Claims Adjuster Job Description and Role Overview

The Claims Adjuster role is suited to experienced insurance professionals and analytically strong candidates who manage the end to end claims process. Applicants should be comfortable investigating incidents, assessing liability and negotiating fair settlements while maintaining accurate records and meeting service standards.

Claims Adjuster Job Profile

The Claims Adjuster investigates, evaluates and resolves insurance claims within agreed authority limits. The role requires timely assessment of losses, establishing coverage, determining liability and recommending settlements in line with policy terms and regulatory requirements.

The purpose of the role is to protect the insurer or self insured organisation from unwarranted payments while ensuring legitimate claimants receive prompt and appropriate settlement. The position balances technical claim assessment with customer contact and stakeholder management.

Claims Adjuster Job Description

Claims Adjusters manage a caseload of claims from first notice through to closure. Work includes reviewing policy coverage, collecting and analysing evidence, arranging inspections and obtaining third party statements. Adjusters must prepare clear, objective reports and set reserves accurately to reflect potential exposure.

The role operates within a claims function that may require field visits, liaison with repairers, medical providers and legal counsel, and collaboration with colleagues such as underwriters and subrogation teams. Adjusters are expected to apply consistent decision making, meet turnaround targets and escalate complex or high value matters for specialist review.

Adjusters must maintain comprehensive electronic and paper records, comply with regulatory and internal governance standards, and contribute to continuous improvement of claims processes. Regular communication with claimants and brokers to explain decisions and progress is a core expectation.

Claims Adjuster: Duties and Responsibilities

• Receive and acknowledge claims; verify policy details and coverage limits
• Investigate incidents by obtaining statements, evidence and relevant documentation
• Arrange and conduct site or vehicle inspections where required
• Assess liability and quantum based on factual evidence and policy terms
• Prepare and maintain accurate claim files and written reports
• Set and adjust reserves to reflect ongoing exposure
• Negotiate settlements with claimants, legal representatives and third parties
• Authorise payments within delegated authority and obtain approvals for larger settlements
• Identify potential subrogation opportunities and refer cases to recovery teams
• Recognise and refer suspected fraudulent activity to the appropriate unit
• Liaise with medical experts, engineers and other specialists to support claim decisions
• Ensure compliance with regulatory requirements and internal procedures
• Provide regular status updates to claimants, brokers and internal stakeholders
• Contribute to process improvements and knowledge sharing within the claims team

Claims Adjuster: Requirements and Qualifications

• Minimum of 2 years experience handling insurance claims, ideally across motor, property or liability lines
• Relevant qualification or working towards a professional insurance qualification preferred
• Strong investigative and analytical skills with attention to detail
• Excellent written and verbal communication skills for clear report writing and stakeholder engagement
• Proven negotiation skills and the ability to achieve fair settlements
• Knowledge of insurance policy wordings, coverage principles and claims processes
• Ability to manage a varied caseload and prioritise to meet service level targets
• IT literacy to maintain electronic claim records and produce management reports
• Sound judgement and ability to escalate complex or high value claims appropriately
• Understanding of regulatory and compliance obligations relevant to claims handling
• Ability to work independently and as part of a team in a fast paced environment
• Valid driving licence and willingness to travel for inspections if required