Major Loss Adjuster

Key Responsibilities

• Manage a caseload of major and complex household claims valued at £100,000+, from first notification through to settlement, taking full ownership of the buildings, contents, and alternative accommodation elements of each claim.
• Conduct site visits and surveys to assess damage, establish the scope of reinstatement works, and validate contractor and loss assessor estimates.
• Determine liability, coverage, and indemnity, applying an expert understanding of relevant policy wordings and evidence.
• Negotiate claim settlements directly with policyholders, loss assessors, and their representatives across both buildings and contents claims.
• Assess and arrange appropriate alternative accommodation for policyholders, ensuring their immediate needs are met with urgency, empathy, and care.
• Set and maintain accurate reserves and total incurred values, reviewing and adjusting these throughout the life of each claim.
• Identify and pursue subrogation, salvage, and other recovery opportunities, referring these to the relevant team where required.
• Provide clear, compassionate, and proactive communication to policyholders throughout what can be an extremely difficult and traumatic experience, including where customers have lost their home or possessions.
• Maintain claim files to a high standard, ensuring documents, photographs, and communications are accurately and chronologically recorded for audit and complaints purposes.
• Provide mentoring, technical guidance, and support to Major Loss Adjusting Executives and other junior colleagues.
• Identify and escalate potential fraud indicators, coverage concerns, and complaints, including matters that may be referred to the Financial Ombudsman Service (FOS).
• Ensure all claims are handled in accordance with FCA requirements, delegated authority limits, internal governance standards, and agreed service levels.

Key Requirements

• Proven experience in household property claims handling or loss adjusting, ideally with 5+ years' experience including complex or high-value claims.
• A formal industry qualification is required, with candidates either holding or working towards Chartered status. Relevant qualifications may include ACILA, DIP CILA, ACII, or DIP CII for adjusters, or AssocRICS, MRICS, or MCIOB for surveyors.
• Strong technical knowledge of building pathology, reinstatement methodology, and major or complex household claims, including fire, flood, escape of water, and ground movement.
• Proven experience handling buildings and contents claims involving loss assessors and legal representation.
• Experience using digital claims management systems and estimating tools, such as Xactware.
• A full, clean driving license and willingness to travel to policyholders' homes as required.

What We Offer

• Basic Salary of up to £60,000 - £65,000 + £5000 car allowance as well as market-leading benefits.
• 25 days Annual leave plus statutory holidays.
• Discretionary performance-related bonus.
• 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.

Trinity 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.

#INDTECH