▁Det erm ine ▁values ▁for ▁sett ling ▁covered ▁dam ages ▁P rep are , ▁document ▁and ▁support ▁the ▁claim ▁on ▁beh alf ▁of ▁the ▁ins ured ▁Neg oti ate ▁a ▁settlement ▁with ▁the ▁ins urance ▁company ▁on ▁beh alf ▁of ▁an ▁ins ured ▁Re - open ▁a ▁claim ▁and ▁negoti ate ▁for ▁more ▁money ▁if ▁a ▁dis cre p ancy ▁is ▁found ▁after ▁the ▁claim ▁has ▁been ▁settled ▁ ▁Typ ically ▁a ▁policy holder ▁h ires ▁a ▁public ▁adjust er ▁to ▁document ▁and ▁exped ite ▁their ▁claims , ▁obtain ▁a ▁more ▁satisf actory ▁claim ▁recovery , ▁more ▁quickly , ▁and ▁completely ▁restore ▁their ▁residence ▁or ▁business ▁operations , ▁and ▁ins ulate ▁themselves ▁from ▁the ▁stress ▁of ▁eng aging ▁in ▁an ▁advers arial ▁role ▁with ▁a ▁large ▁corpor ation . ▁However , ▁the ▁cost ▁of ▁h iring ▁outside ▁exper ts , ▁no ▁matter ▁how ▁well - ear ned , ▁can ▁be ▁an ▁added ▁bur den ▁when ▁they ▁are ▁bor ne ▁entirely ▁by ▁the ▁policy holder . ▁The ▁added ▁bur den ▁can ▁be ▁alle vi ated ▁by ▁the ▁work ▁of ▁a ▁public ▁adjust er . ▁However , ▁policy ▁hold ers ▁who ▁are ▁not ▁properly ▁in dem n ified ▁by ▁their ▁ins urance ▁carri ers ▁may ▁be ▁left ▁with ▁little ▁choice ▁but ▁to ▁h ire ▁professional ▁assistance ▁to ▁recover ▁the ▁claim ▁payment ▁to ▁which ▁they ▁are ▁entitled . ▁ ▁Public ▁adjust ers ▁must ▁be ▁able ▁to ▁recognize ▁claims ▁that ▁may ▁be ▁in subst ant ial ▁and ▁disput able ▁and ▁explain ▁such ▁problems ▁to ▁the ▁client .