Loss Adjuster

Policy Expert Claims; Birmingham; On-site; GBP 45,000 - 55,000; Full time

Benefits offered by this job

25 days Annual leave

Discretionary bonus

Car allowance

Life insurance

Job summary

Policy Expert Claims is seeking an experienced Field Adjuster to join our growing team in the United Kingdom. You will assess buildings and contents claims, validate estimates, and provide technical guidance on policy coverage, while conducting site visits and coordinating with contractors to ensure efficient progression of claims.

The role requires strong building pathology knowledge, experience in loss adjusting, and the ability to balance technical insight with excellent customer service.

Qualifications

• Experience in property claims handling or loss adjusting (3+ years ideally).
• Ability to interpret policy wordings and make evidence-based decisions.
• Strong communication and analytical skills with attention to detail.

Responsibilities

• Assess buildings and contents claims for validity and settlement value.
• Conduct site inspections and attend policyholder properties when required.
• Review surveyor reports and contractor estimates using Xactware and other systems.
• Validate contents loss lists, applying depreciation, wear and tear, and policy terms.
• Assess subsidence claims and review expert reports to determine remediation.
• Produce accurate reports and scopes of work within delegated authority limits.
• Liaise with contractors, surveyors, and the Trinity Supplier Network to progress claims efficiently.
• Explain claim decisions and settlements clearly to policyholders.
• Support handling of Financial Ombudsman Service complaints through technical reporting.
• Identify potential fraud indicators and escalate concerns as needed.
• Audit surveyor and contractor performance to minimise claim leakage.

Skills

Property claims handling

Loss adjusting

Communication skills

Education

CILA or CII qualification

Tools

Xactware

Job description

About Us

Policy Expert Claims delivers a dedicated, end-to-end claims management service. Combining cutting-edge proprietary technology with the highest standards of customer care, we provide seamless support from the very first point of contact through to final resolution, ensuring customers feel supported every step of the way. Our team of experts have earned the trust and confidence of thousands of customers by consistently delivering results. With a 4.5-star Trustpilot rating, we’re proud to be recognised for our commitment, expertise, and determination to go above and beyond when it matters most.

About Us

Policy Expert Claims delivers a dedicated, end-to-end claims management service. Combining cutting-edge proprietary technology with the highest standards of customer care, we provide seamless support from the very first point of contact through to final resolution, ensuring customers feel supported every step of the way. Our team of experts have earned the trust and confidence of thousands of customers by consistently delivering results. With a 4.5-star Trustpilot rating, we’re proud to be recognised for our commitment, expertise, and determination to go above and beyond when it matters most.

Useful Links

Trustpilot ¦ Glassdoor

About the role

We are looking for an experienced Field Adjuster to join our growing team. This is an exciting opportunity for a technically skilled claims professional with experience in buildings and contents insurance claims to play a key role in delivering fair, accurate, and customer-focused outcomes.

Working across a varied portfolio of claims, you will assess property damage, validate contractor estimates, review surveyor reports, and provide technical guidance on policy coverage. You will also conduct site visits, manage claims within delegated authority limits, and work closely with contractors, suppliers, and policyholders to ensure claims are progressed efficiently and in line with regulatory and company standards.

This role would suit someone with a strong understanding of building pathology, reinstatement works, and insurance policy interpretation who enjoys balancing technical expertise with excellent customer service.

Key Responsibilities

• Assess buildings and contents insurance claims for validity and settlement value.
• Conduct site inspections and attend policyholder properties when required.
• Review surveyor reports, contractor estimates, and customer invoices using Xactware and other relevant systems.
• Validate contents loss lists, applying depreciation, wear and tear, and policy terms.
• Assess subsidence claims and review expert reports to determine appropriate remediation.
• Produce accurate reports and scopes of work within delegated authority limits.
• Liaise with contractors, surveyors, and the Trinity Supplier Network to progress claims efficiently.
• Provide clear explanations to policyholders regarding claim decisions, settlements, and policy limitations.
• Support the handling of Financial Ombudsman Service (FOS) complaints through technical reporting.
• Identify potential fraud indicators and elevate concerns where appropriate.
• Audit surveyor and contractor performance to ensure quality and minimise claim leakage.
• Ensure all claims are handled in line with FCA requirements, internal governance, and agreed service levels.

Key Requirements

• Proven experience in property claims handling or loss adjusting. (3+ years ideally)
• CILA or CII qualification is a mandatory requirement for this position. Applicants must be qualified through either the Chartered Institute of Loss Adjusters (CILA) or the Chartered Insurance Institute (CII).
• Strong technical knowledge of building pathology, repair methodologies, and reinstatement processes.
• Experience handling both buildings and contents insurance claims.
• Ability to interpret and apply insurance policy wordings and make evidence-based decisions.
• Experience using digital claims systems and estimating tools, such as Xactware.
• Excellent communication and customer service skills, with the ability to explain technical matters clearly.
• Strong analytical and organisational skills with excellent attention to detail.
• Ability to manage a field-based workload, including site visits and customer meetings.
• Confidence dealing with challenging or sensitive customer situations.

In return, we can offer you

Basic Salary of circa £50,000 (DOE), as well as market leading benefits.

• 25 days Annual leave plus statutory holidays
• Discretionary performance related bonus
• Car allowance

Just some of the great benefits we offer

• Life insurance cover
• Enhanced company pension scheme
• Employee of the month & employee of the year awards
• Refer a Friend scheme
• An extra day’s holiday for your birthday
• Paid volunteering/charity day a year

Application deadline: this position will remain open until we have found the right person for the job.

We kindly request that no agencies contact us regarding this position. Speculative CVs will not be accepted.

Policy Expert Claims is an equal opportunities employer, and we positively encourage applications from suitably qualified and eligible candidates regardless of your gender, age, race, disability, ethnic background, religion or belief, sexual orientation, gender reassignment, marital status, or pregnancy and maternity.