The majority of people begin an insurance claim by contacting their insurance broker and giving them all the details needed. In many cases, their initial step really should be to call a public insurance adjuster. Unlike dealing with the adjuster appointed by the insurance carrier, the public adjuster works for you, the insurance holder. Since the determination of the value of the loss depends upon the claims adjuster that is an employee or contractor of the insurance provider, it may be optimal to have someone experienced looking out for your best interests. The majority of people do not know that public adjusters also exist and would certainly not know to engage one after a property damage claim.