Insurance loss adjuster

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Andrew Jones is an insurance loss adjuster. He visits customers who have made a claim to check whether it is valid or not.

What is a typical day like?

I receive my daily appointments from the internal claims advisers in the insurance service centres. I then visit the insured client and complete site notes at their property. Once I get home, I complete the site notes with my recommendations for how to progress the claim.

What is involved in site visits?

I note what has happened and what damage or loss has occurred. I also collect any documentation that provides evidence of the loss such as photographs, receipts and so forth.

I then discuss the claim with the insured client or refuse the claim on site if necessary. If the claim is valid, I appoint suppliers or builders in order to put the client back into the same position they were in before the event.

How is maths used in your work?

Maths is used in various ways. I calculate figures for the building schedules and I occasionally need to agree cash settlements on site with insured clients.

What hours do you work?

My normal working hours are 9am-5pm from Monday to Friday, although these are flexible. Sometimes, I will finish earlier and sometimes, for a late call, I may finish later.

There is also an emergency rota, which requires each loss adjuster to be on call 24 hours a day for one week in every eight weeks.

Who do you work with?

I work from home. In this work, you are given a lot of flexibility as long as you meet your deadlines. You are basically your own boss as far as time management goes.

I belong to a regional team of external adjusters. We have an operational manager who we report to and we meet regularly for meetings to discuss progress and any training needs. But on a day-to-day basis, we are left to get on with the work ourselves.

What is good about your job?

No day is ever the same as I always meet different people and have to deal with different types of claims. That is one of the things I like most about it.

I also have the opportunity to help people who have suffered something traumatic like a burglary, which can be very satisfying.

Andrew's route to his career as an insurance loss adjuster

  • Did two weeks' work experience in an insurance company while at school and received a job offer from the company when he left school.
  • Worked as an insurance clerk, took insurance examinations and worked his way up to domestic claims handler.

Andrew's loss adjuster tips

  • It is always best to give an honest answer or admit you don't know, than make a wrong guess.
  • The job has a lot more flexibility than most other jobs. Don't abuse the freedom, as you will find that deadlines spring up fast.

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Salary of an Insurance loss adjuster

  • Salaries vary considerably depending on the company and the qualifications, experience and specialisation of the loss adjuster.
  • Starting salaries are in the region of £15,000 - £20,000 a year.
  • Loss adjusters with five years' experience could earn £20,000 - £30,000, and more senior loss adjusters could earn £30,000 - £50,000.

Getting in

  • Although it is possible for a school or college leaver or graduate to start a career in loss adjusting, most new entrants have a professional qualification in an area such as accountancy, engineering or surveying and relevant work experience.
  • New entrants without a professional qualification usually start with a firm of loss adjusters and study for relevant examinations. Many entrants are graduates. Any degree subject is acceptable, but useful subjects include insurance, business studies, economics, law, maths and statistics
  • Training is mainly on-the-job, working with an experienced loss adjuster.

Modified: 16 June 2013

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