Property Claims Handler

Property Claims Handler

Our client is hiring a Desktop Property Claims Handler to manage a portfolio of low to medium complexity property damage claims from First Notification of Loss (FNOL) through to settlement and closure. You'll deliver fair, timely outcomes while learning key technical skills such as coverage assessment and negotiation, supported by structured training, coaching, and quality assurance.

This role is perfect for someone early in their claims career who is organised, empathetic, and keen to build strong foundations in end to end claims handling within a TPA setting.

Responsibilities

The responsibilities of the Desktop Property Claims Handler include (though are not limited to):

Own a personal caseload of property claims from FNOL to closure, ensuring proactive progress and accurate file documentation.

Handle common domestic and small commercial perils (e.g., accidental damage, escape of water, storm, impact and theft within authority).

Triage and validate claims: confirm policy and cover details, gather evidence (photos, estimates), and set clear next steps with customers.

Coverage decisions within delegated authority using policy wordings and endorsements; clearly document rationale and communications.

Reserve accurately and update promptly as new information emerges.

Assess quantum using quotes/estimates and negotiate fair and reasonable settlements or authorise repairs; issue robust repudiations where appropriate (with clear reasons).

Escalate promptly when a claim exceeds authority, presents potential fraud, or becomes technically complex; collaborate with senior handlers as needed.

Maintain diary control to hit contact, update, and settlement milestones.

Skills and Experience

Previous experience handling property claims (domestic or commercial) in an insurer, TPA, broker, or loss adjusting environment.

Proven track record of managing property claims independently

Experience issuing clear decision letters, including declines or partial settlements, with well reasoned explanations.

Experience working within defined SLAs, KPIs, and audit standards.

Familiarity with claims management systems

Comfortable managing customers through distressing events and able to de escalate difficult conversations.

Key Competencies

Highly organised with strong diary management and the ability to prioritise a dynamic workload.

Proactive, decisive, and able to take ownership of claims end to end.

Analytical thinker with a practical, problem solving mindset.

Team oriented with a willingness to support colleagues, share knowledge, and contribute to continuous improvement.

Resilient, adaptable, and comfortable working in a fast paced environment.

Strong knowledge of regulatory and industry standards (FCA, GDPR, Treating Customers Fairly).