Job Title: Household Desktop Loss Adjuster
Location: Liverpool / Hybrid
Salary: £36,000 - £40,000 per annum DOE, discretionary annual bonus, paid monthly
Job Type: Permanent, Full Time
Working Hours: Monday to Friday, 37.5 hours, 9:00am - 5:30pm
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 escalate 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
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.
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
A Few Things to Know Before You Apply
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 have at least one year remaining on 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.
Please click the APPLY button to submit your CV for this role.
Candidates with experience or relevant job titles of; Senior Desktop Loss Adjuster - Household, Property Claims Loss Adjuster (Desktop), Household Technical Claims Specialist, Technical Claims Adjuster - Property, Household Claims Technical Specialist may also be considered for this role.
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