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Senior Specialist Adjuster

Melanie Richardson

Senior Specialist Adjuster


Melanie is a detail orientated, results-focused, down to earth and proactive Chartered Loss adjuster, with a passion for investigating claims, and assisting insurers with ascertaining policy indemnity and legal liability positions.

Melanie initially commenced her insurance career in Townsville in 2010, whilst undertaking her studies. Whilst earning her legal qualifications, Melanie acted as a loss adjuster and assisted operational co-ordination on a number of CAT response teams at various locations in Australia and New Zealand.

During her initial years as a regional loss adjuster, Melanie gained experience managing domestic, transit/cargo, commercial and strata property and liability matters, which has provided her with diverse knowledge across multiple product lines and industries.

Most recently, Melanie worked for a Global Loss Adjuster, handling complex Construction All Risk and Legal Liability matters, and also providing mentoring and guidance to junior and regional adjusters across Australia in respect of complex or niche matters.

With her legal knowledge and broad range of experiences across multiple product lines and industries, Melanie is well versed in considering and providing advice in respect of technical or complex claims. Her legal knowledge and experience with regard to principals of liability and contract interpretation allows insurers and solicitors to quickly identify and resolve complex claims and understand difficult technical issues when dealing with complex Policy Interpretation and Legal Liability issues.

Melanie is an experienced Public Speaker and has delivered a number of presentations to insurance industry associations, and Insurer and brokers clients in Sydney, Melbourne and Brisbane markets.


  • Damage to multiple properties as a result of refinery emission event (AUD$2 Million)
  • Damage to existing shopping centre during renovations (AUD$500K)
  • Environmental impairment (asbestos contamination) of residential development site (AUD $4 Million)
  • Negligent Design of Mining Haulage Trucks/Trailers (AUD $800K)
  • Damage to warehouse as a result of construction defects (AUD$500 K)
  • Water damage during construction to existing sports floor (AUD 300 K)
  • Cyclone Damage to nursing home under construction (AUD $350K)
  • Hail damage to multiple residential developments under construction (AUD 400 K)
  • Flood Damage to Commercial Towner under construction (AUD$250K)
  • Subsidence of Third Party property adjacent to construction sites/excavations (multiple matters between AUD$500k – $AUD 1.2 Million)
  • Recall of Electrical Appliances (multiple matters between AUD$100k – $500,000)
  • Product recall of baby food product (AUD$200K)
  • Damage to existing underground gas pipeline during civil works (AUD$300K)

Office Address / Contact Information

Level 1, 18 Little Cribb Street
PO Box 1360
Milton Qld 4064
Local Time:
Local Date:

Industry Certification



Bachelor of Law, Bachelor of Arts (Psychology), Diploma of Loss Adjusting

Additional Expertise

Professional Indemnity, Commercial Property, Heavy Plant & Machinery, Product Recall

Adjuster Experience

14 years 2010