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Originally Posted by EdFNJ
Not sure if FL has "private adjusters." They get between you and your insurance company adjuster and "work things out." Up in NJ when we had a roof collapse due to multiple snow storms they became a GREAT advantage. They take a few points off the settlement but work with the insurance company MANY times better than you ever could. They mostly deal with fire claims but take anything. They are the ambulance chasers of home damage claims. Kind of like the "CALL DAN" but for home damage claims.
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Florida does have PA(aka Public Adjusters) I was in the insurance claim biz for 40 years. They can be helpful if the claim is denied(no coverage) or if a reasonable general contractor can not repair the damages for the amount of the insurance companys adjuster/estimator. You pay them a % of the paid claim.
Saw another(very long) post about not reporting to your insurance company. If you do not contact them, make sure that there is not any hidden damage such as mold if you choose to not contact your insurance company. They can deny coverage if loss was reported late to them and if they are not able to properly inestigate the claim.