[Hiring] Desktop Loss Adjuster @Gallagher

Role Description

The Desk-Based Property Loss Adjuster will investigate, manage, report upon and settle a varied caseload of commercial and domestic property claims. The role is predominantly desk based, delivering the same technical claims handling and investigative responsibilities as a field loss adjuster through telephone, video, digital evidence and document review. The role will also provide technical support to colleagues through staff training, referral handling and report checking where required.

• Investigate, manage and report on a caseload of property claims, predominantly from a desk-based environment.
• Handle a full and varied caseload from cradle to grave, including:
  • Liaison with clients, policyholders and suppliers
  • Determination of policy cover
  • Validation of circumstances
  • Scope and quantum assessment
  • Settlement negotiation
  • Pursuit of recoveries where appropriate
• Undertake effective claim investigations using:
  • Telephone interviews
  • Video calls
  • Photographs
  • Reports
  • Estimates
  • Invoices
  • Digital evidence
  • Other available information
• Handle claims across a broad portfolio, including:
  • Commercial and Domestic Property
  • Education
  • Heritage
  • Real Estate
  • Public Sector
  • Local Authority risks
• Provide clear, evidence-based technical referrals and recommendations on:
  • Coverage
  • Liability
  • Causation
  • Mitigation
  • Scope
  • Quantum
  • Reserves
  • Settlement strategy
• Review and respond to technical referrals from claims handlers and loss adjusters, providing practical guidance and documenting the rationale for decisions.
• Check reports, correspondence, scopes and settlement recommendations where required, ensuring they are accurate, complete, technically sound and compliant with client service instructions.
• Support the development and delivery of staff training, coaching and knowledge-sharing sessions on property claims handling, investigation techniques, report writing and technical standards.
• Identify recurring technical issues, claim trends and learning needs, and work with management to improve guidance, quality and consistency across the team.
• Ensure claims are handled properly, fairly, promptly and with integrity, maintaining appropriate customer and client communication throughout the claim lifecycle.
• Maintain high standards of communication with senior management, colleagues and principals, particularly in relation to significant losses, emerging trends, complaints, risks and service issues.
• Participate in claim reviews, technical meetings, quality assurance and claims auditing activity.
• Work collaboratively with insurers, brokers, policyholders, contractors, surveyors, engineers and other specialists as required.
• Undertake occasional travel, site attendance or in-person meetings where the needs of the claim, client or business require it.
• Comply with all Gallagher Bassett policies, client service instructions, regulatory requirements and office procedures.
• Undertake any other reasonable duties required by Gallagher Bassett.

Qualifications

• Essential experience of investigating and handling property claims on a cradle-to-grave basis.
• Strong technical understanding of property damage, construction, causation, mitigation, policy coverage, liability, scope and quantum.
• Ability to investigate and progress claims effectively without routine site attendance, using professional judgement to identify when a physical inspection or specialist input is required.
• Experience of reviewing technical reports and providing clear, constructive feedback.
• Ability to assess and respond to technical referrals, explain decisions and support less experienced colleagues.

Benefits

• Competitive compensation
• Comprehensive benefits programs designed to support your well-being
• Career development opportunities and ongoing learning
• A collaborative, people-first culture with accessible leadership
• The opportunity to do meaningful work with global reach and local impact

Company Description

At Gallagher, we believe supporting our colleagues goes far beyond the role itself. We are dedicated to building an inclusive and authentic workplace.