to only determining values, such as in writing an estimate of the loss and damage. However, not only can any qualified construction contractor prepare such estimates, but being restricted to values determinations alone is the function of appraisal, where appraisers and umpires resolve estimating disagreements - an adjuster is not needed (but in South Carolina, public adjusters can only estimate, cannot represent a consumer, and is relegated to being only a cost advisor to consumers just like any construction contractor would be). Insurance claims appraisals is an alternative dispute resolution method in virtually all policy contracts that is designed to resolve cost disputes without any policy interpretation. Therefore, in effect, when South Carolina relegates only values determinations to the practice of public adjusting, it reduces an insurance claim’s competent professional on the subject matter of coverages, exclusions, and the like to really being just an appraiser or a construction estimator. In such a case, a policyholder/insured would not need a public adjuster, and can just hire a contractor or an appraiser. So, the function of a public adjuster in a state like South Carolina which restricts the practice of public adjusting to that of contractor-estimating or cost-appraising has instead has only nullified the traditional and historical service of public adjusting to serve consumers. The purpose of licensing persons as claims professionals is to allow them to apply legal concepts that are restricted to a single function, while not allowing any activities greater than those specific regulations. Otherwise, consumers are forced to hire attorneys at triple or greater the cost, and because they practice law and not exclusively insurance, then these attorneys often don't possess the equivalent competency as a public adjuster who has much greater exposure to the volume of claims experiences. Public adjusters also help in building the case that is argued against the insurance company in permissible jurisdictions unlike Alabama or South Carolina. Adjusters mostly represent clients who have been victim to property damage or loss. Most cases involve disasters including: fires, floods, hurricanes, frost damages, burglaries, and earthquakes.[3] Licensing Most American states require public insurance adjusters to be licensed with a professional body before they can practice. National body A large collaboration of public insurance adjusters is the National Association of Public Insurance Adjusters, which helps to coordinate claims and make the business environment open to adjusters. See also Public adjuster References Public adjusters Insurance in the