Loss Adjuster Interview Questions UK: 8 Real Questions and What Interviewers Want

Most Loss Adjuster interviews in the UK follow a pattern, and knowing it beats guessing. Below are eight questions from our bank of 16, each with a note on what the interviewer is really after.

Eight Loss Adjuster interview questions, and what the interviewer is thinking

1. What does a typical day as a loss adjuster involve, and what makes the role different from claims handling inside an insurer?

Why they ask: They want to see you understand the field-based, independent nature of the role.

2. What would you include in a preliminary report to the insurer after your first visit?

Why they ask: They want to test report-writing and prioritisation, a daily skill for adjusters.

3. What are the CILA qualifications, and what does Chartered status mean for a loss adjuster?

Why they ask: They want to check you know professional development routes in the sector.

4. How would you distinguish between storm damage and wear and tear or poor maintenance when inspecting a roof claim?

Why they ask: They want to see technical judgement in a frequent domestic claim type.

5. How do you handle the investigation and quantification of a commercial business interruption claim?

Why they ask: They want to assess your ability to manage complex commercial losses.

6. What is the role of mitigation in a claim, and how do you advise policyholders at the first visit?

Why they ask: They want to see practical emergency judgement and clear communication.

7. A policyholder is unhappy with your scope of repairs and says you are undervaluing the damage. How do you respond?

Why they ask: They want to see fair negotiation and communication.

8. Tell me about a time you managed a difficult or emotional customer during a loss.

Why they ask: They want to see empathy and professionalism in face-to-face situations.

A sample answer to question 1

What does a typical day as a loss adjuster involve, and what makes the role different from claims handling inside an insurer?

My day is a mix of site visits, report writing and communication. I would visit policyholders to inspect damage, take photographs and measurements, hear their account and explain the claims process. Back at my desk, or on the road, I would write reports to the insurer covering cause, circumstances, policy cover points, quantum and recommendations, and keep reserves and diaries up to date. I would also instruct and liaise with contractors, surveyors and specialists, negotiate scopes and settlements, and handle phone calls from policyholders and brokers. The difference from an in-house handler is that loss adjusters are appointed by insurers to investigate and report independently, and we spend more time on site and face to face. We must be fair to both parties, since our impartiality is the basis of our reputation, and we work within our instructions and authority from the insurer.

Common mistake to avoid: Describing it as just inspections; Ignoring report writing

Want the rest?

Full model answers, key points and common mistakes for all 16 questions are on the Loss Adjuster interview questions page. The first five are free, no sign-up needed.