Public insurance adjusters are experts in the details and language of insurance policies, as well as filing and adjusting claims. They commonly have prior experience in construction (and other related fields) and use sophisticated software to undergo an independent evaluation of a client's property loss. Public adjusters aren't just better equipped than the average policyholder to estimate the costs incurred from a property loss -- they know exactly how to log and submit initial and supplemental claims and do this for a policyholder.
The process of evaluating, completing and submitting a claim for a policyholder is remarkably exhaustive. In the table below are item descriptions, quantities and costs pulled from an example of a property insurance claim form. It's unlikely a policyholder would be able to complete a form accurately with a similar level of detail, especially since every property and claim are different.