▁note ▁that ▁a ▁public ▁adjust er ▁cannot ▁obtain ▁more ▁than ▁the ▁policy holder ▁is ▁legit imately ▁entitled ▁to , ▁but ▁public ▁adjust ers ▁ ― es pecially ▁exper ts ― ▁generally ▁recover ▁a ▁better ▁financial ▁settlement ▁benefit ▁than ▁the ▁fe es ▁charged ▁to ▁their ▁clients , ▁thereby ▁leaving ▁their ▁clients ▁with ▁a ▁net ▁financial ▁improvement ▁of ▁benefits ▁recovery ▁after ▁fe es ▁are ▁paid . ▁ ▁The ▁in dem n ity ▁promised ▁and ▁provided ▁for ▁by ▁an ▁ins urance ▁policy , ▁or ▁the ▁full ▁potential ▁financial ▁recovery ▁value ▁of ▁an ▁ins urance ▁claim , ▁is ▁often ▁not ▁obtain able ▁without ▁professional ▁assistance ▁like ▁that ▁which ▁comes ▁from ▁a ▁very ▁capable ▁public ▁adjust er . ▁ ▁L oss ▁recovery ▁ins urance ▁ ▁L oss ▁Rec overy ▁In sur ance ▁is ▁an ▁ins urance ▁policy ▁de vised ▁by ▁Lor ega ▁Ltd ▁- ▁which ▁covers ▁the ▁cost ▁of ▁an ▁independent ▁Char tered ▁L oss ▁Ad just er , ▁who ▁acts ▁sole ly ▁on ▁beh alf ▁of ▁the ▁beh alf ▁of ▁the ▁policy holder , ▁in ▁prepar ing , ▁negoti ating ▁and ▁sett ling ▁an ▁ins urance ▁claim . ▁In sur ers ▁always ▁have ▁the ▁benefit ▁of ▁staff ▁or ▁independent ▁adjust ers ▁to ▁act ▁on ▁their ▁beh alf , ▁reducing ▁the ▁claim ▁wherever ▁possible . ▁ ▁L oss ▁recovery ▁ins urance ▁helps ▁level ▁the ▁playing ▁field ▁by ▁providing ▁the ▁policy holder ▁with ▁independent ▁expert ▁advice . ▁Lor ega ▁Limited ▁is ▁an ▁Independent ▁Under writing ▁Agency , ▁based ▁in ▁London , ▁with ▁capacity ▁from ▁Lloyd ' s ▁and ▁the