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We are the Channel Islands’ only locally owned and run Loss Adjusters, giving us a unique understanding of our market and an unrivalled physical presence in handling commercial and residential property claims across the islands of Guernsey, Jersey, Alderney, Sark and Herm.

Ready for the unexpected; committed to your peace of mind

Meet our team of experts

We combine our local knowledge and industry expertise with a fast and forensic approach, ensuring claims are settled as quickly and efficiently as possible. If you're an insurer requiring help to settle a claim in the Channel Islands, we would be delighted to hear from you.

Our commitment to the community

We may be a small team, but we believe every single person can make a difference to our unique island communities. That is why we invest in several charitable projects by offering both our time and funding. We are also committed to creating a sustainable future for our planet and have made several important pledges, ensuring that, as a team, we do everything we can to minimise our impact on the environment.

Visit our news page to find out more about our work in the community and to read our latest news and views.

Thank you for your time this morning, in what is a very stressful situation you both have put our minds at ease.

Your assistance has been greatly appreciated through an unpleasant experience.

We are very grateful for the smooth process and look forward to returning home soon. Warm regards and thanks to the whole team!

Thank you for your help with these claims. You’ve been very helpful along the way with explanations and guidance, we do appreciate it.

I have been very pleased with the way that the claim has been managed by Josh and yourself.

Thank you for all your help with sorting our flat roof. It is lovely to be back to normal.


What is a Loss Adjuster?

If you are new to the industry, you might be wondering what a Loss Adjuster does. We are independent insurance professionals who act on behalf of an insurance company when there is a major or complex claim. We investigate, manage, quantify and settle the claim on behalf of the insurance company, within the terms of the policy. Our fees are covered by the insurance company, so our involvement comes at no cost to the policyholder.

If you would like to find out more about our role and the process we follow, our FAQs might be helpful.

Our approach

“Because…it happens” is our tagline for a reason. With several decades of experience between us, there really is not much that we have not dealt with. We have seen commercial properties ruined by fire, homes damaged by floods, and we have even dealt with the aftermath of a tornado ripping through the Channel Islands.


Every case we deal with is personal and the scale of every case is relative to the individual experiencing it. Our job is to help put things right and make the process as smooth as possible for both the insurer and the policyholder. To help us do so, we have developed industry-leading tools to help us deliver the best possible experience.

Find out more about our approach here.

CIA offers advice to those affected by Storm Ciarán

CIA offers advice to those affected by Storm Ciarán

In the months following Storm Ciarán, our specialist team at Channel Islands Adjusters saw unprecedented levels of new cases hitting our desks. We reported a 600% increase in new cases, the equivalent to six months’ worth of cases, in just three weeks. As 2024 progresses, we are continuing to help hundreds of home and property owners, some of whom have seen their properties devastated by unprecedented levels of damage.

CI Adjusters partner with PPBF to celebrate 20-year anniversaries

CI Adjusters partner with PPBF to celebrate 20-year anniversaries

In 2024, a new partnership was launched between the Priaulx Premature Baby Foundation (PPBF) and Channel Islands Adjusters to celebrate both organisation’s twenty-year anniversaries.

Announcing our ongoing community support for 2024

Announcing our ongoing community support for 2024

We love to champion local causes and our small team are incredibly proud to support several initiatives that are close to our heart. Whether we are shaking buckets, exercising our artistic skills, or looking after life-saving equipment, our community projects say a lot about us and our approach to helping others. Here is a quick run down of our plans for 2024.

Our latest news

About us

Our founder-led team are passionate about investing in our industry and achieving the highest levels of professional development. We boast four Loss Adjusters in our ranks, three of whom are Chartered. This makes our Guernsey-based team by far the most qualified in our field across the Channel Islands. 2024 marks a milestone year for our company, as we celebrate 20 years in business.

Whether you’re interacting with us via the insurance industry or as a policyholder, you can be assured we will deliver accuracy, expertise and knowledge, together with dedicated customer service, supported by our bespoke technology. 

Channel Islands Adjusters was founded in 2004 by husband-and-wife team Richard and Julie-anne Headington, the first married couple in the world to both become Chartered Loss Adjusters in the same year. In 2014, they were joined by Operations Manager Tracy Le Page and Josh Smith, who is now an Associate Director and shareholder in the company. Loss Adjuster Ellie Smith (no relation to Josh) and our Property Claims Technician Sam Langmead, complete the team.

From left to right: Ellie Smith, Josh Smith, Julie-anne Headington, Richard Headington, Tracy Le Page and Sam Langmead.

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