The policy of insurance is very complex and the coverage’s and policy provisions are often very difficult to understand such as co-insurance, actual cash value, business interruption, period of indemnifications, or improvements and betterments. There are many questions and problems as to how the policy provisions-can be applied in different circumstances. Many insurance companies’ representatives actually prefer to work with an experienced Public Adjuster rather than directly with the Insured. In cases where an Insurance Adjuster offers objections to hiring a Public Adjuster, or indicates that you really do not need your own representative, this should immediately alert you to the fact that they may be trying to avoid another professional inspecting their work. The insurance carrier has hired their adjuster to look out for their interest…. Why shouldn’t you?