If you need to file an insurance claim, the insurance company responsible for compensating you will have one of their hired insurance claim adjusters to perform estimates on your damages. Depending on the circumstances, it might be your own insurance provider. However, if the situation that caused the damages was due to someone else's negligence, you will likely have to rely on their respective insurance company's adjuster. Either way, you may quickly discern that the estimated cost for repairs or replacements do not meet your expectations. This does not mean that you are left without any recourse.
Hiring a public insurance claim adjuster is a wise decision if your own guess about the damages and the adjuster's estimates are not agreeable. There are complex things about damages and the insurance adjuster's for insurance companies have their best interests in mind and want to compensate for the lowest amount possible. This may not be fair, but it does save capital for the insurance companies. If you choose to get a second opinion by hiring your own public insurance claim adjuster, it is equivocal to having he/she work on your behalf in the same capacity as the adjuster for the insurance company.
The average person only has a basic understanding of what their insurance policies cover. This can be further complicated when having to deal with an at-fault party who may not be forthcoming or have an insurance provider who is difficult to conduct business with. Public insurance adjusters are professionally trained. They may have received their training alongside individuals who decided to become employed by insurance companies rather than work as entrepreneurs. The training and experience with understanding the lingo in policies and what's covered as well as exclusions are why you can depend on a private insurance adjuster. It may or may not result in a higher payout, but you will definitely have the peace of mind that you did not get duped by an insurance company.
Sometimes insurance payouts are delayed because of disagreements. Busy individuals may not have the time needed to carefully assess each portion of their settlement offers. Adjusters will understand what the insurance companies are agreeing to pay and what they may not be including or considering. They will also be able to identify after viewing policies whether something is getting overlooked that should actually be covered. These professionals will also provide detailed reports that clearly identify your damages. This ensures that if you need to submit a rebuttal it will be succinct.