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- You'll spend time investigating complex insurance claims, sometimes including visiting the sites of accidents
- With experience, you could specialise in a particular type of claim, or move into management
- If you become a chartered loss adjuster, you could set up your own practice and run your own company
You'll usually specialise in either domestic household claims or commercial claims, from fire or flood damage to loss, theft and fraud.
DAY-TO-DAY DUTIES
- 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
DAY-TO-DAY ENVIRONMENT
You could work in an office or from home. Your working environment may be emotionally demanding, and you'll travel often. You may need to wear safety clothing.
You'll need
For this role, you'll need customer service and excellent verbal communication skills, knowledge of English language, the ability to use your initiative and work well with others, thoroughness and attention to detail, to accept criticism and work well under pressure, and basic computer skills.
You could take a degree before applying for a place on an insurance company's graduate training scheme, such as business studies, finance, law, surveying, construction. Relevant work experience will be helpful whilst your studying, such as an internship.
You can do a higher apprenticeship for insurance professionals or a senior insurance professional degree apprenticeship.
You could move into loss adjusting after getting experience as a claims technician or assistant loss adjuster with an insurance company. You can also complete qualifications while you're working in insurance through a professional body like the Chartered Institute of Loss Adjusters.
You can apply to join a company's graduate training scheme if you've got a degree. Most subjects are accepted though you may have an advantage if you've studied business, law, maths or economics.
CAREER PROSPECTS
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.