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Insurance loss adjuster

Insurance loss adjusters investigate large or complicated claims for insurance companies.

Salary, a pound sign Salary: £15,000 to £80,000 average per year
Hours, a clock face Hours: 30 to 40 per week

1. Entry requirements

You can work your way up from a junior position as a claims technician, loss adjuster assistant, or claims manager.
 
You’ll usually do this by working towards insurance industry qualifications accredited by the Chartered Insurance Institute (CII) or the Chartered Institute of Loss Adjusters (CILA). 
 
You could also get into this job through an apprenticeship.
 
If you’ve got a degree, you could train to be a loss adjuster through a graduate training programme with one of the larger insurance companies.

Relevant degrees include:

  • business
  • finance
  • surveying
  • engineering
 It’ll help to get some relevant work experience whilst you’re studying. 

2. Skills required

You’ll need:

  • observation skills
  • negotiation skills
  • analytical ability and research skills
  • administrative and IT skills

3. What you'll do

You’ll usually specialise in either domestic household claims or commercial claims, from fire or flood damage to loss, theft and fraud.

Your day-to-day duties could include:

  • visiting sites to survey damage
  • interviewing customers
  • gathering evidence, like security camera footage or police reports
  • requesting reports from specialists, like building surveyors
  • checking that policies cover losses and customers are claiming a reasonable amount
  • organising clean-up operations, or arranging building repairs
  • making further investigations if you suspect fraud
  • giving evidence in court
  • presenting reports and recommendations to insurers
  • advising claimants on how to avoid further losses

You might carry out several inspections a day. With more complicated claims, it could take you several days to process one claim.

4. Salary

Starter: £15,000 to £30,000

Experienced: £30,000 to £45,000

Highly Experienced: £80,000 or more

You may get extra bonuses based on your personal or company performance.

Your salary package may include a car, fuel allowance, and pension and insurance benefits.

These figures are a guide.

5. Working hours, patterns and environment

You’ll usually work standard office hours, Monday to Friday, but may need to work some evenings and weekends.

You’ll be office-based or work from home, but you’ll spend a lot of your time visiting people in their homes or commercial premises.

You’ll usually cover a set geographical region. 

You’ll sometimes visit sites within a few hours of an accident, fire, train crash or earthquake, which could be stressful.

You may need to wear safety clothing on some sites.

6. Career path and progression

With experience, you could specialise in a particular type of claim, move into management, or work overseas for a global business.

You could become self-employed and work freelance. If you become a chartered loss adjuster, you could set up your own practice and run your own company.

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Last updated: 08 December 2016