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The importance of being cautious with insurance companies and adjusters is highlighted in the text. People often trust insurance companies and adjusters as professionals, but they may not always have the policyholder's best interest in mind. The text emphasizes that policyholders should be aware that they are viewed as a financial liability by insurance companies, and should not rely solely on them to determine the extent of their coverage. It is crucial for policyholders to advocate for themselves and not blindly trust the evaluations provided by insurance companies.