Senior Major Loss Adjuster – High-Value Home Claims

Policy Expert Claims; Birmingham; On-site; GBP 60,000 - 65,000; Full time

Benefits offered by this job

Salary up to £60-65k plus car

25 days annual leave

Discretionary bonus

Life insurance

Enhanced pension

Employee of the month/year awards

Refer a Friend scheme

Birthday day off

Volunteer day

Job summary

Policy Expert Claims is seeking an experienced Domestic Major Loss Adjuster or Surveyor to join our Major Loss team, handling complex household claims over £100,000. You will own every stage of a claim from initial assessment through to final settlement, including buildings, contents and any required alternative accommodation.

We value strong technical expertise in loss adjusting, building pathology and reinstatement, plus a proven track record of major or complex claims.

Qualifications

• 5+ years experience in household property claims handling or loss adjusting, including complex or high‑value claims.
• Formal industry qualifications; Chartered status preferred (ACILA/ACII/DIP CILA, AssocRICS/MRICS/MCIOB).
• Strong technical knowledge of building pathology, reinstatement and major/complex household claims.
• Experience using digital claims systems and estimating tools such as Xactware.

Responsibilities

• Manage a caseload of major and complex household claims valued at £100,000+, from first notification through to settlement.
• Conduct site visits and surveys to assess damage and validate estimates.
• Determine liability, coverage and indemnity based on policy wordings.
• Negotiate settlements with policyholders and representatives.
• Arrange appropriate alternative accommodation and maintain reserves for each claim.
• Provide clear communication to customers and mentor junior colleagues.

Skills

Household claims handling

Loss adjusting

Site inspections

Claim negotiation

Site visits

Education

ACILA/ACII/DIP CILA

AssocRICS/MRICS/MCIOB

Chartered status

Tools

Xactware

Job description

Policy Expert Claims is seeking an experienced Domestic Major Loss Adjuster or Surveyor to join our Major Loss team, handling complex household claims over £100,000. You will own every stage of a claim from initial assessment through to final settlement, including buildings, contents and any required alternative accommodation.

We value strong technical expertise in loss adjusting, building pathology and reinstatement, plus a proven track record of major or complex claims.