Desk-based Loss Adjuster

Direct Line Group; Leeds; Hybrid; GBP 30,000 - 40,000; Full time

Job summary

A leading insurance company in the UK is seeking a Claims Handler to manage Home and Commercial property claims. You will handle claims up to £50,000, deliver exceptional customer service, and contribute to a hybrid working model. Proven experience in property insurance and strong customer focus are essential. The role offers excellent benefits including a company bonus, employee discounts, and a commitment to diversity and inclusion.

Benefits

Annual company bonus of up to 10%

50% off home, motor, and pet insurance

Additional optional Health and Dental insurance

Generous holidays

Employee discounts and cashback

Qualifications

• Proven experience in handling Home, SME, and Commercial property insurance claims.
• Strong knowledge of policy interpretation and insurance principles & practices.
• Ability to assess buildings and contents quantum with accuracy and confidence.

Responsibilities

• Handle cradle-to-grave Home, SME, and Commercial claims using digital evidence.
• Deliver exceptional customer service, driving market-leading Net Promoter Scores.
• Identify and pursue subrogated recovery opportunities through thorough investigation.

Skills

Handling Home, SME, and Commercial claims

Policy interpretation

Quantum assessment

Negotiating settlements

Construction methods knowledge

Job description

Glasgow or Leeds – Hybrid (2 days a week in the office)

Full Time, Permanent Position

DLG is evolving. Across every facet of our business, our teams are embracing new opportunities and putting customers at the heart of everything they do. By joining them, you’ll have the opportunity to not just be recognised for your skills but encouraged to build upon them and empowered to do your absolute best.

What you'll be doing

Reporting directly to the Property Insurance Area Manager, you'll:

Handle cradle-to-grave Home, SME, and Commercial claims using digital evidence, including photos and video, to assess damage and scope repairs

Take ownership of claims up to £50,000 for Home and £15,000 for Commercial, with potential to support larger claims under supervision

Review digital evidence from online portals to determine rectification works and identify settlement solutions

Deliver exceptional customer service, helping to drive market-leading Net Promoter Scores

Support surge deployment needs and provide back-office assistance as required

Apply your expertise in policy interpretation, quantum assessment, fraud detection, and modern construction methods

Ensure compliance with policy cover, reserving, GDPR, payments, and other regulatory and operational requirements

Identify and pursue subrogated recovery opportunities through thorough investigation

Act as a technical point of referral for claims requiring scope variations

Assist in resolving customer complaints by owning informal issues and contributing to complaint summaries

Build strong internal relationships, supporting office-based handlers and operational teams

Embrace and uphold Consumer Duty principles in all claim decisions

Own your personal development and maintain professional capability

Contribute to the company's vision of making insurance personal, inclusive, and a force for good

Recognise and manage risks within your remit in line with the DLG risk framework

Our hybrid model offers a 'best of both worlds' approach. When you'll be in the office depends on your role and team, but colleagues spend at least 2 days a week in the office.

What you’ll need

Proven experience in handling Home, SME, and Commercial property insurance claims

Strong knowledge of policy interpretation and insurance principles & practices

Ability to assess buildings and contents quantum with accuracy and confidence

Skilled in negotiating settlements and managing end-to-end claim journeys

Familiarity with current construction methods and repair scoping

We recognise we wouldn't be where we are today without our colleagues, that's why we offer excellent benefits designed to suit your lifestyle:

Annual company bonus of up to 10%

50% off home, motor and pet insurance, plus Green Flag breakdown cover

Additional optional Health and Dental insurance

EV car scheme allows all colleagues to lease a brand new electric or plug-in hybrid car in a tax efficient way

Generous holidays

Buy as you earn share scheme

Employee discounts and cashback

Plus, many more

We want everyone to get the most out of their time at DLG. Which is why we’ve looked beyond the financial rewards and created an offer that takes your whole life into account. Supporting our people to work at their best – whatever that looks like – and offering real choice, flexibility, and a greater work-life balance that means our people have time to focus on the things that matter most to them. Our benefits are about more than just the money you earn. They’re about recognising who you are and the life you live.

Be yourself

Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people. We're delighted to feature as one of the UK's Top 50 Inclusive Employers and are committed to making our business an inclusive place to work, where everyone can be themselves and succeed in their careers.

We know you're more than a CV, and the things that make you, you, are what bring potential to our business. We recognise and embrace people that work in different ways so if you need any adjustments to our recruitment process, please speak to the recruitment team who will be happy to support you.