To be clear, although there are many intelligent and well versed insurance sales agents and brokers who know how to report claims, there are many who aren’t.  Insurance agents and brokers devote the bulk of their time to selling insurance policies in order to make a living. The larger they grow the more they depend on office staff to report client claims. If their office staff; (a) are not well trained in the newest carrier claim reporting strategies, (b) fail to recognize ambiguous questions, and or, (c) speculate on the cause of your loss, your claim may suffer. On the other hand, a public adjuster only makes a living from representing and settling policyholder claims and can identify and challenge improper (red flag) questions posed by claim center operators and insurance company adjusters.