Major Loss Adjuster
Core
Handle complex household claims exceeding £100,000, managing buildings, contents, and alternative accommodation from assessment to settlement.
Role type
Senior Major Loss Adjuster / Surveyor
Builds
Fair, efficient, and customer-focused resolutions for high-value property claims
Domain
Insurance / Property Loss Adjusting
Deliverable
client delivery
Required skills
Building pathology, reinstatement methodology, liability determination, reserve setting, subrogation, fraud detection, FCA compliance, site surveying, contractor project management
Preferred skills
Chartered status (ACILA, MRICS, etc.), experience with loss assessors and legal representation, digital claims systems (Xactware)
Technologies
Xactware
Responsibilities
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; Assess and arrange alternative accommodation; Set and maintain accurate reserves; Identify and pursue subrogation and recovery opportunities; Provide clear communication to policyholders during traumatic events; Mentor junior colleagues; Escalate fraud indicators and complaints; Ensure compliance with FCA requirements and internal governance.
Seniority
Senior, hands-on IC with mentorship duties
