▁for ▁the ▁policy holder ▁in ▁app ra ising ▁and ▁negoti ating ▁a ▁claim ant ' s ▁ins urance ▁claim . ▁ ▁As ide ▁from ▁att or ne ys ▁and ▁the ▁bro ker ▁of ▁record , ▁state ▁lic ensed ▁public ▁adjust ers ▁can ▁leg ally ▁represent ▁the ▁rights ▁of ▁an ▁ins ured ▁during ▁an ▁ins urance ▁claim ▁process . ▁Their ▁technical ▁expert ise ▁and ▁ability ▁to ▁interpret ▁sometimes ▁ambigu ous ▁ins urance ▁policies ▁allow ▁property ▁own ers ▁to ▁receive ▁the ▁maximum ▁amount ▁of ▁in dem n ification ▁for ▁their ▁claims . ▁ ▁Although ▁seen ▁many ▁times ▁as ▁advers arial ▁by ▁the ▁Car riers , ▁public ▁adjust ers ▁do ▁( al most ▁always ) ▁substantial ly ▁increase ▁the ▁settlement ▁value ▁of ▁the ▁loss . ▁Many ▁profession als , ▁and ▁persons ▁who ▁are ▁either ▁in cap able ▁due ▁to ▁education , ▁age , ▁or ▁physical ▁imp air ment , ▁choose ▁public ▁adjust er ▁representation ▁to ▁guide ▁them ▁through ▁the ▁process ▁and ▁minim ize ▁the ▁time ▁which ▁must ▁be ▁spent ▁to ▁perfect ▁their ▁claim . ▁Most ▁public ▁adjust ers ▁charge ▁a ▁percentage ▁of ▁the ▁settlement ▁like ▁general ▁contract ors ▁who ▁add ▁( 1 0 / 1 0 ) ▁to ▁the ▁total ▁repair ▁cost ▁to ▁cover ▁overhead ▁and ▁reasonable ▁profit . ▁Prim arily ▁public ▁adjust ers ▁prepare ▁detailed ▁scope ▁and ▁cost ▁estimates ▁many ▁times ▁using ▁exper ts ▁in ▁the ▁fields ▁of ▁rem ed iation , ▁to xic ology , ▁and ▁construction ▁engine ers ▁to ▁prove ▁their ▁loss . ▁Public ▁adjust ers ▁also ▁provide ▁ins urance ▁policy ▁interpretation ▁to