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Mark Lockhart discusses how to effectively file insurance claims for vehicles and homes in this tutorial. He explains that the process begins by contacting a claims adjuster, whether through an independent agent or directly via an insurance company's hotline. The adjuster's role is to guide you through the claims process smoothly, verify your coverage, and ensure you receive the appropriate compensation for your losses. A good claims adjuster aims to resolve your claim quickly to retain you as a customer, as delays or losing clients can be costly for the insurance company.