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Mark Lockhart discusses the process of filing insurance claims and working with adjusters to achieve favorable outcomes for vehicle and home claims. He explains that the claims adjuster, whether from an independent or direct agency, is responsible for handling the claim efficiently. Their primary roles include verifying coverage, ensuring the claimant has the appropriate coverage for their situation, and processing the claim quickly to avoid losing customers or delaying payments. The goal is to facilitate a smooth experience, allowing the claimant to receive repairs or replacements swiftly and efficiently.