Loss Adjuster
If you have an insurance claim you'll want to make sure you claim and receive what is due to you while the insurer will want to make sure they don't over-re-imburse you. So just as you may employ a loss assessor, the insurance company may also call in a third party independent expert, a loss adjuster, to assess the value of your claim - especially if the insurance company disputes the valuation you have put to them.
In short loss adjusters work against you!