Adjuster

MPJ Recruitment Ltd; Nottingham; On-site; GBP 27,000 - 33,000; Full time

Job summary

MPJ Recruitment Ltd is seeking an experienced Desktop Property Adjuster for an office-based role in Nottingham. The role involves managing a varied portfolio of domestic and/or commercial property claims from instruction to settlement, with a focus on thorough investigation and fair, timely decisions.

You will review policy wordings, assess coverage and quantum, and work closely with policyholders, brokers, surveyors and contractors to deliver accurate outcomes.

Qualifications

• Experience handling domestic and/or commercial property insurance claims.
• Ability to interpret policy wordings and exclusions to decide claims.
• Strong communication and negotiation skills.
• Well-organised with attention to detail.

Responsibilities

• Taking ownership of a portfolio of domestic and/or commercial property claims through to settlement.
• Investigating claims thoroughly to establish coverage, liability, causation and quantum.
• Assessing buildings, contents, alternative accommodation and other claim costs.
• Reviewing surveyor reports, contractor estimates, schedules of works and photos.
• Keeping customers informed with clear explanations of decisions and next steps.
• Negotiating settlements within delegated authority and client requirements.

Job description

Desktop Property Adjuster

Nottingham | Office-Based | Circa £30,000

Are you an experienced Desktop Property Adjuster or Property Claims Handler looking for your next career move?

We're working with an established insurance business that is looking for a confident and technically knowledgeable Property Claims Handler to join their Nottingham team.

This is a great opportunity for someone with experience across domestic and/or commercial property claims who enjoys investigating losses, making well-informed decisions and helping customers through the claims process.

The Role

• As a Desktop Property Adjuster, you'll take ownership of a varied caseload, managing claims from the initial instruction right through to resolution.
• You’ll investigate the circumstances of each claim, establish the extent of cover, assess the loss and ensure each claim is handled accurately, fairly and efficiently.

Your responsibilities will include:

• Taking ownership of a portfolio of domestic and/or commercial property claims through to settlement.
• Investigating claims thoroughly to establish coverage, liability, causation and quantum.
• Assessing different elements of a claim, including buildings, contents, alternative accommodation, mitigation, restoration, trace and access and professional fees.
• Reviewing surveyor reports, contractor estimates, schedules of works, photographs and other supporting evidence.
• Interpreting policy wordings, endorsements and exclusions to ensure accurate claim decisions are made.
• Working closely with policyholders, insurers, brokers, surveyors, contractors and restoration providers throughout the claims journey.
• Keeping customers informed and providing clear explanations around claim decisions and next steps.
• Negotiating appropriate settlements while working within delegated authority and client requirements.
• Recognising complex, high-value or potentially fraudulent claims and referring these for further investigation where necessary.
• Keeping detailed, accurate and up-to-date records across all claims.
• Ensuring all activity complies with FCA regulations, Consumer Duty and internal procedures.
• Supporting the wider team by sharing knowledge, identifying improvements and helping to maintain high standards of best practice.

What We're Looking For

We're looking for someone with:

• Previous experience handling domestic and/or commercial property insurance claims.
• A strong understanding of the property claims process from notification through to settlement.
• Experience assessing policy coverage, liability, causation, scope of loss and claim value.
• Knowledge of buildings, contents, alternative accommodation and other associated property claim costs.
• The ability to confidently assess technical reports, estimates, photographs and schedules of work.
• Experience working under delegated authority and making informed claim decisions.
• Previous experience within an FCA-regulated insurance environment.
• Strong communication and negotiation skills, with the ability to build positive relationships with a range of stakeholders.
• Excellent organisation and attention to detail, with the ability to manage a varied caseload effectively.

Desirable

• Experience dealing with complex, high-value or major loss property claims.
• Experience working across multiple insurer clients.
• Previous experience providing technical support, mentoring or guidance to colleagues.
• Cert CII, Cert CILA or another recognised insurance qualification, or currently working towards one.

What's On Offer?

• Salary circa £30,000
• Office-based role in Nottingham
• Join an established and growing insurance business.
• Work on a varied and interesting property claims caseload.
• Excellent opportunity to strengthen your technical claims experience and progress your insurance career.