Commercial (Property) Loss Adjuster
Location: Greater London/London & Brighton/Southampton
Overview:
We are working with a highly respected, top-tier loss adjusting practice with a strong reputation across the UK commercial insurance market, to appoint a Commercial Property Loss Adjuster into their growing regional team.
This role is ideally suited to someone with a solid grounding in property adjusting or insurance claims handling, looking to step up into a more autonomous, technically engaging caseload within a structured and well-supported environment.
You will handle a diverse portfolio of domestic and commercial property losses, typically ranging from £10,000 to £100,000+, with exposure to higher-value and more complex instructions alongside senior adjusters. The work will include a strong mix of commercial perils such as fire damage to SME premises, escape of water in multi-let commercial units, storm and flood events affecting industrial and retail risks, business interruption components, and liability-linked property damage claims.
This is a genuine career development role within a business recognised for its technical strength, quality of adjusting, and long-term progression into Senior Adjuster, Major & Complex Loss (MCL), and specialist commercial or HNW pathways.
Role Responsibilities:
*Manage a caseload of commercial and domestic property claims from first notification through to final settlement
*Attend site inspections to assess extent of damage, causation, scope of works, and reinstatement strategies
*Support investigation work including evidence gathering, policy validation, and liability assessment where applicable
*Interpret policy wordings and assist in establishing coverage position, indemnity, and reserve recommendations
*Prepare clear, technically accurate reports for insurers, including initial, interim, and final reports
*Liaise with a range of stakeholders including policyholders, commercial brokers, loss funders, contractors, and restoration specialists
*Coordinate and instruct specialists such as building surveyors, engineers, forensic experts, and loss mitigation providers
*Monitor and manage claim life cycle progression, ensuring accurate reserving and file integrity
*Support negotiation of settlement figures, contractor schedules, and scope agreements under guidance where required
*Ensure all work is completed in line with regulatory standards, insurer service level agreements, and internal audit requirements
Experience Required:
*Circa 1–3 years’ experience in loss adjusting or property insurance claims handling
*Exposure to commercial property claims or a mixed domestic/commercial caseload
*Understanding of core perils including fire, escape of water, storm, flood, impact damage, and BI-related property losses
*Comfortable attending site-based inspections and working in a hybrid field/office role
*Strong written and verbal communication skills
*Full UK driving licence required
Whats on Offer:
*Structured, industry-leading training and technical development programme
*Hands-on mentorship from experienced chartered and senior adjusters, including regular field shadowing
*Clear and achievable progression pathway into Senior Adjuster and MCL roles
*Exposure to a strong mix of commercial and domestic property losses, including higher-value and complex instructions
*Collaborative, high-performance team culture with genuine support at all levels
*Hybrid working model offering flexibility alongside field autonomy
*Opportunity to build a long-term career within one of the UK’s most technically respected loss adjusting environments