Loss adjusters have the job of thoroughly investigating a claim, determining if payment is warranted, negotiating a financial settlement, and authorising payments to the Insured. Once the Insured makes a claim on their insurance policy, you will first investigate the claim in order to determine if the claim is legitimate and whether the policy covers the damage/loss.
Other information that may have to be collected include photos of property damage, and other pertinent information/proof of ownership required to fully evaluate a claim. If the adjuster determines that the claim on the policy is legitimate, the adjuster will then negotiate a settlement amount or assist with fulfilment through the engagement of suppliers, surveyors, contractors or other specialists.
Key Responsibilities
- Attend site to verify cause and extent of damage and report to insurers
- Liaise and correspond with the Insured, Insurers, brokers, surveyors and other interested parties to progress individual claims
- Liaise with the Insured making the claim to discuss valuation and validation of the claim
- Ensure the site is secure to prevent any further damage
- Organise any salvage work, building repairs or clean-up operations that need to take place
- Make sure that the loss or damage is covered sufficiently by the terms of the policyholder's insurance policy
- Investigate suspicious claims by checking, for example, the existence and value of goods being claimed for
- Negotiate and resolve disputed claims and where required, provide evidence in court in cases of fraud
- Help businesses to quantify the loss of income while the premises are closed for repair
- Advise on security and other precautions to reduce the risk of further losses in the future
- Preparing reports commenting in detail on all aspects of claims including legal and policy liability considerations, potential quantum and future actions
- Collating and interpreting documentation
- Researching technical and legal questions by analysing and extracting relevant data from various sources
- To maintain and build upon relationships with existing clients ensuring increasing levels of client satisfaction
- To maintain and develop an individual professional workload
- To assist with all internal audit requirements and ensure that all recommendations are applied in a timely manner
- Demonstrate and role model the Charles Taylor six Values by ensuring a Supportive Environment, upholding Excellence in People, focusing on Partnership with Clients, delivering High quality Work, promoting Group-wide Entrepreneurship and having an Appetite for Change.
Required Skills
- A minimum 5 years personal lines loss adjusting experience
- Experience of High Net Worth claims handling
- Ideally ACII qualified
- Studying for ACILA qualification or keen to do so (full support provided)
- Enthusiastic, flexible and adaptable approach to work is essential
Skills
- The ability to build professional relationships quickly
- Effective diary management
- Attention to detail
- Strong organisation and IT skills
- The ability to plan and manage workload to ensure deadlines are met
- Be confident and articulate with excellent communication and interpersonal skills
- The ability to work under pressure with conflicting demands
- Loss adjusters must also maintain a good driving record and a valid driver’s license
Why join Charles Taylor?
We are very proud of the fact that nine out of ten of our people recommend Charles Taylor as a place to work. We pride ourselves on having a positive work environment where our people are empowered to make the best decisions and where learning is valued highly and shared across our business.
We are very committed to ensuring our people are given continuous learning and development. As well as structured induction programmes and job training, we provide study support for relevant professional qualifications and have a Core Learning & Development Curriculum.
Charles Taylor is a fun and inclusive place to work where people are truly valued and encouraged to enjoy a host of social and sporting activities available. Quiz nights, tennis tournaments, football matches and a range of other events take place throughout the year
Equal Opportunity Employer
Here at Charles Taylor we are proud to be an Inclusive Employer. We provide an environment of mutual respect with zero tolerance to discrimination of any kind regardless of age, disability, gender identity, marital/ family status, race, religion, sex or sexual orientation.
Our external partnerships and the dedicated work we do in promoting a transparent and fair recruitment and selection process all contribute to the successful, inclusive and diverse culture and environment which we are proud to be a part of at Charles Taylor.
