Job Title: Household Desktop Loss Adjuster Location: Liverpool / Hybrid Salary: £36,000 - £40,000 per annum DOE, discretionary annual bonus, paid monthly Job Type: Permanent, Full Time Working Hours: Monday to Friday, 37.5 hours, 9:00am - 5:30pm What you will be doing: Manage a portfolio of household claims (including complex and high-value cases) from first notification through to settlement and conclusion Interpret policy wordings, exclusions and endorsements to determine coverage and liability in line with underwriting intent Deliver fair, accurate and timely claim decisions, supported by clear, evidence-based rationale Produce detailed Schedules of Works, ensuring repair scopes are accurate, cost-effective and reflect the true extent of loss Assess cause of damage reports, schedules of works and quantum reports produced by third-party experts (e.g. surveyors, engineers, loss adjusters and contractors) Draft clear, detailed technical reports outlining findings and settlement recommendations, including escalation of large or complex losses where appropriate Deliver a high standard of customer service, ensuring clear communication, empathy, and proactive management of customer and third-party expectations throughout the claims journey Apply and maintain accurate reserves in line with company reserving philosophy Identify, investigate and escalate potentially fraudulent claims Provide technical guidance to the wider claims team Operate effectively in a fast-paced ..... full job details .....