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
What you will be doing:
- 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
What we are looking for:
- 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.
Benefits:
- 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.
Household Desktop Loss Adjuster in Liverpool employer: Acorn Insurance Careers
As a Customer Service Claims Handler in the vibrant Liverpool City Centre, you will join a dynamic team dedicated to delivering exceptional customer service in a fast-paced environment. The company fosters a supportive work culture that prioritises employee growth through comprehensive training and performance-related bonuses, ensuring that your hard work is recognised and rewarded. With its prime location surrounded by shops, restaurants, and attractions, this role offers not just a job, but a fulfilling career path in the insurance sector.
StudySmarter Expert Advice🤫
We think this is how you could land Household Desktop Loss Adjuster in Liverpool
✨Dive Into Industry Networking Events
Get your foot in the door by attending insurance industry events and conferences. Not only will you learn about the latest trends, but you'll also meet potential employers and industry peers. Check out local chapters of professional bodies like the Chartered Insurance Institute for valuable meetups.
✨Use LinkedIn to Your Advantage
Don’t underestimate the power of LinkedIn in the insurance world. Engage with industry content, join relevant groups, and connect with professionals at companies you admire (like Acorn Insurance Careers). A thoughtful message explaining your interest can really make a difference!
✨Look Out for Graduate Schemes
Many firms in insurance have structured graduate programmes. Keep an eye on application windows and utilise your university's career services for insider tips. These schemes are designed to develop talent and often lead to permanent roles after your initial training.
✨Leverage Your Current Connections
Got friends or family in the industry? Now’s the time to reach out! Personal referrals can give you a head start, so let them know you're on the lookout for full-time opportunities at places like Acorn Insurance Careers. Don’t shy away from asking for a coffee chat; you never know what doors it might open!
Some tips for your application 🫡
Highlight Your Analytical Skills:In insurance, we love a candidate who can crunch numbers and analyse data effectively. When crafting your CV, make sure to showcase any relevant coursework or experiences that highlight your analytical abilities, especially if you’ve tackled risk assessment or financial modelling.
Showcase Industry Knowledge:Don’t be shy about your knowledge of the insurance sector! We want to see that you've done your homework on current trends, regulations, and challenges in the industry. Mention any relevant projects or studies you’ve completed that demonstrate your understanding of the field in your cover letter.
Craft a Compelling Cover Letter:Your cover letter should tell us why you’re passionate about insurance. Share any personal experiences or what drew you into this profession. We’re looking for enthusiasm and a clear motivation for why you want to be part of our team at Acorn Insurance Careers.
Tailor Your CV for the Role:Don't just send a generic CV! Focus on tailoring it specifically for the insurance role at Acorn Insurance Careers. Highlight relevant skills such as risk management, customer service experience, or any certifications you've earned in the industry to make your application stand out.
How to prepare for a job interview at Acorn Insurance Careers
✨Know Your Numbers: Insurance Fundamentals
Brush up on your understanding of key insurance concepts, like underwriting principles and risk assessment. Expect the interviewer at Acorn Insurance Careers to throw some technical questions your way, so be ready to demonstrate your grasp of these essentials.
✨Showcase Your Analytical Side
In the insurance world, it's all about data. Prepare to discuss any analytical tools or methodologies you've used in past experiences. If you have a portfolio of projects where you've tackled complex data, bring that along to impress the team!
✨Prepare for Behavioural Questions
As a full-timer at Acorn Insurance Careers, they'll want to know how you handle real-life scenarios, not just theory. Think about challenges you've faced in teamwork or customer service, and how those experiences can relate to a career in insurance.
✨Know the Company Culture Inside Out
Understanding Acorn Insurance Careers's values and workplace culture is essential. Don’t just memorise their mission statement; think about how your personal values align with theirs. This will show your genuine interest in being part of their team long-term.
